Film Production Insurance and the Re-use of Hard Drives

Posted by David Hamilton on Oct 29, 2012 12:51:00 PM

Film Productions re-use hard drives all the time and this is OK provided they are duplicating and sending one copy to the post facility. The post facility is then supposed to copy onto an editing suite hard drive and then check the footage. If the footage is OK the producer usually deletes the camera hard drive and reuses.

Most film productions follow this protocol; however, if the production company is  erasing the hard drive before a positive post report is received from the post production facility they could be risking their footage.

Using  re-used drives shouldn't be a problem provided duplicates of the footage are being made.

If the work flow is different from the above we recommend asking your film insurance broker to confirm that the coverage is in force.

Topics: Film Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production Insurance Premiums, Film Insurance claims

Earthquakes and Film Production: What to do when the Earth Moves

Posted by David Hamilton on Oct 26, 2012 10:44:00 AM

EARTHQUAKES & FILM PRODUCTION:
WHAT TO DO

EARTHQUAKES & FILM PRODUCTION: WHAT TO DO

If you are indoors on a film production set or in a film production office...

DROP, COVER AND HOLD ON:

  • Drop under heavy furniture such as a table, desk, or any solid furniture.
  • Cover your head and torso to prevent being hit by falling objects.
  • Hold onto the object that you are under so that you remain covered.

If you are outdoors on a film location:

  • Stay outside.
  • Go to an open area away from buildings. The most dangerous place is
    near exterior walls.
  • If you’re in a crowded area, take cover where you won’t be trampled.

If you are in a production or picture vehicle: 

  • Pull over to a safe place where you are not blocking the road.
  • Avoid bridges, overpasses, underpasses, buildings or any structure that could collapse.
  • Stop the vehicle and stay inside.
  • Listen to your car radio for instructions from emergency officials.
  • If power lines are down, do not attempt to get out of the car.

Avoid the following in an earthquake: 

  • Doorways, which can slam shut and cause injuries.
  • Windows, bookcases, tall furniture and light fixtures, which can shatter or lead to other injuries.
  • Elevators: get out as soon as you can.
  • If you’re near a coastline in a high risk area during a strong earthquake, immediately move inland or to higher ground until officials declare the area safe.

Front Row is experienced with insuring film productions against earthquakes: ask us how.


Related Posts:

Earthquakes and Film Production: Know the Risks and be Prepared

Earthquakes & Film Production: Prepare an Emergency Kit before the Quake

Topics: Film equipment insurance, Film Insurance, Entertainment Insurance, Entertainment Insurance Broker, Film Insurance claims, Canadian Insurance Broker, Film Production Equipment, Film production offices, Commercial Production Insurance, venue insurance

Earthquakes and Film Production: Know the Risks and be Prepared

Posted by David Hamilton on Oct 22, 2012 6:38:00 PM

EARTHQUAKES AND FILM SETS

Earthquakes and film sets

What would happen to your film production if IT were shaken by a violent earthquake?

There are various measures you can undertake to minimize damage so that you can continue to film as soon as possible:

  • Staff and crew should be shown how to turn off the water and electricity in the office and on set, with on/off positions clearly labeled.
  • Water heaters should be secured to wall studs or masonry: ask your landlord to do this.
  • Secure all major appliances/electronics to walls, including expensive or fragile items that if damaged, would be a significant loss.
  • Secure top-heavy set furniture to walls with heavier items kept on lower shelves.
  • Put anti-skid pads under TVs, computers, and other related camera equipment.
  • Keep flammable items and other chemicals used on set away from heat and where they are less likely to spill.
  • For mobile trailers on set, leave the wheels on or use a structural bracing system that can reduce the chance of the unit falling off its support.
  • Ensure that sufficient emergency kits are located around the office/on set, and designated staff and crew know where to access them.

Discuss earthquake coverage with your film insurance broker to ensure that your production will have the financial ability to recover losses after an earthquake. Ask your broker: does your Film Production Insurance include coverage for earthquakes?

Front Row is experienced with insuring Film Productions against earthquakes: ask us how.

Related Posts:

Earthquakes & Film Production: Prepare an Emergency Kit before the Quake

Earthquakes and Film Production: What to do when the Earth Moves

Topics: Film equipment insurance, Film Insurance, Entertainment Insurance Broker, Film Insurance claims, Canadian Insurance Broker, Canada Film Broker, Film Production Equipment, Film production offices, Commercial Production Insurance, Documentary Insurance, Front Row Insurance Brokers

Film Production Insurance and Renting Crew Personal Vehicles

Posted by David Hamilton on Oct 18, 2012 5:29:00 PM

CREW VEHICLE
Crew vehicles and third parties - insurance concerns

If you plan to rent a vehicle from a crew member for your film production, there are some important steps to follow to ensure everyone is covered.

With respect to damage to the vehicle or third parties during shooting, there are two things to think about which are handled differently by insurance: damage to the vehicle itself; and damage to third party's property (Property Damage) or third parties themselves (Bodily Injury).

Scenario 1: Damage to the vehicle only

If production rents a vehicle from a rental car company, purchases the optional insurance, and adds all potential operators as drivers, then physical damage to the vehicle would be covered by the rental car policy. This would likely be your best bet as you can obtain coverage with no or small deductibles. As well, any accidents will not be charged against the driver's insurance, so they will maintain a clean driving record.

The production policy would also be in effect if, when using the driver's own vehicle, you had a deal memo with the driver stating that production was renting the vehicle.  However, the deal memo with the driver would also have to state that they are an employee of production for coverage to be in effect.  As well, the deductible under the Commercial Vehicle Physical Damage policy is 10% of loss, $2,500 minimum, $7,500 maximum.  As you're looking at a minimum deductible of $2,500 under this coverage, it might be more worthwhile to rent the vehicle for the driver.

If the driver is operating their own vehicle, and you have no deal memo in place, you will not have any coverage for damage to their vehicle under your policy.  Damage to their vehicle would have to be paid for by their own insurance policy (if they have physical damage insurance with ICBC or another insurer), or by themselves if they have no policy.  I understand that production could always reimburse a driver for a incident, and this is obviously always a business decision you can make. Strictly speaking however, in this scenario, the owner/driver is on their own.  If production does decide to reimburse a driver for damage to their vehicle, you should have a release signed whereby the driver/owner agrees to hold the Production harmless from any further claim.  Otherwise, the driver could collect money from production, then claim from ICBC, and still come after production for compensation.

Scenario 2: Third party bodily injury or property damage

If the driver is operating their own vehicle, any third party damage or injury will first be addressed by the driver/owner's insurance through ICBC.

Either way, ICBC will be responding first to any injuries or property damage suffered by a third party.

However, in B.C., injured parties have the right to sue responsible parties.  There is a possibility that, in the event of injury or death suffered by a third party, the Production or Parent would find themselves the target of a lawsuit.  The Production has a Non-Owned Automobile Liability through their Commercial General (and Umbrella Liability policy if applicable) which will respond, subject to the terms and conditions of the policy, if the Production is found liable for any bodily injury or property damage suffered by a third party. One note: in order for coverage to apply, the vehicle involved in the accident has to have been used on production, and cannot be owned by the Production or parent Company.

So, in the event of third party bodily injury or property damage, the first response will always be by ICBC. In the event of a lawsuit against the Production, your policy will respond (again, subject to the terms and conditions of the policy) whether you have a deal memo in place with the driver or not.

Lastly, there is the potential issue of loss of  the owners safe driving credits. You should address this in the deal memo.

RELATED LINKS:

Film Insurance 101 & How to Protect Your Film Project

Film Production Insurance: Why it is needed

Pre-Production Insurance

Film Production Insurance

How the Premium is Determined

Short Film Insurance

DigiGear Insurance

Props/Sets/Wardrobe Insurance

E&O Insurance

DICE Insurance

Third Party Property Damage

Crew Vehicles

Umbrella Vs. Excess Liability

Commercial General Liability

Negative Film / Videotape and Faulty Stock

Workers Comp

Cast Insurance

Extra Expense (EE)

Foreign Locations

Claims

Topics: Entertainment Insurance, Entertainment Insurance Broker, Canada Film Broker