Imminent Peril is part of Extra Expense coverage. EE itself is similar to Business Interruption insurance, except that it will not cover loss of income, but rather if you suffer an insured loss it will pay for the extra costs to get your production back to filming as soon as possible.  It will also reimburse you for extra costs incurred because something out of your control has prevented you from filming.

 What does ‘Imminent Peril’ cover? :

 ‘Imminent Peril’ is defined in the policy as “We will pay for expenses you incur to avoid a loss insured under this policy due to imminent peril to the extent that such expenses serve to avoid such loss.” It will pay for the damage you cause to prevent further damage.

 EXAMPLES of losses that would be insured by Imminent Peril:

- A sudden  storm hits your external set with golf ball sized hail stones. To prevent damage to your filming gear, you tear down a façade from your set to cover the cameras. The cost to rebuild the intentional damage to the set would be covered by Imminent Peril.         

- A small fire ignites in your production office.  You attempt to control the fire by switching off the gas supply, breaking the alarm glass, using fire extinguishers and fire blankets, and evacuate the building to protect persons and property.  This coverage will pay for these extra materials and lost productive time used to minimize damage.

 NB: As with most other coverages, there are some standard exclusions that apply to Extra Expense coverages. Please see the policy wording for a full description of the coverage, or call a specialized film insurance broker such as Front Row Insurance: david@frontrowinsurance.com.

The cost for film Insurance for a production that uses firearms on set  can be minimized by following protocols that make the insurance underwriter comfortable. Insurance underwriters charge more when they are uncomfortable with the perceived risk.

Hire a good  firearms wrangler and ensure they follow these protocols for a safe set and the lowest film insurance cost:

1.            Take charge of all firearms and ammunition and keep an inventory of them

2.            Know all the requirements for handling, transporting, and storing firearms, ammunition and black powder

3.            Comply with all local, provincial, and federal regulations for firearms

4.            Be familiar with the specific firearms being used and their safety requirements. Know how to load, unload, dismantle, clean and reassemble the firearms

5.            Check firearms before and after each use

6.            Clean all firearms daily after use

7.            Load and Unload all firearms (if this is not practical, supervise the handling, loading, and unloading of firearms by designated, trained assistants) as follows:

• Use the lightest load of blank ammunition necessary for the scene
• Allow any actor who will be standing near the line of fire to witness the loading of the firearms

8.            Train actors and stunt performers in the safe use of firearms

9.            Take firearms away from actors and stunt performers between takes whenever possible

A specialized film insurance broker is best able to present the risks associated with your film production to the film insurance underwriter to ensure you receive the best coverage and premium for your production.

Front Row Insurance Brokers are specialized Film Insurance Brokers. Please call us if you have any questions.

The above information is  based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition)

If a mechanical device or an articulated set is used in a production, the film insurance cost can be minimized if the production company ensures that:

1.            The device or set is capable of safely performing the functions for which it is used

2.            Workers operate the device or set in accordance with the manufacturer’s instructions, safe work practices, and the requirements of the Regulation

3.            The device or set is properly inspected, tested or maintained

If a production company requires that a mechanical device or articulated set to be created for a production, the production company is considered the supplier of that device or set. As a supplier, the production company must provide directions for the safe use of the device or set and must ensure that the device or set is safe when used as specified. Such directions could be developed in consultation with a qualified person such as a professional engineer.

A specialized film insurance broker is best able to present the risks associated with your film production to the film insurance underwriter to ensure you receive the best coverage and premium for your production.

Front Row Insurance Brokers are specialized Film Insurance Brokers. Please call us if you have any questions.

The above information is  based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition)

To keep your film insurance premiums to a minimum utilize best practices when using fog and smoke effects on set.

The following substances are typically used to create smoke or fog:

1.            Propylene glycol, dipropylene glycol, butylene glycol, and polyethylene glycol

2.            Glycerin products

3.            Highly refined mineral oils

4.            Cryogenic gases such as carbon dioxide or liquid nitrogen

The choice of substance depends on whether it will be used indoors or outdoors, and whether the cast or crew will be exposed to it for significant period of time.

Ensure that you follow the manufacturer’s guidelines when using any of these substances. You should not alter the mix. Never heat substances above the temperatures specified in the guidelines.

Use the minimum chemical concentration for the minimum time necessary to achieve the desired fog or smoke effect. Check  the Regulation to see if the substance you are using has an exposure limit. Do not exceed exposure limits or reduce the oxygen concentration in the air below the normal level.

If necessary, have an occupational hygienist assess ways to reduce exposure and confirm that the oxygen concentration in the air is sufficient.

A specialized film insurance broker is best able to present the risks associated with your film production to the film insurance underwriter to ensure you receive the best coverage and premium for your production.

Front Row Insurance Brokers are specialized Film Insurance Brokers. Please call us if you have any questions.

The above information is  based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition)

If you plan to use pyrotechnics during your film production, determine the potential hazards and conduct a risk assessment for each potential hazard to minimize your film insurance costs.

Avoid the following common pyrotechnic mistakes:

1.            Triggering the pyrotechnic effect prematurely

2.            Using more pyrotechnic material than necessary

3.            Not having fire extinguishers of a suitable type and capacity available

4.            Assigning duties to inadequately trained or inexperienced pyro technicians or assistants

5.            Entering danger areas before the special effects coordinator has inspected them and the all-clear signal has sounded.

Work safely to achieve realism: When planning stunts and special effects, always look for the safest way to execute the scene. Consider using scale models and computer simulations as replacements for live stunts and pyrotechnics.

Inform the Cast and Crew:

On call sheets, include safety information related to pyrotechnic special effects and make sure to inform your film insurance broker so that they can advise the film insurance underwriter. Specify restricted or no-access areas as well as viewing locations, if they are available.

Conduct a safety talk and dry run before filming a pyrotechnic special effect. If you make changes to scheduled pyrotechnics, hold another talk to explain the changes and any revised safety precautions.

A specialized film insurance broker is best able to present the risks associated with your film production to the film insurance underwriter to ensure that you receive the best coverage and premium for your production.

Front Row Insurance Brokers are specialized Film Insurance Brokers. Please contact us if you have any questions.