How Can Travel Delay Insurance Protect You?

Posted by David Hamilton on Jan 4, 2013 4:12:00 PM

Travel Delay Insurance protects your film production Budget when cast do not show up on set.

Travel Delay Insurance coverage is an  Extra Expense coverage that is part of some film production insurance policies  The Fireman’s Fund Insurance Company defines Travel Delays in their insuring agreement as:

 “For reasons other than weather, we will pay for loss due to the closure of any departure airport used by your personnel or used to transport your property, when such airport closure either delays or precludes the timely arrival of personnel or property to a filming location of the Insured Production”.

EXAMPLES of extra expenses covered by the Travel Delay coverage:Travel Insurance

-There is a problem with the baggage belt within the airport delaying baggage & equipment from being loaded onto the plane.

-There is a temporary bomb scare which results in a delay in cast or crew’s flight out of their departure airport.

 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:

Topics: Entertainment Insurance, Film insurance broker, Film Production Companies

How can Ingress & Egress Coverage protect your Film Production?

Posted by David Hamilton on Jan 3, 2013 9:44:00 AM

Ingress & Egress Insurance

Road ClosedAt first read, Ingress & Egress may sound like a type of leakage. In the case of this Extra Expense (EE) sub-coverage though, it actually refers to circumstances which may arise where persons or property are unable to either gain access (ingress) or leave (egress) a building/location in order to continue work as required.  This coverage is similar in nature to the Civil & Military Authority EE sub-coverage, with the exception that the inability to access or leave the building/location in question is not decided by the authorities.

As with other Extra Expense coverages, the sub-limit (sum insured) attributed to the sub-coverages is the maximum amount given for that sub-coverage, and all Extra Expense claims cannot exceed the policy Extra Expense maximum limit.

Fireman’s Fund Insurance Company (Allianz) defines Ingress/Egress in their insuring agreement as:

“We will pay for loss due to your inability to access or leave a facility within your care, custody and control due to the closure, by other than a civil authority, of that facility’s access road, meaning a road that affords access into and out of that area within your care, custody and control, which is necessary to be used in connection with an Insured Production to which this Coverage applies.”

some losses/delays covered by Ingress & Egress:

  • Road access to the studio the Insured company is renting is blocked because a sinkhole  has collapsed in the road.
  • Your film director is unable to leave his hotel on time because the street in front of the hotel has large fallen trees on it due to a windstorm the previous night.

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.

Need help? Contact Front Row.

Topics: Film insurance broker, Film Production Insurance Premiums, Specialized film insurance broker, entertainment package insurance

Film Production Companies & Pyrotechnics: Who can work with Pyrotechnics

Posted by David Hamilton on Jan 2, 2013 1:41:00 PM

Only trained and certified workers can plan, rig, and detonate pyrotechnic special effects on a film production. Uncertified SPFX workers could invalidate your film production insurance.

The Explosives Regulatory Division of Natural Resources Canada issues four classes of pyrotechnic special effects certification:

1.            Theatrical User

2.            Assistant

3.            Pyro technician or special effects pyro technician

4.            Authority having jurisdiction (ie. A fire chief or fire protection officer)

For additional information about pyrotechnic special effects certification, contact the Explosives Regulatory Division of Natural Resources Canada.

Who is in charge of pyrotechnics?

The special effects coordinator for a production has final authority on all safety matters related to pyrotechnics used in that production. The special effects coordinator must remain on set at all times during the preparation, placement, testing and firing of any pyrotechnic special effect.

Follow all laws and requirements before using pyrotechnic special effects and get all the required licenses and permits.

Use, handle, store and transport pyrotechnic materials in accordance with all applicable federal, provincial and municipal laws such as the Canada Explosives Act, the Transportation of Dangerous Good Act, and the Occupational Health and Safety Regulation.

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)

Topics: Film Production Insurance, Stunt Insurance, SPFX Insurance, Special Effects Insurance, stunt & SPFX, Pyrotechnics

Umbrella Vs. Excess Liability Insurance Coverage for Film Production

Posted by David Hamilton on Jan 2, 2013 9:33:00 AM

Umbrella Vs. Excess Liability Insurance

A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, watercraft and/or aircraft, they must also consider liability protection for these exposures too.

Whichever type of liability policy or policies are selected by a production company; there is a “primary” layer of coverage.  Depending upon the limit of the primary general liability coverage, a production company may wish to purchase additional limits of  protection: a filming location may require 10mil or more of coverage although 5mil is a common limit of coverage in Canada.

This additional layer of liability coverage  is called umbrella  or excess coverage.

Either Excess or Umbrella coverage is triggered when the primary protection’s limits have been breached, i.e. the underlying policy limit is exhausted.

Theoretically, an Umbrella Policy supplements it’s excess coverage to  include miscellaneous and unidentified loss exposures that are not covered by an underlying policy.  This is an advantage of an umbrella liability policy. Since there isn’t a source of primary protection for these exposures, a form of high deductible, called a self-insured retention, is applied to such losses.

An Excess Policy does NOT provide broader coverage; it only serves to supplement whatever coverage exists in the primary layer.  It’s becoming increasingly common for such coverage to be provided on a Following Form basis.  These forms are written so that they track the coverage, exclusions, and provisions of the underlying policies.

Simply stated, an Umbrella Policy will provide additional protection for your production company with different coverage that may not be in your underlying policy. An Excess Policy will further protect your production company by adding extra protection onto the limits of your underlying policy.

If you seek additional coverage for your production company, be sure to pay attention to what is stated in the form. The term umbrella may be used even when the form does not provide true umbrella coverage. For additional information relating to the above, please contact Front Row Insurance Brokers.


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


Topics: Film Production Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production Insurance Premiums, Front Row Insurance Brokers, entertainment package insurance