I am renting a car (in Canada) for my production – what do I need?

Posted by Diane Konecny on Feb 20, 2020 9:03:02 AM

I am renting a car (in canada) for my production – what do I need?

Car in film production

Some of the most common questions we get from clients are about vehicles:

  • What coverage do I need? 
  • Do I need to buy anything from the rental company?
  • Can a 20-year-old production assistant (PA) drive the car(s)?

Well, here is what you need to know about renting vehicles when shooting a production in Canada. We will break it down into two sections to explain the basics.

1. DAMAGE to a car you are renting or are contractually required to provide coverage for while being used on production: 

The production policies we provide include coverage if you damage a vehicle while contracted by production. With most insurers, it is called Commercial Vehicle Physical Damage (CVPD)The coverage will have a limit per vehicle, so make sure that if you are renting expensive cars, your limit is high enough to cover any damage that can occur. You will also have to check the Aggregate, which is the most the policy will pay for any one occurrence (in case you damage multiple cars in one accident) and your deductible (the amount you need to pay for the damage before the insurance kicks in). Most policies will set the deductible as a percentage of the damage; for example, 10% with a minimum and maximum amount.

Your rental company will offer you a Collision or Loss Damage Waiver (CDW/ LDW) when renting a vehicle. Typically, these are about $20-$30 per vehicle/day. The CDW/LDW provides coverage for damage to the vehicle. There is no need to purchase this if you have our policies, which include the CVPD coverage. A bit of savings for your budget! However, if you are renting a couple of vehicles for a short period of time and you aren’t so sure about your crew’s driving skills, you may choose to get this coverage from the rental company because the deductible is usually a lower amount. 

NOTE: NOT ALL POLICIES PROVIDED BY OTHER BROKERS WILL INCLUDE THIS COVERAGE. YOU NEED TO CHECK YOUR POLICY TO MAKE SURE YOU HAVE WHAT YOU NEED, OR CONTACT FRONT ROW AND WE CAN OBTAIN PROPER COVERAGE FOR YOU.

2. AUTO LIABILITY covers damage to property or injury to other parties:

Auto liability is the portion of the policy which is regulated by the government and, to make it more complicated, it is individually regulated by each province/territory. Below is a basic breakdown by province.

Will I need to budget for an Auto Liability policy for MY production?

Province:

Coverage provided by:

Do I need to buy Auto Liability?

Newfoundland

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Nova Scotia

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

PEI

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

New Brunswick

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Quebec

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Ontario

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Manitoba

Government

No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.

Saskatchewan

Government

No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.

Alberta

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

BC

Government

No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.

NWT

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Yukon

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Nunavut

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

The above-mentioned coverage outline is meant for informational purposes only and does not represent advice on coverages required. Contact us if you have a specific need or question.

Auto liability is not an option; it needs to be in place for every car driven on public roads. Make sure you have the right coverage for your location and situation so production doesn’t get a ticket, or worse, be held responsible for injury to someone or damage to property.

Hired an intern or co-op student and want them to run errands in your rental car? Is that allowed?

Well, for once it’s not us being the careful ones! You will need to contact your rental company as many will have an age restriction on drivers. Some will restrict it to 21 or 25 years old, so make sure whoever is driving is actually allowed to, as it can nullify your coverage if they aren’t.

Have more questions about auto coverage? Feel free to give any of our Front Row offices a call!

REFER A FRIEND TO FRONT ROW INSURANCE

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

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FILM PRODUCTION COMPANIES AND CAMERA CARS: REDUCING THE RISK

FILM PRODUCTION INSURANCE AND RENTING CREW PERSONAL VEHICLES

AUTOMOBILE INSURANCE FOR FILMS

Topics: Entertainment Insurance, Film Production, Film Production Vehicle Insurance, non-owned auto insurance, automobile insurance for films, Intern Rights

Announcement on New Hire Leanne Savoie – David Hamilton CEO

Posted by David Hamilton on Feb 19, 2020 6:30:31 AM

Announcement – David Hamilton CEO

LEANNE SAVOIE

Leanne Savoie

Front Row is pleased to announce Leanne Hussey Savoie has joined the Vancouver office as a Vice President effective February 18, 2020.

Leanne obtained her license as a Registered Insurance Broker in Ontario in 1990, attained her Canadian Accredited Insurance Broker designation in 1995 and her Chartered Insurance Professional designation in 2006. Before joining Front Row, she worked at HUB International for ~2 years as an Entertainment Account Manager focusing on Film, TV & Multimedia insurance risks.

Leanne also worked at Aon/Ruben-Winkler for 10 years, alongside Darlene, specializing in Entertainment Insurance and at First Durham Insurance & Financial for 4 years as a Commercial Lines Account Executive.

Leanne’s staff page

Leanne will report to Meghan Stickney. She can be reached at: Leanne@frontrowinsurance.com
Please join me in welcoming Leanne to the Front Row crew!

David Hamilton
CEO

Announcement on New Hire Alyson Forster – David Hamilton CEO

Posted by David Hamilton on Feb 14, 2020 6:14:22 AM

Announcement – David Hamilton CEO

Alyson Forster

Alyson Forster

Front Row is pleased to announce Alyson Forster has joined our LA office as an account executive.

Alyson is an experienced broker (California property & casualty license). She worked at American Entertainment Insurance Services for ~2 years before joining Front Row. She specialized in: short shoots, events and DICE clients.

Alyson is gifted at connecting with entertainment clients: she is knowledgeable about production and passionate about film and TV. She is service-oriented and quality-focused with a demonstrated history of success.

Alyson’s staff page

We’re confident that Alyson will add a lot of value to the Front Row Insurance team and we look forward to her contributions. Please join me in welcoming her to our crew!

How does an E&O clearance process protect against plagiarism claims?

Posted by Remy Khouzam on Feb 3, 2020 8:25:33 AM

How does an E&O clearance process protect against plagiarism claims?

E&O insurance film | errors and omissions insurance film:


Remy Khouzam (Lawyer)
: When discussing a project, a lawyer and his client (the producer) will have to look at various things regarding the nature of the project itself; for example:

  • Is it an original project?
  • Is it a project adapted from previous work?
  • Who collaborated on these projects?

The idea is: you can work on these things based on warranties and representations that are in the contract(s) of your various project contributors that will basically represent that their contribution is original and wasn’t taken from a third-party source. So, there’s no consent necessary and they own all the rights to grant them to the producer. So, that’s basically the work that is done and the sort of guarantees you need in order to obtain E&O coverage.

Related:

About: Lussier & Khouzam is a Canadian law firm specialized in Arts and Entertainment law. Visit their website at https://lussierkhouzam.com/.

Topics: E&O Insurance