{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles","afterPostBody":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"137640-110340","analyticsPageType":"blog-post","approvalStatus":null,"archived":false,"archivedAt":0,"archivedInDashboard":false,"areCommentsAllowed":true,"attachedStylesheets":[],"audienceAccess":"PUBLIC","author":null,"authorName":null,"authorUsername":null,"blogAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1401900296000,"deletedAt":0,"displayName":"David Hamilton","email":"david@frontrowinsurance.com","facebook":"","fullName":"David Hamilton","gravatarUrl":"https://app.hubspot.com/settings/avatar/e5f627d6f4fb7738af400df9b2f0d390","hasSocialProfiles":false,"id":952267721,"label":"David 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Production Insurance and Renting Crew Personal Vehicles in Canada","featuredImageHeight":400,"featuredImageLength":0,"featuredImageWidth":600,"flexAreas":{},"folderId":null,"footerHtml":"","freezeDate":1624045337000,"generateJsonLdEnabledOverride":true,"hasContentAccessRules":false,"hasUserChanges":true,"headHtml":"","header":null,"htmlTitle":"Production Insurance and Renting Crew Personal Vehicles in Canada","id":951504353,"includeDefaultCustomCss":null,"isCaptchaRequired":true,"isDraft":false,"isInstantEmailEnabled":true,"isPublished":true,"isSocialPublishingEnabled":false,"keywords":[],"label":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >Production Insurance and Renting Crew Personal Vehicles in Canada</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":137640,"legacyId":110340,"legacyPostGuid":"c4598597-6d47-45ae-869c-a893ab14438e","linkRelCanonicalUrl":"","listTemplate":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","mab":false,"mabExperimentId":null,"mabMaster":false,"mabVariant":false,"meta":{"page_expiry_redirect_url":null,"meta_keywords":"Non-Owned Auto Liability, Hired Auto Liability, film truck insurance, production insurance for vehcieles","blog_publish_instant_email_task_uid":"DONE","use_featured_image":true,"page_expiry_redirect_id":null,"author_user_id":4012692,"rss_email_by_text":"By","style_override_id":null,"preview_image_src":null,"keywords":[],"featured_image":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/renting%20crew%20vehicles/crew-vehicle-shutterstock_1085625869-forweb600.jpg","page_redirected":null,"campaign_name":null,"post_summary":"<p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>\n","has_user_changes":true,"attached_stylesheets":[],"unpublished_at":1624045315389,"author_email":"nedia@frontrowinsurance.com","topic_ids":[949708809,949708814],"page_expiry_date":null,"rss_email_comment_text":"Comment &raquo;","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":0,"personas":[],"css":{},"campaign_utm":null,"footer_html":"","meta_description":"What you need to know about insurance if you rent a vehicle from a crew member for your film production. If you plan to rent a vehicle from a crew...","performable_url":null,"author_username":"nedia@frontrowinsurance.com","blueprint_id":0,"rss_email_click_through_text":"Read more &raquo;","placement_guids":[],"css_text":"","rss_summary":"<p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>\n","legacy_blog_tabid":137640,"cloned_from":null,"head_html":"","page_expiry_enabled":null,"blog_post_schedule_task_uid":null,"post_body":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>\n<!--more-->\n<h2>Crew vehicles and third parties - insurance concerns</h2>\n<p class=\"hs-migrated-cms-post\">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.</p>\n<p class=\"hs-migrated-cms-post\">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 (<a href=\"/articles/third-party-property-damage-liability\" rel=\" noopener\">Property Damage</a>) or third parties themselves (<a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Bodily Injury</a>).</p>\n<h2>Scenario 1: Damage to the vehicle only</h2>\n<p>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 <strong>not</strong> be charged against the driver's insurance, so they will maintain a clean driving record.</p>\n<p>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.&nbsp; 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.</p>\n<p>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 the <em><span style=\"font-weight: normal;\">Insurance Corporation of British Columbia</span> ICBC</em> or another insurer), or by themselves if they have no policy.&nbsp;</p>\n<p>The production could always reimburse a driver for an incident: this is always a business decision for the production to make. In this scenario, the owner/driver is on their own. If production does decide to reimburse a driver for damage, 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. Physical damage for rented vehicles either through <a href=\"/film-production-insurance\" rel=\"noopener\">Production Insurance</a> or the Loss Damage Waiver purchased through a rental company should not respond any differently in Ontario.</p>\n<h2>Scenario 2: Bodily injury or property damage</h2>\n<h3>Considerations for production companies when renting crew vehicles in BC:</h3>\n<p>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.</p>\n<p>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.</p>\n<p>The production typically has <a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\"noopener\">Non-Owned Automobile Liability</a> 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. <span style=\"font-weight: bold;\">Note</span>: in order for coverage to apply, the vehicle involved in the accident must be used on production and cannot be owned by the production or parent company.</p>\n<p>In the event of third-party bodily injury or property damage, the first response will always be ICBC in British Columbia.</p>\n<h3>Considerations for production companies when renting crew vehicles in Quebec:</h3>\n<p>All Quebec drivers are protected by the Quebec public automobile insurance plan (<a href=\"https://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_de_l%27assurance_automobile_du_Qu%C3%A9bec\" rel=\"nofollow noopener\">Société de l'assurance Automobile du Québec</a>). This plan offers indemnities in the event of injury or death resulting from an accident that occurred in Quebec.</p>\n<p>One of the foundations of the Quebec auto insurance plan is its coverage regardless of anyone's liability. We often hear the term \"no fault\" to designate this particularity. This means that Quebecers involved in a road accident in Quebec are covered by the plan, whether or not they are responsible for the accident.</p>\n<p>Since the principle of compensation does not take into account liability, it is not possible for an individual or a company to take legal action against the person responsible for a traffic accident.</p>\n<p>The public automobile insurance plan does not replace your private automobile insurer; in Quebec, the law requires that all vehicle owners have a civil liability insurance policy for a minimum of $50,000. This compulsory basic insurance is used to cover property damage that you may cause to others.</p>\n<h3>Considerations for production companies when renting crew vehicles in Ontario:</h3>\n<p>With respect to liability, if the intent of the production company is to rent the vehicle (and not to provide a car allowance), there should be a written agreement in place between the production company and the crew member (owner).</p>\n<ul>\n<li>The agreement should include confirmation that the crew member has their insurer’s approval to rent their vehicle to production and the policy is endorsed accordingly.</li>\n<li>For short-term rentals (30 days or fewer), the production company’s Non-Owned Automobile Liability coverage under the <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> policy will provide coverage as required by law. The owner of the vehicle is still responsible to maintain a valid automobile policy.</li>\n<li>For rentals of 31 days or more, the owner may transfer the responsibility of compulsory automobile insurance to a third party (production company) via a rental/lease agreement. In this case, the production company is responsible for maintaining an Owner's Automobile Liability policy.</li>\n</ul>\n<p>As the specifics of each situation vary, we recommend that the production consults with their <a href=\"/contact-us\" rel=\"noopener\">insurance broker</a> to arrange the necessary coverage.</p>\n<p>Lastly, there is the potential issue of loss of the owner's safe driving credits. You should address this in the deal memo.</p>\n<h4>Related post:</h4>\n<p><a href=\"/articles/renting-a-car-for-production\" rel=\" noopener\">I'm renting a car (in Canada) for my production</a></p>\n<div class=\"section post-body\">\n<h4>Related links:</h4>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance\" rel=\" noopener\">Film Production Insurance</a></p>\n<p><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p>Crew Vehicles</p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div></span>","publish_immediately":true,"html_title":"Production Insurance and Renting Crew Personal Vehicles in Canada","blog_publish_to_social_media_task":"DONE","rss_body":"<p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>\n<!--more-->\n<h2>Crew vehicles and third parties - insurance concerns</h2>\n<p class=\"hs-migrated-cms-post\">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.</p>\n<p class=\"hs-migrated-cms-post\">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 (<a href=\"/articles/third-party-property-damage-liability\" rel=\" noopener\">Property Damage</a>) or third parties themselves (<a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Bodily Injury</a>).</p>\n<h2>Scenario 1: Damage to the vehicle only</h2>\n<p>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 <strong>not</strong> be charged against the driver's insurance, so they will maintain a clean driving record.</p>\n<p>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.&nbsp; 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.</p>\n<p>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 the <em><span style=\"font-weight: normal;\">Insurance Corporation of British Columbia</span> ICBC</em> or another insurer), or by themselves if they have no policy.&nbsp;</p>\n<p>The production could always reimburse a driver for an incident: this is always a business decision for the production to make. In this scenario, the owner/driver is on their own. If production does decide to reimburse a driver for damage, 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. Physical damage for rented vehicles either through <a href=\"/film-production-insurance\" rel=\"noopener\">Production Insurance</a> or the Loss Damage Waiver purchased through a rental company should not respond any differently in Ontario.</p>\n<h2>Scenario 2: Bodily injury or property damage</h2>\n<h3>Considerations for production companies when renting crew vehicles in BC:</h3>\n<p>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.</p>\n<p>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.</p>\n<p>The production typically has <a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\"noopener\">Non-Owned Automobile Liability</a> 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. <span style=\"font-weight: bold;\">Note</span>: in order for coverage to apply, the vehicle involved in the accident must be used on production and cannot be owned by the production or parent company.</p>\n<p>In the event of third-party bodily injury or property damage, the first response will always be ICBC in British Columbia.</p>\n<h3>Considerations for production companies when renting crew vehicles in Quebec:</h3>\n<p>All Quebec drivers are protected by the Quebec public automobile insurance plan (<a href=\"https://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_de_l%27assurance_automobile_du_Qu%C3%A9bec\" rel=\"nofollow noopener\">Société de l'assurance Automobile du Québec</a>). This plan offers indemnities in the event of injury or death resulting from an accident that occurred in Quebec.</p>\n<p>One of the foundations of the Quebec auto insurance plan is its coverage regardless of anyone's liability. We often hear the term \"no fault\" to designate this particularity. This means that Quebecers involved in a road accident in Quebec are covered by the plan, whether or not they are responsible for the accident.</p>\n<p>Since the principle of compensation does not take into account liability, it is not possible for an individual or a company to take legal action against the person responsible for a traffic accident.</p>\n<p>The public automobile insurance plan does not replace your private automobile insurer; in Quebec, the law requires that all vehicle owners have a civil liability insurance policy for a minimum of $50,000. This compulsory basic insurance is used to cover property damage that you may cause to others.</p>\n<h3>Considerations for production companies when renting crew vehicles in Ontario:</h3>\n<p>With respect to liability, if the intent of the production company is to rent the vehicle (and not to provide a car allowance), there should be a written agreement in place between the production company and the crew member (owner).</p>\n<ul>\n<li>The agreement should include confirmation that the crew member has their insurer’s approval to rent their vehicle to production and the policy is endorsed accordingly.</li>\n<li>For short-term rentals (30 days or fewer), the production company’s Non-Owned Automobile Liability coverage under the <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> policy will provide coverage as required by law. The owner of the vehicle is still responsible to maintain a valid automobile policy.</li>\n<li>For rentals of 31 days or more, the owner may transfer the responsibility of compulsory automobile insurance to a third party (production company) via a rental/lease agreement. In this case, the production company is responsible for maintaining an Owner's Automobile Liability policy.</li>\n</ul>\n<p>As the specifics of each situation vary, we recommend that the production consults with their <a href=\"/contact-us\" rel=\"noopener\">insurance broker</a> to arrange the necessary coverage.</p>\n<p>Lastly, there is the potential issue of loss of the owner's safe driving credits. You should address this in the deal memo.</p>\n<h4>Related post:</h4>\n<p><a href=\"/articles/renting-a-car-for-production\" rel=\" noopener\">I'm renting a car (in Canada) for my production</a></p>\n<div class=\"section post-body\">\n<h4>Related links:</h4>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance\" rel=\" noopener\">Film Production Insurance</a></p>\n<p><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p>Crew Vehicles</p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div>","legacy_post_guid":"c4598597-6d47-45ae-869c-a893ab14438e","featured_image_alt_text":"Film Production Insurance and Renting Crew Personal Vehicles in Canada","enable_google_amp_output_override":false,"last_edit_session_id":null,"last_edit_update_id":null,"tag_ids":[949708809,949708814],"link_rel_canonical_url":"","published_by_id":7915797,"published_at":1654182450974,"scheduled_update_date":0,"featured_image_height":400,"featured_image_width":600,"header":null},"metaDescription":"What you need to know about insurance if you rent a vehicle from a crew member for your film production. If you plan to rent a vehicle from a crew...","metaKeywords":"Non-Owned Auto Liability, Hired Auto Liability, film truck insurance, production insurance for vehcieles","name":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >Production Insurance and Renting Crew Personal Vehicles in Canada</span>","nextPostFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/Best%20gimbals/best-camera-gimbals-shutterstock_1986724094-forweb300.jpg","nextPostFeaturedImageAltText":"The Best Budget Camera Stabilizers and Gimbals for Filmmakers","nextPostName":"The Best Budget Camera Stabilizers and Gimbals for Filmmakers","nextPostSlug":"articles/best-budget-camera-stabilizers-and-gimbals","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"Production Insurance and Renting Crew Personal Vehicles in Canada","parentBlog":{"absoluteUrl":"https://www.frontrowinsurance.com/articles","allowComments":true,"ampBodyColor":"#404040","ampBodyFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampBodyFontSize":"18","ampCustomCss":"","ampHeaderBackgroundColor":"#ffffff","ampHeaderColor":"#1e1e1e","ampHeaderFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampHeaderFontSize":"36","ampLinkColor":"#416bb3","ampLogoAlt":"Front Row Insurance logo","ampLogoHeight":63,"ampLogoSrc":"https://cdn2.hubspot.net/hubfs/61352/front-row-logo.png","ampLogoWidth":175,"analyticsPageId":137640,"attachedStylesheets":[],"audienceAccess":"PUBLIC","businessUnitId":null,"captchaAfterDays":7,"captchaAlways":false,"categoryId":3,"cdnPurgeEmbargoTime":null,"closeCommentsOlder":0,"commentDateFormat":"medium","commentFormGuid":"7a447743-bbf2-4b55-a759-b405bf392a7d","commentMaxThreadDepth":3,"commentModeration":true,"commentNotificationEmails":["mike@frontrowinsurance.com","grant@frontrowinsurance.com"],"commentShouldCreateContact":true,"commentVerificationText":"","cosObjectType":"BLOG","created":1401900293000,"createdDateTime":1401900293000,"dailyNotificationEmailId":"952268096","dateFormattingLanguage":"en_US","defaultGroupStyleId":"","defaultNotificationFromName":"","defaultNotificationReplyTo":"","deletedAt":0,"description":"The Front Row Insurance Blog where you can learn and converse about all things entertainment insurance related.","domain":"","domainWhenPublished":"www.frontrowinsurance.com","emailApiSubscriptionId":283237,"enableGoogleAmpOutput":true,"enableSocialAutoPublishing":false,"generateJsonLdEnabled":false,"header":null,"htmlFooter":"<!-- DELTA-->","htmlFooterIsShared":false,"htmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\"\n },\n \"headline\": \"Production Insurance and Renting Crew Personal Vehicles in Canada\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/renting%20crew%20vehicles/crew-vehicle-shutterstock_1085625869-forweb600.jpg\"\n },\n \"datePublished\": \"2021-06-18 19:42:17\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"What you need to know about insurance if you rent a vehicle from a crew member for your film production. If you plan to rent a vehicle from a crew...\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","htmlHeadIsShared":true,"htmlKeywords":["Front Row Insurance Blog"," entertainment blog"," film blog"," film insurance"," event insurance"," film festival blog"," production blog"," musicians blog"," "],"htmlTitle":"The Front Row View (entertainment insurance blog)","id":952267656,"instantNotificationEmailId":"952268061","itemLayoutId":null,"itemTemplateIsShared":false,"itemTemplatePath":"prox_frontrow/templates/blog/blog-post.html","label":"The Front Row View (entertainment insurance blog)","language":"en","legacyGuid":"469ce2ec-4dd9-442d-984a-3bab2557a02f","legacyModuleId":"164112","legacyTabId":137640,"listingLayoutId":null,"listingPageId":70026589976,"listingTemplatePath":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","monthFilterFormat":"MMMM yyyy","monthlyNotificationEmailId":"952267981","name":"The Front Row View (entertainment insurance blog)","parentBlogUpdateTaskId":null,"portalId":61352,"postHtmlFooter":"<!-- OMEGA-->","postHtmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\"\n },\n \"headline\": \"Production Insurance and Renting Crew Personal Vehicles in Canada\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/renting%20crew%20vehicles/crew-vehicle-shutterstock_1085625869-forweb600.jpg\"\n },\n \"datePublished\": \"2021-06-18 19:42:17\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"What you need to know about insurance if you rent a vehicle from a crew member for your film production. If you plan to rent a vehicle from a crew...\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","postsPerListingPage":10,"postsPerRssFeed":10,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publicTitle":"The Front Row View (entertainment insurance blog)","publishDateFormat":"medium","resolvedDomain":"www.frontrowinsurance.com","rootUrl":"https://www.frontrowinsurance.com/articles","rssCustomFeed":"","rssDescription":"RSS feeds for ","rssItemFooter":"<IMG style=\"WIDTH: 144px; HEIGHT: 78px\" title=\"\" border=0 alt=\"\" align=center src=\"http://focusinsurance.web6.hubspot.com/Portals/61352/images//logo_final.jpg\" width=138 height=78 mce_src=\"/Portals/61352/images//logo_final.jpg\">","rssItemHeader":"","settingsOverrides":{"itemLayoutId":false,"itemTemplatePath":false,"itemTemplateIsShared":false,"listingLayoutId":false,"listingTemplatePath":false,"postsPerListingPage":false,"showSummaryInListing":false,"useFeaturedImageInSummary":false,"htmlHead":false,"postHtmlHead":false,"htmlHeadIsShared":false,"htmlFooter":false,"listingPageHtmlFooter":false,"postHtmlFooter":false,"htmlFooterIsShared":false,"attachedStylesheets":false,"postsPerRssFeed":false,"showSummaryInRss":false,"showSummaryInEmails":false,"showSummariesInEmails":false,"allowComments":false,"commentShouldCreateContact":false,"commentModeration":false,"closeCommentsOlder":false,"commentNotificationEmails":false,"commentMaxThreadDepth":false,"commentVerificationText":false,"socialAccountTwitter":false,"showSocialLinkTwitter":false,"showSocialLinkLinkedin":false,"showSocialLinkFacebook":false,"enableGoogleAmpOutput":false,"ampLogoSrc":false,"ampLogoHeight":false,"ampLogoWidth":false,"ampLogoAlt":false,"ampHeaderFont":false,"ampHeaderFontSize":false,"ampHeaderColor":false,"ampHeaderBackgroundColor":false,"ampBodyFont":false,"ampBodyFontSize":false,"ampBodyColor":false,"ampLinkColor":false,"generateJsonLdEnabled":false},"showSocialLinkFacebook":true,"showSocialLinkLinkedin":true,"showSocialLinkTwitter":true,"showSummaryInEmails":true,"showSummaryInListing":false,"showSummaryInRss":true,"siteId":0,"slug":"articles","socialAccountTwitter":"","state":null,"subscriptionContactsProperty":"blog_blog_the_front_row_view_subscription","subscriptionEmailType":null,"subscriptionFormGuid":"a2c254df-2214-4c54-bd51-46da1e3029fb","subscriptionListsByType":{"daily":12,"instant":11,"monthly":10,"weekly":13},"title":null,"translatedFromId":null,"translations":{"fr":{"absoluteUrl":"https://www.frontrowinsurance.com/fr/blogue","id":2471031463,"language":"fr","masterId":952267656,"name":"The Front Row View (entertainment insurance blog)","publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"slug":"fr/blogue"}},"updated":1650089754719,"updatedDateTime":1650089754719,"urlBase":"www.frontrowinsurance.com/articles","urlSegments":{},"useFeaturedImageInSummary":true,"usesDefaultTemplate":false,"weeklyNotificationEmailId":"952268106"},"password":null,"pastMabExperimentIds":[],"performableGuid":"","performableVariationLetter":null,"personas":[],"placementGuids":[],"portableKey":null,"portalId":61352,"position":null,"postBody":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>\n<!--more-->\n<h2>Crew vehicles and third parties - insurance concerns</h2>\n<p class=\"hs-migrated-cms-post\">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.</p>\n<p class=\"hs-migrated-cms-post\">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 (<a href=\"/articles/third-party-property-damage-liability\" rel=\" noopener\">Property Damage</a>) or third parties themselves (<a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Bodily Injury</a>).</p>\n<h2>Scenario 1: Damage to the vehicle only</h2>\n<p>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 <strong>not</strong> be charged against the driver's insurance, so they will maintain a clean driving record.</p>\n<p>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.&nbsp; 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.</p>\n<p>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 the <em><span style=\"font-weight: normal;\">Insurance Corporation of British Columbia</span> ICBC</em> or another insurer), or by themselves if they have no policy.&nbsp;</p>\n<p>The production could always reimburse a driver for an incident: this is always a business decision for the production to make. In this scenario, the owner/driver is on their own. If production does decide to reimburse a driver for damage, 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. Physical damage for rented vehicles either through <a href=\"/film-production-insurance\" rel=\"noopener\">Production Insurance</a> or the Loss Damage Waiver purchased through a rental company should not respond any differently in Ontario.</p>\n<h2>Scenario 2: Bodily injury or property damage</h2>\n<h3>Considerations for production companies when renting crew vehicles in BC:</h3>\n<p>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.</p>\n<p>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.</p>\n<p>The production typically has <a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\"noopener\">Non-Owned Automobile Liability</a> 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. <span style=\"font-weight: bold;\">Note</span>: in order for coverage to apply, the vehicle involved in the accident must be used on production and cannot be owned by the production or parent company.</p>\n<p>In the event of third-party bodily injury or property damage, the first response will always be ICBC in British Columbia.</p>\n<h3>Considerations for production companies when renting crew vehicles in Quebec:</h3>\n<p>All Quebec drivers are protected by the Quebec public automobile insurance plan (<a href=\"https://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_de_l%27assurance_automobile_du_Qu%C3%A9bec\" rel=\"nofollow noopener\">Société de l'assurance Automobile du Québec</a>). This plan offers indemnities in the event of injury or death resulting from an accident that occurred in Quebec.</p>\n<p>One of the foundations of the Quebec auto insurance plan is its coverage regardless of anyone's liability. We often hear the term \"no fault\" to designate this particularity. This means that Quebecers involved in a road accident in Quebec are covered by the plan, whether or not they are responsible for the accident.</p>\n<p>Since the principle of compensation does not take into account liability, it is not possible for an individual or a company to take legal action against the person responsible for a traffic accident.</p>\n<p>The public automobile insurance plan does not replace your private automobile insurer; in Quebec, the law requires that all vehicle owners have a civil liability insurance policy for a minimum of $50,000. This compulsory basic insurance is used to cover property damage that you may cause to others.</p>\n<h3>Considerations for production companies when renting crew vehicles in Ontario:</h3>\n<p>With respect to liability, if the intent of the production company is to rent the vehicle (and not to provide a car allowance), there should be a written agreement in place between the production company and the crew member (owner).</p>\n<ul>\n<li>The agreement should include confirmation that the crew member has their insurer’s approval to rent their vehicle to production and the policy is endorsed accordingly.</li>\n<li>For short-term rentals (30 days or fewer), the production company’s Non-Owned Automobile Liability coverage under the <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> policy will provide coverage as required by law. The owner of the vehicle is still responsible to maintain a valid automobile policy.</li>\n<li>For rentals of 31 days or more, the owner may transfer the responsibility of compulsory automobile insurance to a third party (production company) via a rental/lease agreement. In this case, the production company is responsible for maintaining an Owner's Automobile Liability policy.</li>\n</ul>\n<p>As the specifics of each situation vary, we recommend that the production consults with their <a href=\"/contact-us\" rel=\"noopener\">insurance broker</a> to arrange the necessary coverage.</p>\n<p>Lastly, there is the potential issue of loss of the owner's safe driving credits. You should address this in the deal memo.</p>\n<h4>Related post:</h4>\n<p><a href=\"/articles/renting-a-car-for-production\" rel=\" noopener\">I'm renting a car (in Canada) for my production</a></p>\n<div class=\"section post-body\">\n<h4>Related links:</h4>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance\" rel=\" noopener\">Film Production Insurance</a></p>\n<p><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p>Crew Vehicles</p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div></span>","postBodyRss":"<p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>\n<!--more-->\n<h2>Crew vehicles and third parties - insurance concerns</h2>\n<p class=\"hs-migrated-cms-post\">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.</p>\n<p class=\"hs-migrated-cms-post\">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 (<a href=\"/articles/third-party-property-damage-liability\" rel=\" noopener\">Property Damage</a>) or third parties themselves (<a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Bodily Injury</a>).</p>\n<h2>Scenario 1: Damage to the vehicle only</h2>\n<p>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 <strong>not</strong> be charged against the driver's insurance, so they will maintain a clean driving record.</p>\n<p>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.&nbsp; 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.</p>\n<p>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 the <em><span style=\"font-weight: normal;\">Insurance Corporation of British Columbia</span> ICBC</em> or another insurer), or by themselves if they have no policy.&nbsp;</p>\n<p>The production could always reimburse a driver for an incident: this is always a business decision for the production to make. In this scenario, the owner/driver is on their own. If production does decide to reimburse a driver for damage, 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. Physical damage for rented vehicles either through <a href=\"/film-production-insurance\" rel=\"noopener\">Production Insurance</a> or the Loss Damage Waiver purchased through a rental company should not respond any differently in Ontario.</p>\n<h2>Scenario 2: Bodily injury or property damage</h2>\n<h3>Considerations for production companies when renting crew vehicles in BC:</h3>\n<p>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.</p>\n<p>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.</p>\n<p>The production typically has <a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\"noopener\">Non-Owned Automobile Liability</a> 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. <span style=\"font-weight: bold;\">Note</span>: in order for coverage to apply, the vehicle involved in the accident must be used on production and cannot be owned by the production or parent company.</p>\n<p>In the event of third-party bodily injury or property damage, the first response will always be ICBC in British Columbia.</p>\n<h3>Considerations for production companies when renting crew vehicles in Quebec:</h3>\n<p>All Quebec drivers are protected by the Quebec public automobile insurance plan (<a href=\"https://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_de_l%27assurance_automobile_du_Qu%C3%A9bec\" rel=\"nofollow noopener\">Société de l'assurance Automobile du Québec</a>). This plan offers indemnities in the event of injury or death resulting from an accident that occurred in Quebec.</p>\n<p>One of the foundations of the Quebec auto insurance plan is its coverage regardless of anyone's liability. We often hear the term \"no fault\" to designate this particularity. This means that Quebecers involved in a road accident in Quebec are covered by the plan, whether or not they are responsible for the accident.</p>\n<p>Since the principle of compensation does not take into account liability, it is not possible for an individual or a company to take legal action against the person responsible for a traffic accident.</p>\n<p>The public automobile insurance plan does not replace your private automobile insurer; in Quebec, the law requires that all vehicle owners have a civil liability insurance policy for a minimum of $50,000. This compulsory basic insurance is used to cover property damage that you may cause to others.</p>\n<h3>Considerations for production companies when renting crew vehicles in Ontario:</h3>\n<p>With respect to liability, if the intent of the production company is to rent the vehicle (and not to provide a car allowance), there should be a written agreement in place between the production company and the crew member (owner).</p>\n<ul>\n<li>The agreement should include confirmation that the crew member has their insurer’s approval to rent their vehicle to production and the policy is endorsed accordingly.</li>\n<li>For short-term rentals (30 days or fewer), the production company’s Non-Owned Automobile Liability coverage under the <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> policy will provide coverage as required by law. The owner of the vehicle is still responsible to maintain a valid automobile policy.</li>\n<li>For rentals of 31 days or more, the owner may transfer the responsibility of compulsory automobile insurance to a third party (production company) via a rental/lease agreement. In this case, the production company is responsible for maintaining an Owner's Automobile Liability policy.</li>\n</ul>\n<p>As the specifics of each situation vary, we recommend that the production consults with their <a href=\"/contact-us\" rel=\"noopener\">insurance broker</a> to arrange the necessary coverage.</p>\n<p>Lastly, there is the potential issue of loss of the owner's safe driving credits. You should address this in the deal memo.</p>\n<h4>Related post:</h4>\n<p><a href=\"/articles/renting-a-car-for-production\" rel=\" noopener\">I'm renting a car (in Canada) for my production</a></p>\n<div class=\"section post-body\">\n<h4>Related links:</h4>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance\" rel=\" noopener\">Film Production Insurance</a></p>\n<p><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p>Crew Vehicles</p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div>","postEmailContent":"<p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/renting%20crew%20vehicles/crew-vehicle-shutterstock_1085625869-forweb600.jpg","postListContent":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>\n<!--more-->\n<h2>Crew vehicles and third parties - insurance concerns</h2>\n<p class=\"hs-migrated-cms-post\">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.</p>\n<p class=\"hs-migrated-cms-post\">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 (<a href=\"/articles/third-party-property-damage-liability\" rel=\" noopener\">Property Damage</a>) or third parties themselves (<a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Bodily Injury</a>).</p>\n<h2>Scenario 1: Damage to the vehicle only</h2>\n<p>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 <strong>not</strong> be charged against the driver's insurance, so they will maintain a clean driving record.</p>\n<p>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.&nbsp; 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.</p>\n<p>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 the <em><span style=\"font-weight: normal;\">Insurance Corporation of British Columbia</span> ICBC</em> or another insurer), or by themselves if they have no policy.&nbsp;</p>\n<p>The production could always reimburse a driver for an incident: this is always a business decision for the production to make. In this scenario, the owner/driver is on their own. If production does decide to reimburse a driver for damage, 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. Physical damage for rented vehicles either through <a href=\"/film-production-insurance\" rel=\"noopener\">Production Insurance</a> or the Loss Damage Waiver purchased through a rental company should not respond any differently in Ontario.</p>\n<h2>Scenario 2: Bodily injury or property damage</h2>\n<h3>Considerations for production companies when renting crew vehicles in BC:</h3>\n<p>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.</p>\n<p>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.</p>\n<p>The production typically has <a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\"noopener\">Non-Owned Automobile Liability</a> 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. <span style=\"font-weight: bold;\">Note</span>: in order for coverage to apply, the vehicle involved in the accident must be used on production and cannot be owned by the production or parent company.</p>\n<p>In the event of third-party bodily injury or property damage, the first response will always be ICBC in British Columbia.</p>\n<h3>Considerations for production companies when renting crew vehicles in Quebec:</h3>\n<p>All Quebec drivers are protected by the Quebec public automobile insurance plan (<a href=\"https://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_de_l%27assurance_automobile_du_Qu%C3%A9bec\" rel=\"nofollow noopener\">Société de l'assurance Automobile du Québec</a>). This plan offers indemnities in the event of injury or death resulting from an accident that occurred in Quebec.</p>\n<p>One of the foundations of the Quebec auto insurance plan is its coverage regardless of anyone's liability. We often hear the term \"no fault\" to designate this particularity. This means that Quebecers involved in a road accident in Quebec are covered by the plan, whether or not they are responsible for the accident.</p>\n<p>Since the principle of compensation does not take into account liability, it is not possible for an individual or a company to take legal action against the person responsible for a traffic accident.</p>\n<p>The public automobile insurance plan does not replace your private automobile insurer; in Quebec, the law requires that all vehicle owners have a civil liability insurance policy for a minimum of $50,000. This compulsory basic insurance is used to cover property damage that you may cause to others.</p>\n<h3>Considerations for production companies when renting crew vehicles in Ontario:</h3>\n<p>With respect to liability, if the intent of the production company is to rent the vehicle (and not to provide a car allowance), there should be a written agreement in place between the production company and the crew member (owner).</p>\n<ul>\n<li>The agreement should include confirmation that the crew member has their insurer’s approval to rent their vehicle to production and the policy is endorsed accordingly.</li>\n<li>For short-term rentals (30 days or fewer), the production company’s Non-Owned Automobile Liability coverage under the <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> policy will provide coverage as required by law. The owner of the vehicle is still responsible to maintain a valid automobile policy.</li>\n<li>For rentals of 31 days or more, the owner may transfer the responsibility of compulsory automobile insurance to a third party (production company) via a rental/lease agreement. In this case, the production company is responsible for maintaining an Owner's Automobile Liability policy.</li>\n</ul>\n<p>As the specifics of each situation vary, we recommend that the production consults with their <a href=\"/contact-us\" rel=\"noopener\">insurance broker</a> to arrange the necessary coverage.</p>\n<p>Lastly, there is the potential issue of loss of the owner's safe driving credits. You should address this in the deal memo.</p>\n<h4>Related post:</h4>\n<p><a href=\"/articles/renting-a-car-for-production\" rel=\" noopener\">I'm renting a car (in Canada) for my production</a></p>\n<div class=\"section post-body\">\n<h4>Related links:</h4>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance\" rel=\" noopener\">Film Production Insurance</a></p>\n<p><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p>Crew Vehicles</p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div></span>","postListSummaryFeaturedImage":"","postRssContent":"<p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/renting%20crew%20vehicles/crew-vehicle-shutterstock_1085625869-forweb600.jpg","postSummary":"<p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>\n","postSummaryRss":"<p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"nABCOrBx","previousPostFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/art%20care/fine-art-insurance-shutterstock_154962392-forweb300.jpg","previousPostFeaturedImageAltText":"The Art of Art Care: Tips for Preserving Fine Art to Obtain the Best Art Insurance Premium","previousPostName":"Tips for Preserving Fine Art to Obtain the Best Art Insurance Premium","previousPostSlug":"articles/tips-for-preserving-fine-art-to-obtain-the-best-art-insurance-premium","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publishDate":1624045337000,"publishDateLocalTime":1624045337000,"publishDateLocalized":{"date":1624045337000,"format":"medium","language":"en_US"},"publishImmediately":true,"publishTimezoneOffset":null,"publishedAt":1654182450974,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":null,"rssBody":"<p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, Shutterstock</span></em></span></p>\n<!--more-->\n<h2>Crew vehicles and third parties - insurance concerns</h2>\n<p class=\"hs-migrated-cms-post\">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.</p>\n<p class=\"hs-migrated-cms-post\">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 (<a href=\"/articles/third-party-property-damage-liability\" rel=\" noopener\">Property Damage</a>) or third parties themselves (<a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Bodily Injury</a>).</p>\n<h2>Scenario 1: Damage to the vehicle only</h2>\n<p>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 <strong>not</strong> be charged against the driver's insurance, so they will maintain a clean driving record.</p>\n<p>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.&nbsp; 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.</p>\n<p>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 the <em><span style=\"font-weight: normal;\">Insurance Corporation of British Columbia</span> ICBC</em> or another insurer), or by themselves if they have no policy.&nbsp;</p>\n<p>The production could always reimburse a driver for an incident: this is always a business decision for the production to make. In this scenario, the owner/driver is on their own. If production does decide to reimburse a driver for damage, 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. Physical damage for rented vehicles either through <a href=\"/film-production-insurance\" rel=\"noopener\">Production Insurance</a> or the Loss Damage Waiver purchased through a rental company should not respond any differently in Ontario.</p>\n<h2>Scenario 2: Bodily injury or property damage</h2>\n<h3>Considerations for production companies when renting crew vehicles in BC:</h3>\n<p>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.</p>\n<p>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.</p>\n<p>The production typically has <a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\"noopener\">Non-Owned Automobile Liability</a> 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. <span style=\"font-weight: bold;\">Note</span>: in order for coverage to apply, the vehicle involved in the accident must be used on production and cannot be owned by the production or parent company.</p>\n<p>In the event of third-party bodily injury or property damage, the first response will always be ICBC in British Columbia.</p>\n<h3>Considerations for production companies when renting crew vehicles in Quebec:</h3>\n<p>All Quebec drivers are protected by the Quebec public automobile insurance plan (<a href=\"https://en.wikipedia.org/wiki/Soci%C3%A9t%C3%A9_de_l%27assurance_automobile_du_Qu%C3%A9bec\" rel=\"nofollow noopener\">Société de l'assurance Automobile du Québec</a>). This plan offers indemnities in the event of injury or death resulting from an accident that occurred in Quebec.</p>\n<p>One of the foundations of the Quebec auto insurance plan is its coverage regardless of anyone's liability. We often hear the term \"no fault\" to designate this particularity. This means that Quebecers involved in a road accident in Quebec are covered by the plan, whether or not they are responsible for the accident.</p>\n<p>Since the principle of compensation does not take into account liability, it is not possible for an individual or a company to take legal action against the person responsible for a traffic accident.</p>\n<p>The public automobile insurance plan does not replace your private automobile insurer; in Quebec, the law requires that all vehicle owners have a civil liability insurance policy for a minimum of $50,000. This compulsory basic insurance is used to cover property damage that you may cause to others.</p>\n<h3>Considerations for production companies when renting crew vehicles in Ontario:</h3>\n<p>With respect to liability, if the intent of the production company is to rent the vehicle (and not to provide a car allowance), there should be a written agreement in place between the production company and the crew member (owner).</p>\n<ul>\n<li>The agreement should include confirmation that the crew member has their insurer’s approval to rent their vehicle to production and the policy is endorsed accordingly.</li>\n<li>For short-term rentals (30 days or fewer), the production company’s Non-Owned Automobile Liability coverage under the <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> policy will provide coverage as required by law. The owner of the vehicle is still responsible to maintain a valid automobile policy.</li>\n<li>For rentals of 31 days or more, the owner may transfer the responsibility of compulsory automobile insurance to a third party (production company) via a rental/lease agreement. In this case, the production company is responsible for maintaining an Owner's Automobile Liability policy.</li>\n</ul>\n<p>As the specifics of each situation vary, we recommend that the production consults with their <a href=\"/contact-us\" rel=\"noopener\">insurance broker</a> to arrange the necessary coverage.</p>\n<p>Lastly, there is the potential issue of loss of the owner's safe driving credits. You should address this in the deal memo.</p>\n<h4>Related post:</h4>\n<p><a href=\"/articles/renting-a-car-for-production\" rel=\" noopener\">I'm renting a car (in Canada) for my production</a></p>\n<div class=\"section post-body\">\n<h4>Related links:</h4>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance\" rel=\" noopener\">Film Production Insurance</a></p>\n<p><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p>Crew Vehicles</p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div>","rssSummary":"<p style=\"text-align: right;\"><span style=\"font-size: 12px;\"><em><span style=\"background-color: transparent;\">Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 1085625869, 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Production Insurance and Renting Crew Personal Vehicles in Canada

Film Production Insurance and Renting Crew Personal Vehicles in Canada

Royalty-free stock photo ID: 1085625869, Shutterstock

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.

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 the Insurance Corporation of British Columbia ICBC or another insurer), or by themselves if they have no policy. 

The production could always reimburse a driver for an incident: this is always a business decision for the production to make. In this scenario, the owner/driver is on their own. If production does decide to reimburse a driver for damage, 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. Physical damage for rented vehicles either through Production Insurance or the Loss Damage Waiver purchased through a rental company should not respond any differently in Ontario.

Scenario 2: Bodily injury or property damage

Considerations for production companies when renting crew vehicles in BC:

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.

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 typically has 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. Note: in order for coverage to apply, the vehicle involved in the accident must be used on production and cannot be owned by the production or parent company.

In the event of third-party bodily injury or property damage, the first response will always be ICBC in British Columbia.

Considerations for production companies when renting crew vehicles in Quebec:

All Quebec drivers are protected by the Quebec public automobile insurance plan (Société de l'assurance Automobile du Québec). This plan offers indemnities in the event of injury or death resulting from an accident that occurred in Quebec.

One of the foundations of the Quebec auto insurance plan is its coverage regardless of anyone's liability. We often hear the term "no fault" to designate this particularity. This means that Quebecers involved in a road accident in Quebec are covered by the plan, whether or not they are responsible for the accident.

Since the principle of compensation does not take into account liability, it is not possible for an individual or a company to take legal action against the person responsible for a traffic accident.

The public automobile insurance plan does not replace your private automobile insurer; in Quebec, the law requires that all vehicle owners have a civil liability insurance policy for a minimum of $50,000. This compulsory basic insurance is used to cover property damage that you may cause to others.

Considerations for production companies when renting crew vehicles in Ontario:

With respect to liability, if the intent of the production company is to rent the vehicle (and not to provide a car allowance), there should be a written agreement in place between the production company and the crew member (owner).

  • The agreement should include confirmation that the crew member has their insurer’s approval to rent their vehicle to production and the policy is endorsed accordingly.
  • For short-term rentals (30 days or fewer), the production company’s Non-Owned Automobile Liability coverage under the Commercial General Liability policy will provide coverage as required by law. The owner of the vehicle is still responsible to maintain a valid automobile policy.
  • For rentals of 31 days or more, the owner may transfer the responsibility of compulsory automobile insurance to a third party (production company) via a rental/lease agreement. In this case, the production company is responsible for maintaining an Owner's Automobile Liability policy.

As the specifics of each situation vary, we recommend that the production consults with their insurance broker to arrange the necessary coverage.

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

Related post:

I'm renting a car (in Canada) for my production

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

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