{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production","afterPostBody":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"137640-112203","analyticsPageType":"blog-post","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 Hamilton","language":null,"linkedin":"","name":"David Hamilton","portalId":61352,"slug":"david-hamilton","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1401900296000,"userId":null,"username":"david@frontrowinsurance.com","website":""},"blogAuthorId":952267721,"blogPostAuthor":{"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 Hamilton","language":null,"linkedin":"","name":"David Hamilton","portalId":61352,"slug":"david-hamilton","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1401900296000,"userId":null,"username":"david@frontrowinsurance.com","website":""},"blogPostScheduleTaskUid":null,"blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":0,"blogPublishInstantEmailTaskUid":"DONE","blogPublishToSocialMediaTask":"DONE","blueprintTypeId":0,"businessUnitId":0,"campaign":"","campaignName":null,"campaignUtm":null,"category":3,"categoryId":3,"cdnPurgeEmbargoTime":null,"clonedFrom":null,"composeBody":null,"compositionId":0,"contentAccessRuleIds":[],"contentAccessRuleTypes":[],"contentGroup":952267656,"contentGroupId":952267656,"contentTypeCategory":3,"contentTypeCategoryId":3,"contentTypeId":null,"created":1357148031000,"createdById":null,"createdTime":1357148031000,"css":{},"cssText":"","ctaClicks":null,"ctaViews":null,"currentState":"PUBLISHED","currentlyPublished":true,"deletedAt":0,"deletedBy":null,"domain":"","dynamicPageDataSourceId":null,"dynamicPageDataSourceType":null,"dynamicPageHubDbTableId":null,"enableDomainStylesheets":null,"enableGoogleAmpOutputOverride":false,"enableLayoutStylesheets":null,"errors":[],"featuredImage":"","featuredImageAltText":"","featuredImageHeight":0,"featuredImageLength":0,"featuredImageWidth":0,"flexAreas":{},"folderId":null,"footerHtml":"","freezeDate":1357147980000,"generateJsonLdEnabledOverride":true,"hasContentAccessRules":false,"hasUserChanges":true,"headHtml":"","header":null,"htmlTitle":"Umbrella Vs. Excess Liability Insurance Coverage for Film Production","id":949705614,"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\" >Umbrella Vs. Excess Liability Insurance Coverage for Film Production</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":137640,"legacyId":112203,"legacyPostGuid":"6fcdfef7-a2d3-45e9-a37a-74641e6d52f1","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":"Umbrella Insurance, Excess Liability, Film Insurance,","blog_publish_instant_email_task_uid":"DONE","use_featured_image":false,"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":"","page_redirected":null,"campaign_name":null,"post_summary":"<h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n","has_user_changes":true,"attached_stylesheets":[],"unpublished_at":null,"author_email":"nedia@frontrowinsurance.com","topic_ids":[949708774,949708809,949708814,949708959],"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":"Film Production Companies - Understanding the difference between Umbrella and Excess Liability Insurance Coverage.","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":"<h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</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\" ><h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n<!--more--><br>\n<p><object width=\"560\" height=\"315\" classid=\"clsid:d27cdb6e-ae6d-11cf-96b8-444553540000\" codebase=\"http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0\"><param name=\"allowFullScreen\" value=\"true\"><param name=\"allowscriptaccess\" value=\"always\"><param name=\"wmode\" value=\"transparent\"><param name=\"src\" value=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\"><param name=\"allowfullscreen\" value=\"true\"><embed width=\"560\" height=\"315\" type=\"application/x-shockwave-flash\" src=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\" allowfullscreen=\"allowfullscreen\" allowscriptaccess=\"always\" wmode=\"transparent\"></object></p>\n<p>Whichever type of liability policy or policies are selected by a <a href=\"/film-production-insurance/\" title=\"production company\" target=\"_self\">production company</a>; there is a “primary” layer of coverage.&nbsp; Depending upon the limit of the primary general liability coverage, a production company may wish to purchase additional limits of protection: a filming location may require 10mil or more of coverage although 5mil is a common limit of coverage in Canada.</p>\n<p>This additional layer of liability coverage is called umbrella or excess coverage.</p>\n<p>Either Excess or Umbrella coverage is triggered when the primary protection’s limits have been breached, <em>i.e.,</em> the underlying policy limit is exhausted.</p>\n<p>Theoretically, an Umbrella Policy supplements its excess coverage to include miscellaneous and unidentified loss exposures that are not covered by an underlying policy. This is an advantage of an umbrella liability policy. Since there isn’t a source of primary protection for these exposures, a form of high deductible, called a <strong>self-insured retention</strong>, is applied to such losses.</p>\n<p>An Excess Policy does NOT provide broader coverage; it only serves to supplement whatever coverage exists in the primary layer.&nbsp; It’s becoming increasingly common for such coverage to be provided on a Following Form basis.&nbsp; These forms are written so that they track the coverage, exclusions, and provisions of the underlying policies.</p>\n<p>Simply stated, an Umbrella Policy will provide additional protection for your production company with different coverage that may not be in your underlying policy. An Excess Policy will further protect your production company by adding extra protection onto the limits of your underlying policy.</p>\n<p>If you seek additional coverage for your production company, be sure to pay attention to what is stated in the form. The term \"umbrella\" may be used even when the form does not provide true umbrella coverage. For additional information relating to the above, please <a href=\"/contact-us\" rel=\" noopener\">contact Front Row Insurance Brokers</a>.</p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\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=\"https://www.frontrowinsurance.com/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=\"/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><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">Crew Vehicles</a></p>\n<p>Umbrella Vs. Excess Liability</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":false,"html_title":"Umbrella Vs. Excess Liability Insurance Coverage for Film Production","blog_publish_to_social_media_task":"DONE","rss_body":"<h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n<!--more--><br>\n<p><object width=\"560\" height=\"315\" classid=\"clsid:d27cdb6e-ae6d-11cf-96b8-444553540000\" codebase=\"http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0\"><param name=\"allowFullScreen\" value=\"true\"><param name=\"allowscriptaccess\" value=\"always\"><param name=\"wmode\" value=\"transparent\"><param name=\"src\" value=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\"><param name=\"allowfullscreen\" value=\"true\"><embed width=\"560\" height=\"315\" type=\"application/x-shockwave-flash\" src=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\" allowfullscreen=\"allowfullscreen\" allowscriptaccess=\"always\" wmode=\"transparent\"></object></p>\n<p>Whichever type of liability policy or policies are selected by a <a href=\"/film-production-insurance/\" title=\"production company\" target=\"_self\">production company</a>; there is a “primary” layer of coverage.&nbsp; Depending upon the limit of the primary general liability coverage, a production company may wish to purchase additional limits of protection: a filming location may require 10mil or more of coverage although 5mil is a common limit of coverage in Canada.</p>\n<p>This additional layer of liability coverage is called umbrella or excess coverage.</p>\n<p>Either Excess or Umbrella coverage is triggered when the primary protection’s limits have been breached, <em>i.e.,</em> the underlying policy limit is exhausted.</p>\n<p>Theoretically, an Umbrella Policy supplements its excess coverage to include miscellaneous and unidentified loss exposures that are not covered by an underlying policy. This is an advantage of an umbrella liability policy. Since there isn’t a source of primary protection for these exposures, a form of high deductible, called a <strong>self-insured retention</strong>, is applied to such losses.</p>\n<p>An Excess Policy does NOT provide broader coverage; it only serves to supplement whatever coverage exists in the primary layer.&nbsp; It’s becoming increasingly common for such coverage to be provided on a Following Form basis.&nbsp; These forms are written so that they track the coverage, exclusions, and provisions of the underlying policies.</p>\n<p>Simply stated, an Umbrella Policy will provide additional protection for your production company with different coverage that may not be in your underlying policy. An Excess Policy will further protect your production company by adding extra protection onto the limits of your underlying policy.</p>\n<p>If you seek additional coverage for your production company, be sure to pay attention to what is stated in the form. The term \"umbrella\" may be used even when the form does not provide true umbrella coverage. For additional information relating to the above, please <a href=\"/contact-us\" rel=\" noopener\">contact Front Row Insurance Brokers</a>.</p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\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=\"https://www.frontrowinsurance.com/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=\"/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><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">Crew Vehicles</a></p>\n<p>Umbrella Vs. Excess Liability</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":"6fcdfef7-a2d3-45e9-a37a-74641e6d52f1","featured_image_alt_text":"","enable_google_amp_output_override":false,"last_edit_session_id":null,"last_edit_update_id":null,"tag_ids":[949708774,949708809,949708814,949708959],"link_rel_canonical_url":"","published_by_id":7915797,"published_at":1649436252341,"scheduled_update_date":0,"header":null},"metaDescription":"Film Production Companies - Understanding the difference between Umbrella and Excess Liability Insurance Coverage.","metaKeywords":"Umbrella Insurance, Excess Liability, Film Insurance,","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\" >Umbrella Vs. Excess Liability Insurance Coverage for Film Production</span>","nextPostFeaturedImage":"https://cdn2.hubspot.net/hubfs/61352/blog-image-uploads/PYRO_645446737-FORWEB.jpg","nextPostFeaturedImageAltText":"pyrotechnic SPFX on a production","nextPostName":"Film Production Companies & Pyrotechnics: Who can work with Pyro?","nextPostSlug":"articles/articles/bid/112215/film-production-companies-pyrotechnics-who-can-work-with-pyrotechnics","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"Umbrella Vs. Excess Liability Insurance Coverage for Film Production","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/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\"\n },\n \"headline\": \"Umbrella Vs. 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Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n<!--more--><br>\n<p><object width=\"560\" height=\"315\" classid=\"clsid:d27cdb6e-ae6d-11cf-96b8-444553540000\" codebase=\"http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0\"><param name=\"allowFullScreen\" value=\"true\"><param name=\"allowscriptaccess\" value=\"always\"><param name=\"wmode\" value=\"transparent\"><param name=\"src\" value=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\"><param name=\"allowfullscreen\" value=\"true\"><embed width=\"560\" height=\"315\" type=\"application/x-shockwave-flash\" src=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\" allowfullscreen=\"allowfullscreen\" allowscriptaccess=\"always\" wmode=\"transparent\"></object></p>\n<p>Whichever type of liability policy or policies are selected by a <a href=\"/film-production-insurance/\" title=\"production company\" target=\"_self\">production company</a>; there is a “primary” layer of coverage.&nbsp; Depending upon the limit of the primary general liability coverage, a production company may wish to purchase additional limits of protection: a filming location may require 10mil or more of coverage although 5mil is a common limit of coverage in Canada.</p>\n<p>This additional layer of liability coverage is called umbrella or excess coverage.</p>\n<p>Either Excess or Umbrella coverage is triggered when the primary protection’s limits have been breached, <em>i.e.,</em> the underlying policy limit is exhausted.</p>\n<p>Theoretically, an Umbrella Policy supplements its excess coverage to include miscellaneous and unidentified loss exposures that are not covered by an underlying policy. This is an advantage of an umbrella liability policy. Since there isn’t a source of primary protection for these exposures, a form of high deductible, called a <strong>self-insured retention</strong>, is applied to such losses.</p>\n<p>An Excess Policy does NOT provide broader coverage; it only serves to supplement whatever coverage exists in the primary layer.&nbsp; It’s becoming increasingly common for such coverage to be provided on a Following Form basis.&nbsp; These forms are written so that they track the coverage, exclusions, and provisions of the underlying policies.</p>\n<p>Simply stated, an Umbrella Policy will provide additional protection for your production company with different coverage that may not be in your underlying policy. An Excess Policy will further protect your production company by adding extra protection onto the limits of your underlying policy.</p>\n<p>If you seek additional coverage for your production company, be sure to pay attention to what is stated in the form. The term \"umbrella\" may be used even when the form does not provide true umbrella coverage. For additional information relating to the above, please <a href=\"/contact-us\" rel=\" noopener\">contact Front Row Insurance Brokers</a>.</p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\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=\"https://www.frontrowinsurance.com/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=\"/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><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">Crew Vehicles</a></p>\n<p>Umbrella Vs. Excess Liability</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":"<h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n<!--more--><br>\n<p><object width=\"560\" height=\"315\" classid=\"clsid:d27cdb6e-ae6d-11cf-96b8-444553540000\" codebase=\"http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0\"><param name=\"allowFullScreen\" value=\"true\"><param name=\"allowscriptaccess\" value=\"always\"><param name=\"wmode\" value=\"transparent\"><param name=\"src\" value=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\"><param name=\"allowfullscreen\" value=\"true\"><embed width=\"560\" height=\"315\" type=\"application/x-shockwave-flash\" src=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\" allowfullscreen=\"allowfullscreen\" allowscriptaccess=\"always\" wmode=\"transparent\"></object></p>\n<p>Whichever type of liability policy or policies are selected by a <a href=\"/film-production-insurance/\" title=\"production company\" target=\"_self\">production company</a>; there is a “primary” layer of coverage.&nbsp; Depending upon the limit of the primary general liability coverage, a production company may wish to purchase additional limits of protection: a filming location may require 10mil or more of coverage although 5mil is a common limit of coverage in Canada.</p>\n<p>This additional layer of liability coverage is called umbrella or excess coverage.</p>\n<p>Either Excess or Umbrella coverage is triggered when the primary protection’s limits have been breached, <em>i.e.,</em> the underlying policy limit is exhausted.</p>\n<p>Theoretically, an Umbrella Policy supplements its excess coverage to include miscellaneous and unidentified loss exposures that are not covered by an underlying policy. This is an advantage of an umbrella liability policy. Since there isn’t a source of primary protection for these exposures, a form of high deductible, called a <strong>self-insured retention</strong>, is applied to such losses.</p>\n<p>An Excess Policy does NOT provide broader coverage; it only serves to supplement whatever coverage exists in the primary layer.&nbsp; It’s becoming increasingly common for such coverage to be provided on a Following Form basis.&nbsp; These forms are written so that they track the coverage, exclusions, and provisions of the underlying policies.</p>\n<p>Simply stated, an Umbrella Policy will provide additional protection for your production company with different coverage that may not be in your underlying policy. An Excess Policy will further protect your production company by adding extra protection onto the limits of your underlying policy.</p>\n<p>If you seek additional coverage for your production company, be sure to pay attention to what is stated in the form. The term \"umbrella\" may be used even when the form does not provide true umbrella coverage. For additional information relating to the above, please <a href=\"/contact-us\" rel=\" noopener\">contact Front Row Insurance Brokers</a>.</p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\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=\"https://www.frontrowinsurance.com/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=\"/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><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">Crew Vehicles</a></p>\n<p>Umbrella Vs. Excess Liability</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":"<h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n","postFeaturedImageIfEnabled":"","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\" ><h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n<!--more--><br>\n<p><object width=\"560\" height=\"315\" classid=\"clsid:d27cdb6e-ae6d-11cf-96b8-444553540000\" codebase=\"http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0\"><param name=\"allowFullScreen\" value=\"true\"><param name=\"allowscriptaccess\" value=\"always\"><param name=\"wmode\" value=\"transparent\"><param name=\"src\" value=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\"><param name=\"allowfullscreen\" value=\"true\"><embed width=\"560\" height=\"315\" type=\"application/x-shockwave-flash\" src=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\" allowfullscreen=\"allowfullscreen\" allowscriptaccess=\"always\" wmode=\"transparent\"></object></p>\n<p>Whichever type of liability policy or policies are selected by a <a href=\"/film-production-insurance/\" title=\"production company\" target=\"_self\">production company</a>; there is a “primary” layer of coverage.&nbsp; Depending upon the limit of the primary general liability coverage, a production company may wish to purchase additional limits of protection: a filming location may require 10mil or more of coverage although 5mil is a common limit of coverage in Canada.</p>\n<p>This additional layer of liability coverage is called umbrella or excess coverage.</p>\n<p>Either Excess or Umbrella coverage is triggered when the primary protection’s limits have been breached, <em>i.e.,</em> the underlying policy limit is exhausted.</p>\n<p>Theoretically, an Umbrella Policy supplements its excess coverage to include miscellaneous and unidentified loss exposures that are not covered by an underlying policy. This is an advantage of an umbrella liability policy. Since there isn’t a source of primary protection for these exposures, a form of high deductible, called a <strong>self-insured retention</strong>, is applied to such losses.</p>\n<p>An Excess Policy does NOT provide broader coverage; it only serves to supplement whatever coverage exists in the primary layer.&nbsp; It’s becoming increasingly common for such coverage to be provided on a Following Form basis.&nbsp; These forms are written so that they track the coverage, exclusions, and provisions of the underlying policies.</p>\n<p>Simply stated, an Umbrella Policy will provide additional protection for your production company with different coverage that may not be in your underlying policy. An Excess Policy will further protect your production company by adding extra protection onto the limits of your underlying policy.</p>\n<p>If you seek additional coverage for your production company, be sure to pay attention to what is stated in the form. The term \"umbrella\" may be used even when the form does not provide true umbrella coverage. For additional information relating to the above, please <a href=\"/contact-us\" rel=\" noopener\">contact Front Row Insurance Brokers</a>.</p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\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=\"https://www.frontrowinsurance.com/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=\"/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><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">Crew Vehicles</a></p>\n<p>Umbrella Vs. Excess Liability</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":"<h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n","postRssSummaryFeaturedImage":"","postSummary":"<h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n","postSummaryRss":"<h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"WJFVTcLg","previousPostFeaturedImage":"http://cdn2.hubspot.net/hub/61352/file-862176805-jpg/images/1067343_62302481[1]-resized-600.jpg","previousPostFeaturedImageAltText":"","previousPostName":"How does Imminent Peril Insurance Coverage Protect your Production?","previousPostSlug":"articles/articles/bid/112180/how-does-imminent-peril-insurance-coverage-protect-your-production","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[],"publicAccessRulesEnabled":false,"publishDate":1357147980000,"publishDateLocalTime":1357147980000,"publishDateLocalized":{"date":1357147980000,"format":"medium","language":"en_US"},"publishImmediately":false,"publishTimezoneOffset":null,"publishedAt":1649436252341,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":"en","rssBody":"<h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n<!--more--><br>\n<p><object width=\"560\" height=\"315\" classid=\"clsid:d27cdb6e-ae6d-11cf-96b8-444553540000\" codebase=\"http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0\"><param name=\"allowFullScreen\" value=\"true\"><param name=\"allowscriptaccess\" value=\"always\"><param name=\"wmode\" value=\"transparent\"><param name=\"src\" value=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\"><param name=\"allowfullscreen\" value=\"true\"><embed width=\"560\" height=\"315\" type=\"application/x-shockwave-flash\" src=\"//www.youtube.com/v/XD-O4lmgJWk?hl=en_US&amp;version=3\" allowfullscreen=\"allowfullscreen\" allowscriptaccess=\"always\" wmode=\"transparent\"></object></p>\n<p>Whichever type of liability policy or policies are selected by a <a href=\"/film-production-insurance/\" title=\"production company\" target=\"_self\">production company</a>; there is a “primary” layer of coverage.&nbsp; Depending upon the limit of the primary general liability coverage, a production company may wish to purchase additional limits of protection: a filming location may require 10mil or more of coverage although 5mil is a common limit of coverage in Canada.</p>\n<p>This additional layer of liability coverage is called umbrella or excess coverage.</p>\n<p>Either Excess or Umbrella coverage is triggered when the primary protection’s limits have been breached, <em>i.e.,</em> the underlying policy limit is exhausted.</p>\n<p>Theoretically, an Umbrella Policy supplements its excess coverage to include miscellaneous and unidentified loss exposures that are not covered by an underlying policy. This is an advantage of an umbrella liability policy. Since there isn’t a source of primary protection for these exposures, a form of high deductible, called a <strong>self-insured retention</strong>, is applied to such losses.</p>\n<p>An Excess Policy does NOT provide broader coverage; it only serves to supplement whatever coverage exists in the primary layer.&nbsp; It’s becoming increasingly common for such coverage to be provided on a Following Form basis.&nbsp; These forms are written so that they track the coverage, exclusions, and provisions of the underlying policies.</p>\n<p>Simply stated, an Umbrella Policy will provide additional protection for your production company with different coverage that may not be in your underlying policy. An Excess Policy will further protect your production company by adding extra protection onto the limits of your underlying policy.</p>\n<p>If you seek additional coverage for your production company, be sure to pay attention to what is stated in the form. The term \"umbrella\" may be used even when the form does not provide true umbrella coverage. For additional information relating to the above, please <a href=\"/contact-us\" rel=\" noopener\">contact Front Row Insurance Brokers</a>.</p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\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=\"https://www.frontrowinsurance.com/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=\"/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><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">Crew Vehicles</a></p>\n<p>Umbrella Vs. Excess Liability</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":"<h2>Umbrella Vs. Excess Liability Insurance</h2>\n<p class=\"hs-migrated-cms-post\">A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, <a href=\"http://www.frontrowinsurance.com/Articles/bid/111329/Film-and-HD-Production-Companies-and-Watercraft-Use\" title=\"watercraft\" target=\"_self\">watercraft</a> and/or <a href=\"http://www.frontrowinsurance.com/Articles/bid/103371/Helicopter-Film-Insurance-Protect-your-production-against-a-crash\" title=\"aircraft\" target=\"_self\">aircraft</a>, they must also consider liability protection for these exposures too.</p>\n","rssSummaryFeaturedImage":"","scheduledUpdateDate":0,"screenshotPreviewTakenAt":1649436252489,"screenshotPreviewUrl":"https://cdn2.hubspot.net/hubshot/22/04/08/3b635c4e-cbd0-4809-a017-bb424137bd6d.png","sections":{},"securityState":"NONE","siteId":0,"slug":"articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production","stagedFrom":null,"state":"PUBLISHED","stateWhenDeleted":null,"styleOverrideId":null,"subcategory":"legacy_blog_post","syncedWithBlogRoot":true,"tagIds":[949708774,949708809,949708814,949708959],"tagList":[{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901715000,"deletedAt":0,"description":"","id":949708774,"label":"Film Insurance","language":"en","name":"Film Insurance","portalId":61352,"slug":"film-insurance","translatedFromId":null,"translations":{},"updated":1649863240412},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901718000,"deletedAt":0,"description":"","id":949708809,"label":"Entertainment Insurance","language":null,"name":"Entertainment Insurance","portalId":61352,"slug":"entertainment-insurance","translatedFromId":null,"translations":{},"updated":1401901718001},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901719000,"deletedAt":0,"description":"","id":949708814,"label":"Film insurance broker","language":"en","name":"Film insurance broker","portalId":61352,"slug":"film-insurance-broker","translatedFromId":null,"translations":{},"updated":1649863451156},{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901736000,"deletedAt":0,"description":"","id":949708959,"label":"Film Insurance claims","language":"en","name":"Film Insurance claims","portalId":61352,"slug":"film-insurance-claims","translatedFromId":null,"translations":{},"updated":1649863497991}],"tagNames":["Film Insurance","Entertainment Insurance","Film insurance broker","Film Insurance claims"],"teamPerms":[],"templatePath":"","templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","themePath":null,"themeSettingsValues":null,"title":"Umbrella Vs. 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Umbrella Vs. Excess Liability Insurance Coverage for Film Production

Umbrella Vs. Excess Liability Insurance

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


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

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

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

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

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

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

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

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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