{"portalId":61352,"siteId":0,"id":949439569,"slug":"articles/articles/bid/24987/film-production-insurance-why-it-is-needed","contentTypeId":null,"contentGroupId":952267656,"campaign":null,"categoryId":3,"state":"PUBLISHED","publishDate":1636055300000,"created":1263232071000,"updated":1649895321402,"templatePath":"","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\" >Film Production Insurance: Why it is Needed.</span>","mabExperimentId":null,"archived":false,"authorName":null,"deletedAt":0,"freezeDate":1636055300000,"processingStatus":"PUBLISHED","previewKey":"Yp6r7qfm","abTestId":null,"createdById":null,"updatedById":598790,"domain":"","resolvedDomain":"www.frontrowinsurance.com","legacyId":24987,"performableGuid":"","isDraft":false,"subcategory":"legacy_blog_post","abStatus":null,"blueprintTypeId":0,"folderId":null,"analyticsPageId":"137640-24987","flexAreas":{},"widgetContainers":{"Sidebar_Modules":{"widgets":[{"css":{},"child_css":{},"type":"blog_subscribe","order":0,"label":"Blog Email Subscription","id":1489094847823,"body":{"overrideable":false,"response_message":"Thanks for Subscribing!","select_blog":"default","title":"Subscribe to Email Updates"},"deleted_at":1562079465413}],"deleted_at":1562079465413}},"widgets":{"blog_sidebar":{"body":{"module_id":66639899033,"popular_posts":{"show_popular_posts":true}},"css":{},"child_css":{},"id":"blog_sidebar","name":"blog_sidebar","type":"module","order":8,"label":null,"smart_type":null,"styles":{},"module_id":66639899033},"name":{"body":{"title":"Film Production Insurance: Why it is Needed."},"id":"name","name":"name","type":"text","label":"Title"},"module_156398965931111":{"body":{"path":"/Marketplace/HubSpot/Team_Member/Team Member","widget_name":"Team Member","definition_id":null,"wrapping_html":"","module_id":8696351,"per_widget_wrapper_html":"","smart_type":"NOT_SMART","type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_156398965931111","name":"module_156398965931111","type":"module","order":9,"label":"Team Member","smart_type":null,"styles":{},"module_id":8696351,"deleted_at":1648846273607},"module_15960847531069":{"body":{"wrap_field_tag":"div","path":"/Coded files/Custom/blog/FrontRow2014/Blog Subscribe New Module 2020","definition_id":null,"module_id":33051772119,"smart_type":"NOT_SMART","field_types":{"add_form":"form","add_form_title":"text","enable_form":"boolean"},"type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_15960847531069","name":"module_15960847531069","type":"module","order":4,"label":"Blog Subscribe New Module 2020","smart_type":null,"styles":{},"module_id":33051772119,"deleted_at":1648846273607},"module_15965216980304":{"body":{"wrap_field_tag":"div","path":"/Coded files/Custom/blog/FrontRow2014/Basic Rich Text Box for Blog","definition_id":null,"module_id":33156769794,"smart_type":"NOT_SMART","field_types":{"add_content":"richtext","enable_rich_text_module":"boolean"},"type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_15965216980304","name":"module_15965216980304","type":"module","order":5,"label":"Basic Rich Text Box for Blog","smart_type":null,"styles":{},"module_id":33156769794,"deleted_at":1648846273607},"post_body":{"body":{"html":"<div class=\"hs-migrated-cms-post\">\n<h1>Film Production Insurance: Why it is needed.</h1>\n<p style=\"text-align: right;\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/FILM-PRODUCTION-INSURANCE_-WHY-IT-IS-NEEDED-forweb600.jpg\" alt=\"Film Production Insurance: Why it is needed.\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"><em><strong>photo credit</strong>: Unsplash</em></p>\n<p>Production insurance is vital to financing your project. Why is insurance needed for your production? Three basic reasons are:&nbsp; legal, contractual and property protection.</p>\n<h2>LEGAL REASON</h2>\n<p>As for legal reasons, nearly every&nbsp; location and financier requires that a production company/filmmaker carry some form of insurance. A good example of this is the need for general liability insurance to cover property damage and and bodily injury to third parties. A building owner will want to be protected for any damage caused to the location. The building owner would also want to be protected from any lawsuits brought forth from a passerby that tripped on electrical cables or from injuries sustained by gear that falls off a roof.</p>\n<h2>CONTRACTUAL REASON</h2>\n<p>The contractual reason is simple. If you are under contract with a broadcaster or distributor, most likely the contract will require you to have insurance coverage before you can access your payment draw-downs.</p>\n<h2>PROPERTY REASON</h2>\n<p>The property protection covers you against damage and loss to assets like production equipment that you are contractually responsible for as set out in your rental agreement with the rental company.&nbsp;</p>\n<h2>TYPES OF FILM POLICIES</h2>\n<p>The type of policy you need depends on the type of&nbsp;project you plan to make.&nbsp;If you are making a short music video, the type of policy you want will differ from a filmmaker who aims to make a feature film. There are basically three types: short-term, annual DICE Insurance and annual.</p>\n<ul>\n<li><a href=\"/short-term-production-insurance?\" rel=\" noopener\">Short-term policies</a> are used for single production, such as a commercial.</li>\n<li><a href=\"/annual-dice-producers-insurance-policy\" rel=\" noopener\">A&nbsp;DICE Insurance Policy</a> is used for several projects during a year period. DICE stands for Documentaries, Industrial Films, Commercials and Educational Films.</li>\n</ul>\n<p>Try to give your broker three to five days to arrange the coverage for you: this will ensure your broker has enough time to obtain the best price and coverage available in the marketplace.</p>\n<p>The three policies you need to consider for any film production are:</p>\n<h3>General Liability Insurance</h3>\n<p><a href=\"/articles/commercial-general-liability \" rel=\" noopener\">CGL covers</a> against damage to the filming location/space, and injury or harm to those present that are not working on the film.</p>\n<h3>Equipment Insurance</h3>\n<p><a href=\"/equipment-insurance-switchboard?\" rel=\" noopener\">Equipment insurance</a> covers any and all film equipment used in your filmmaking process and production. This policy will cover loss, damage, theft, etc. to your rented or owned equipment.</p>\n<h3>Errors and Omissions Insurance</h3>\n<p>This type of insurance protects against lawsuits alleging unauthorized usage of titles, copyrighted materials, ideas, formats, characters, plots, plagiarism, unfair competition, defamation and invasion of privacy. <a href=\"/sectors/e-o-insurance?\" rel=\" noopener\">E&amp;O insurance</a> requires the counsel of an entertainment lawyer who will review your script, clearances and releases.</p>\n<p>&nbsp;</p>\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>Film Production Insurance: Why it is needed</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=\"/articles/articles/bid/191495/obtaining-insurance-for-your-short-film \" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"/articles/digigear-insure-coverage \" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained \" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"/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=\"/articles/third-party-property-damage-liability \" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles \" rel=\" noopener\">Crew Vehicles</a></p>\n<p><a href=\"/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=\"/articles/commercial-general-liability \" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"/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=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense \" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"/articles/foreign-locations \" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops \" rel=\" noopener\">Claims</a></p>\n</div>"},"id":"post_body","name":"post_body","type":"rich_text","label":"Blog Content","deleted_at":1615409566570},"menu_header_sector_categories":{"css":{},"child_css":{},"name":"menu_header_sector_categories","type":"menu","label":"Menu Header Sector Categories","smart_type":null,"id":"menu_header_sector_categories","body":{"root_key":"None","root_type":"site_root","site_map_name":"Sector Categories","max_levels":2,"tag":"menu","type":"menu","flow":"horizontal"},"deleted_at":1562079465413},"menu_header_all_sectors":{"css":{},"child_css":{},"name":"menu_header_all_sectors","type":"menu","label":"Menu Header All Sectors","smart_type":null,"id":"menu_header_all_sectors","body":{"root_key":"None","root_type":"site_root","site_map_name":"All 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Hamilton","bio":"","website":"","twitter":"","facebook":"","linkedin":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/e5f627d6f4fb7738af400df9b2f0d390","twitterUsername":"","hasSocialProfiles":false,"displayName":"David Hamilton","cdnPurgeEmbargoTime":null},"tagIds":[949708704,949708774,949708814,949708924,949709434,949709454,949709884,956558885,5338428651],"topicIds":[949708704,949708774,949708814,949708924,949709434,949709454,949709884,956558885,5338428651],"topicList":[{"id":949708704,"portalId":61352,"name":"Film equipment insurance","slug":"film-equipment-insurance","description":"","created":1401901708000,"updated":1401901708001,"deletedAt":0,"categoryId":0,"contentIds":[],"language":null,"translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Film equipment insurance","cdnPurgeEmbargoTime":null},{"id":949708774,"portalId":61352,"name":"Film 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Insurance","slug":"dice-insurance","description":"","created":1401901815000,"updated":1649857194904,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"DICE Insurance","cdnPurgeEmbargoTime":null},{"id":956558885,"portalId":61352,"name":"Industrial Films","slug":"industrial-films","description":"","created":1401901954000,"updated":1401901954001,"deletedAt":0,"categoryId":0,"contentIds":[],"language":null,"translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Industrial Films","cdnPurgeEmbargoTime":null},{"id":5338428651,"portalId":61352,"name":"Educational Film Insurance","slug":"educational-film-insurance","description":"","created":1505340763140,"updated":1505340763141,"deletedAt":0,"categoryId":0,"contentIds":[],"language":null,"translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Educational Film Insurance","cdnPurgeEmbargoTime":null}],"tagNames":["Film equipment insurance","Film Insurance","Film insurance broker","Film Producer's E&O Insurance","Commercial Production Insurance","Documentary Insurance","DICE Insurance","Industrial Films","Educational Film Insurance"],"topicNames":["Film equipment insurance","Film Insurance","Film insurance broker","Film Producer's E&O Insurance","Commercial Production Insurance","Documentary Insurance","DICE Insurance","Industrial Films","Educational Film Insurance"],"areCommentsAllowed":true,"isCaptchaRequired":true,"syncedWithBlogRoot":true,"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"compositionId":0,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1636055300000},"postTemplate":"prox_frontrow/templates/blog/blog-post.html","listTemplate":"prox_frontrow/templates/blog/blog-listing.html","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\" ><div class=\"hs-migrated-cms-post\">\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe></div>\n</div>\n<!--more-->\n<p><br>Production insurance is a vital part of any production. All productions should be insured to protect the producers from financial disaster resulting from property damage or liability arising from the production or <a href=\"/post-production-studios\" rel=\"noopener\">post-production</a> process. Even if the producer is willing to assume these risks, they will still need insurance for the following reasons:</p>\n<h2>CONTRACTUAL REQUIREMENTS</h2>\n<p>The contractual reason is simple. If you are under contract with a broadcaster, financier or distributor, most likely the contract will require you to have insurance coverage before you can access your first draw-down.</p>\n<h2>ACCESS TO LOCATIONS</h2>\n<p>In order to get filming permits from municipalities, provinces or the federal government, you will be required to provide evidence of <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> Insurance. You will also normally be required to provide evidence of Commercial General Liability insurance to all privately owned locations that you require access to for filming.</p>\n<h2>RENTING PROPERTY</h2>\n<p>In order to rent production Equipment or <a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\"noopener\">Props/Sets/Wardrobe</a> you will normally be required to provide evidence of your property insurance. This is a standard requirement in most rental agreements.</p>\n<h2>TYPES OF PRODUCTION POLICIES</h2>\n<p>The type and scope of insurance coverage you need depends on the type of project you plan to make. If you are making a short music video, the type of policy you want will differ from a filmmaker who aims to make a feature film. There are basically three policy types: Annual, Short-Term project specific and Long-Term project specific policies</p>\n<p><a href=\"/short-term-production-insurance\" rel=\"noopener\">Short-term</a>, project specific policies are purchased for lower budget, shorter term projects such as a commercial or music video.</p>\n<p>Long-term, project specific policies are purchased for larger budget productions, with longer production and post-production periods such as <a href=\"/film-production-insurance\" rel=\"noopener\">Features or Television Series</a>.</p>\n<p><a href=\"/annual-dice-producers-insurance-policy\" rel=\"noopener\">A DICE Insurance Policy</a> is an annual policy used to insure more than one project during the course of a year. DICE stands for Documentaries, Industrials, Commercials and Educational Films. In addition to these types of productions, a DICE policy would also insure projects such as music videos, short films, public service announcements, <span style=\"font-style: italic;\">etc.</span></p>\n<p>Try to give your broker three to five days to arrange the coverage for you: this will ensure your broker has enough time to obtain the best price and coverage available in the marketplace.</p>\n<p>At a minimum, the three policies you need to consider for any film production are:</p>\n<h2>GENERAL LIABILITY INSURANCE</h2>\n<p><a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> (CGL) insurance is designed to protect the production company against sums that they may become legally obligated to pay as compensatory damages for bodily injury or property damage to third parties arising out of the production company's operations. It includes the cost of a lawyer to defend you.</p>\n<h2>EQUIPMENT INSURANCE</h2>\n<p><a href=\"/articles/digigear-insure-coverage\" rel=\"noopener\">Equipment insurance</a> covers production or post-production equipment used in relation to the creation of your production. This policy will cover loss, damage, theft, <em>etc.</em> to your rented or owned equipment.</p>\n<h2>ERRORS AND OMISSIONS INSURANCE</h2>\n<p><span style=\"font-size: 18px;\"><a href=\"/sectors/e-o-insurance\" rel=\"noopener\">Producer's E&amp;O insurance</a> protects against lawsuits alleging unauthorized usage of titles, copyrighted materials, ideas, formats, characters, plots, <a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">plagiarism</a>, unfair competition, <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation </a>and invasion of privacy. E&amp;O insurance requires the counsel of an entertainment lawyer who will review your script, clearances and releases.</span></p>\n<p>&nbsp;</p>\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>Film Production Insurance: Why it is needed</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=\"/articles/articles/bid/191495/obtaining-insurance-for-your-short-film \" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"/articles/digigear-insure-coverage \" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained \" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"/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=\"/articles/third-party-property-damage-liability \" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles \" rel=\" noopener\">Crew Vehicles</a></p>\n<p><a href=\"/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=\"/articles/commercial-general-liability \" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"/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=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense \" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"/articles/foreign-locations \" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops \" rel=\" noopener\">Claims</a></p>\n</div></span>","postSummary":"<div class=\"hs-migrated-cms-post\">\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe></div>\n</div>\n</div>","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":0,"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\" ><div class=\"hs-migrated-cms-post\">\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe></div>\n</div>\n<!--more-->\n<p><br>Production insurance is a vital part of any production. All productions should be insured to protect the producers from financial disaster resulting from property damage or liability arising from the production or <a href=\"/post-production-studios\" rel=\"noopener\">post-production</a> process. Even if the producer is willing to assume these risks, they will still need insurance for the following reasons:</p>\n<h2>CONTRACTUAL REQUIREMENTS</h2>\n<p>The contractual reason is simple. If you are under contract with a broadcaster, financier or distributor, most likely the contract will require you to have insurance coverage before you can access your first draw-down.</p>\n<h2>ACCESS TO LOCATIONS</h2>\n<p>In order to get filming permits from municipalities, provinces or the federal government, you will be required to provide evidence of <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> Insurance. You will also normally be required to provide evidence of Commercial General Liability insurance to all privately owned locations that you require access to for filming.</p>\n<h2>RENTING PROPERTY</h2>\n<p>In order to rent production Equipment or <a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\"noopener\">Props/Sets/Wardrobe</a> you will normally be required to provide evidence of your property insurance. This is a standard requirement in most rental agreements.</p>\n<h2>TYPES OF PRODUCTION POLICIES</h2>\n<p>The type and scope of insurance coverage you need depends on the type of project you plan to make. If you are making a short music video, the type of policy you want will differ from a filmmaker who aims to make a feature film. There are basically three policy types: Annual, Short-Term project specific and Long-Term project specific policies</p>\n<p><a href=\"/short-term-production-insurance\" rel=\"noopener\">Short-term</a>, project specific policies are purchased for lower budget, shorter term projects such as a commercial or music video.</p>\n<p>Long-term, project specific policies are purchased for larger budget productions, with longer production and post-production periods such as <a href=\"/film-production-insurance\" rel=\"noopener\">Features or Television Series</a>.</p>\n<p><a href=\"/annual-dice-producers-insurance-policy\" rel=\"noopener\">A DICE Insurance Policy</a> is an annual policy used to insure more than one project during the course of a year. DICE stands for Documentaries, Industrials, Commercials and Educational Films. In addition to these types of productions, a DICE policy would also insure projects such as music videos, short films, public service announcements, <span style=\"font-style: italic;\">etc.</span></p>\n<p>Try to give your broker three to five days to arrange the coverage for you: this will ensure your broker has enough time to obtain the best price and coverage available in the marketplace.</p>\n<p>At a minimum, the three policies you need to consider for any film production are:</p>\n<h2>GENERAL LIABILITY INSURANCE</h2>\n<p><a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> (CGL) insurance is designed to protect the production company against sums that they may become legally obligated to pay as compensatory damages for bodily injury or property damage to third parties arising out of the production company's operations. It includes the cost of a lawyer to defend you.</p>\n<h2>EQUIPMENT INSURANCE</h2>\n<p><a href=\"/articles/digigear-insure-coverage\" rel=\"noopener\">Equipment insurance</a> covers production or post-production equipment used in relation to the creation of your production. This policy will cover loss, damage, theft, <em>etc.</em> to your rented or owned equipment.</p>\n<h2>ERRORS AND OMISSIONS INSURANCE</h2>\n<p><span style=\"font-size: 18px;\"><a href=\"/sectors/e-o-insurance\" rel=\"noopener\">Producer's E&amp;O insurance</a> protects against lawsuits alleging unauthorized usage of titles, copyrighted materials, ideas, formats, characters, plots, <a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">plagiarism</a>, unfair competition, <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation </a>and invasion of privacy. E&amp;O insurance requires the counsel of an entertainment lawyer who will review your script, clearances and releases.</span></p>\n<p>&nbsp;</p>\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>Film Production Insurance: Why it is needed</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=\"/articles/articles/bid/191495/obtaining-insurance-for-your-short-film \" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"/articles/digigear-insure-coverage \" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained \" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"/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=\"/articles/third-party-property-damage-liability \" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles \" rel=\" noopener\">Crew Vehicles</a></p>\n<p><a href=\"/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=\"/articles/commercial-general-liability \" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"/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=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense \" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"/articles/foreign-locations \" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops \" rel=\" noopener\">Claims</a></p>\n</div></span>","postEmailContent":"<div class=\"hs-migrated-cms-post\"> \n <div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe>\n </div> \n </div> \n</div>","postSummaryRss":"<div class=\"hs-migrated-cms-post\"> \n <div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe>\n </div> \n </div> \n</div>","postBodyRss":"<div class=\"hs-migrated-cms-post\">\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe></div>\n</div>\n<!--more-->\n<p><br>Production insurance is a vital part of any production. All productions should be insured to protect the producers from financial disaster resulting from property damage or liability arising from the production or <a href=\"/post-production-studios\" rel=\"noopener\">post-production</a> process. Even if the producer is willing to assume these risks, they will still need insurance for the following reasons:</p>\n<h2>CONTRACTUAL REQUIREMENTS</h2>\n<p>The contractual reason is simple. If you are under contract with a broadcaster, financier or distributor, most likely the contract will require you to have insurance coverage before you can access your first draw-down.</p>\n<h2>ACCESS TO LOCATIONS</h2>\n<p>In order to get filming permits from municipalities, provinces or the federal government, you will be required to provide evidence of <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> Insurance. You will also normally be required to provide evidence of Commercial General Liability insurance to all privately owned locations that you require access to for filming.</p>\n<h2>RENTING PROPERTY</h2>\n<p>In order to rent production Equipment or <a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\"noopener\">Props/Sets/Wardrobe</a> you will normally be required to provide evidence of your property insurance. This is a standard requirement in most rental agreements.</p>\n<h2>TYPES OF PRODUCTION POLICIES</h2>\n<p>The type and scope of insurance coverage you need depends on the type of project you plan to make. If you are making a short music video, the type of policy you want will differ from a filmmaker who aims to make a feature film. There are basically three policy types: Annual, Short-Term project specific and Long-Term project specific policies</p>\n<p><a href=\"/short-term-production-insurance\" rel=\"noopener\">Short-term</a>, project specific policies are purchased for lower budget, shorter term projects such as a commercial or music video.</p>\n<p>Long-term, project specific policies are purchased for larger budget productions, with longer production and post-production periods such as <a href=\"/film-production-insurance\" rel=\"noopener\">Features or Television Series</a>.</p>\n<p><a href=\"/annual-dice-producers-insurance-policy\" rel=\"noopener\">A DICE Insurance Policy</a> is an annual policy used to insure more than one project during the course of a year. DICE stands for Documentaries, Industrials, Commercials and Educational Films. In addition to these types of productions, a DICE policy would also insure projects such as music videos, short films, public service announcements, <span style=\"font-style: italic;\">etc.</span></p>\n<p>Try to give your broker three to five days to arrange the coverage for you: this will ensure your broker has enough time to obtain the best price and coverage available in the marketplace.</p>\n<p>At a minimum, the three policies you need to consider for any film production are:</p>\n<h2>GENERAL LIABILITY INSURANCE</h2>\n<p><a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> (CGL) insurance is designed to protect the production company against sums that they may become legally obligated to pay as compensatory damages for bodily injury or property damage to third parties arising out of the production company's operations. It includes the cost of a lawyer to defend you.</p>\n<h2>EQUIPMENT INSURANCE</h2>\n<p><a href=\"/articles/digigear-insure-coverage\" rel=\"noopener\">Equipment insurance</a> covers production or post-production equipment used in relation to the creation of your production. This policy will cover loss, damage, theft, <em>etc.</em> to your rented or owned equipment.</p>\n<h2>ERRORS AND OMISSIONS INSURANCE</h2>\n<p><span style=\"font-size: 18px;\"><a href=\"/sectors/e-o-insurance\" rel=\"noopener\">Producer's E&amp;O insurance</a> protects against lawsuits alleging unauthorized usage of titles, copyrighted materials, ideas, formats, characters, plots, <a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">plagiarism</a>, unfair competition, <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation </a>and invasion of privacy. E&amp;O insurance requires the counsel of an entertainment lawyer who will review your script, clearances and releases.</span></p>\n<p>&nbsp;</p>\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>Film Production Insurance: Why it is needed</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=\"/articles/articles/bid/191495/obtaining-insurance-for-your-short-film \" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"/articles/digigear-insure-coverage \" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained \" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"/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=\"/articles/third-party-property-damage-liability \" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles \" rel=\" noopener\">Crew Vehicles</a></p>\n<p><a href=\"/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=\"/articles/commercial-general-liability \" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"/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=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense \" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"/articles/foreign-locations \" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops \" rel=\" noopener\">Claims</a></p>\n</div>","postRssContent":"<div class=\"hs-migrated-cms-post\"> \n <div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe>\n </div> \n </div> \n</div>","rssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Why%20film%20insurance/FILM-PRODUCTION-INSURANCE_-WHY-IT-IS-NEEDED-SQ2-forweb.jpg","rssBody":"<div class=\"hs-migrated-cms-post\">\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe></div>\n</div>\n<!--more-->\n<p><br>Production insurance is a vital part of any production. All productions should be insured to protect the producers from financial disaster resulting from property damage or liability arising from the production or <a href=\"/post-production-studios\" rel=\"noopener\">post-production</a> process. Even if the producer is willing to assume these risks, they will still need insurance for the following reasons:</p>\n<h2>CONTRACTUAL REQUIREMENTS</h2>\n<p>The contractual reason is simple. If you are under contract with a broadcaster, financier or distributor, most likely the contract will require you to have insurance coverage before you can access your first draw-down.</p>\n<h2>ACCESS TO LOCATIONS</h2>\n<p>In order to get filming permits from municipalities, provinces or the federal government, you will be required to provide evidence of <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> Insurance. You will also normally be required to provide evidence of Commercial General Liability insurance to all privately owned locations that you require access to for filming.</p>\n<h2>RENTING PROPERTY</h2>\n<p>In order to rent production Equipment or <a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\"noopener\">Props/Sets/Wardrobe</a> you will normally be required to provide evidence of your property insurance. This is a standard requirement in most rental agreements.</p>\n<h2>TYPES OF PRODUCTION POLICIES</h2>\n<p>The type and scope of insurance coverage you need depends on the type of project you plan to make. If you are making a short music video, the type of policy you want will differ from a filmmaker who aims to make a feature film. There are basically three policy types: Annual, Short-Term project specific and Long-Term project specific policies</p>\n<p><a href=\"/short-term-production-insurance\" rel=\"noopener\">Short-term</a>, project specific policies are purchased for lower budget, shorter term projects such as a commercial or music video.</p>\n<p>Long-term, project specific policies are purchased for larger budget productions, with longer production and post-production periods such as <a href=\"/film-production-insurance\" rel=\"noopener\">Features or Television Series</a>.</p>\n<p><a href=\"/annual-dice-producers-insurance-policy\" rel=\"noopener\">A DICE Insurance Policy</a> is an annual policy used to insure more than one project during the course of a year. DICE stands for Documentaries, Industrials, Commercials and Educational Films. In addition to these types of productions, a DICE policy would also insure projects such as music videos, short films, public service announcements, <span style=\"font-style: italic;\">etc.</span></p>\n<p>Try to give your broker three to five days to arrange the coverage for you: this will ensure your broker has enough time to obtain the best price and coverage available in the marketplace.</p>\n<p>At a minimum, the three policies you need to consider for any film production are:</p>\n<h2>GENERAL LIABILITY INSURANCE</h2>\n<p><a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> (CGL) insurance is designed to protect the production company against sums that they may become legally obligated to pay as compensatory damages for bodily injury or property damage to third parties arising out of the production company's operations. It includes the cost of a lawyer to defend you.</p>\n<h2>EQUIPMENT INSURANCE</h2>\n<p><a href=\"/articles/digigear-insure-coverage\" rel=\"noopener\">Equipment insurance</a> covers production or post-production equipment used in relation to the creation of your production. This policy will cover loss, damage, theft, <em>etc.</em> to your rented or owned equipment.</p>\n<h2>ERRORS AND OMISSIONS INSURANCE</h2>\n<p><span style=\"font-size: 18px;\"><a href=\"/sectors/e-o-insurance\" rel=\"noopener\">Producer's E&amp;O insurance</a> protects against lawsuits alleging unauthorized usage of titles, copyrighted materials, ideas, formats, characters, plots, <a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">plagiarism</a>, unfair competition, <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation </a>and invasion of privacy. E&amp;O insurance requires the counsel of an entertainment lawyer who will review your script, clearances and releases.</span></p>\n<p>&nbsp;</p>\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>Film Production Insurance: Why it is needed</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=\"/articles/articles/bid/191495/obtaining-insurance-for-your-short-film \" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"/articles/digigear-insure-coverage \" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained \" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"/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=\"/articles/third-party-property-damage-liability \" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles \" rel=\" noopener\">Crew Vehicles</a></p>\n<p><a href=\"/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=\"/articles/commercial-general-liability \" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"/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=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense \" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"/articles/foreign-locations \" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops \" rel=\" noopener\">Claims</a></p>\n</div>","rssSummary":"<div class=\"hs-migrated-cms-post\">\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe></div>\n</div>\n</div>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Why%20film%20insurance/FILM-PRODUCTION-INSURANCE_-WHY-IT-IS-NEEDED-SQ2-forweb.jpg","postListSummaryFeaturedImage":"","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Why%20film%20insurance/FILM-PRODUCTION-INSURANCE_-WHY-IT-IS-NEEDED-SQ2-forweb.jpg","keywords":[],"isInstantEmailEnabled":true,"url":"https://www.frontrowinsurance.com/articles/articles/bid/24987/film-production-insurance-why-it-is-needed","header":null,"password":null,"publishedAt":1649895321396,"abVariation":false,"abVariationAutomated":false,"mab":false,"mabMaster":false,"mabVariant":false,"publishDateLocalTime":1636055300000,"linkRelCanonicalUrl":"","publishedUrl":"https://www.frontrowinsurance.com/articles/articles/bid/24987/film-production-insurance-why-it-is-needed","pageRedirected":false,"pageExpiryEnabled":null,"pageExpiryDate":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"translatedContent":{"fr":{"id":2485785784,"language":"fr","masterId":949439569,"name":"Assurance de production: Pourquoi est-ce nécessaire ?","previewKey":"8f2zfQ_U","slug":"fr/blogue/assurance-de-production-cinématographique-pourquoi-est-ce-nécessaire","published":true,"state":"PUBLISHED","currentState":"PUBLISHED","created":1423682932000,"updated":1649889797768,"publishDate":1263230880000,"resolvedDomain":"www.frontrowinsurance.com","absoluteUrl":"https://www.frontrowinsurance.com/fr/blogue/assurance-de-production-cinématographique-pourquoi-est-ce-nécessaire","authorName":null,"archived":false,"password":null,"publicAccessRulesEnabled":false,"publicAccessRules":[],"securityState":"NONE","ab":false,"mab":false,"campaign":"","teamPerms":[],"htmlTitle":"Assurance de production: Pourquoi est-ce nécessaire ?","businessUnitId":0,"tagIds":[5462512465],"themePath":null,"archivedInDashboard":false}},"deletedBy":null,"stateWhenDeleted":null,"clonedFrom":null,"stagedFrom":null,"personas":[],"composeBody":null,"featuredImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Why%20film%20insurance/FILM-PRODUCTION-INSURANCE_-WHY-IT-IS-NEEDED-SQ2-forweb.jpg","featuredImageAltText":"Film Production Insurance: Why it is Needed.","featuredImageWidth":1080,"featuredImageHeight":1080,"publishTimezoneOffset":null,"layoutSections":{},"themeSettingsValues":null,"propertyForDynamicPageCanonicalUrl":null,"previewImageSrc":null,"legacyBlogTabid":137640,"legacyPostGuid":"5f3caa24-f15b-463f-9401-6579e8cf6946","performableVariationLetter":null,"styleOverrideId":null,"hasUserChanges":true,"css":{},"cssText":"","createdTime":1263232071000,"unpublishedAt":1636055248423,"pastMabExperimentIds":[],"archivedInDashboard":false,"authorUsername":null,"publishedById":598790,"allowedSlugConflict":false,"analyticsPageType":"blog-post","ab":false,"publicAccessRulesEnabled":false,"publicAccessRules":[],"metaDescription":"Production insurance is vital to financing your film project. Why is insurance needed for your production? Three basic reasons outlined in this article.","metaKeywords":"Film Production Insurance, DICE Insurance, D.I.C.E. Insurance, Industrial Films, Commercials, Educational Films, Annual Film Insuruance, Documentary Insurance, E&O insurance for Films, Errors and Omissions coverage for films, Film Insurance, Film Production Equipment, Film Production Insurance, Film insurance broker, Producers Errors & Omissions Liability Insurance, Commercial Production Insurance,film production,industrial,equipment insurance,production insurance","enableLayoutStylesheets":null,"tweet":null,"tweetAt":null,"campaignName":null,"campaignUtm":null,"tweetImmediately":false,"publishImmediately":true,"securityState":"NONE","scheduledUpdateDate":0,"placementGuids":[],"propertyForDynamicPageTitle":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageFeaturedImage":null,"title":"Film Production Insurance: Why it is Needed.","headHtml":"<!-- START - Generated by ClassySchema.org on Thu, 04 Nov 2021 19:42:52 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"https://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"FILM PRODUCTION INSURANCE: WHY IT IS NEEDED.\",\n\t\"description\": \"Production insurance is a vital part of any production. 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Insurance, Industrial Films, Commercials, Educational Films, Annual Film Insuruance, Documentary Insurance, E&O insurance for Films, Errors and Omissions coverage for films, Film Insurance, Film Production Equipment, Film Production Insurance, Film insurance broker, Producers Errors & Omissions Liability Insurance, Commercial Production Insurance,film production,industrial,equipment insurance,production insurance","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/Why%20film%20insurance/FILM-PRODUCTION-INSURANCE_-WHY-IT-IS-NEEDED-SQ2-forweb.jpg","page_redirected":null,"campaign_name":null,"post_summary":"<div class=\"hs-migrated-cms-post\">\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe></div>\n</div>\n</div>","has_user_changes":true,"attached_stylesheets":[],"unpublished_at":1636055248423,"author_email":"nedia@frontrowinsurance.com","topic_ids":[949708704,949708774,949708814,949708924,949709434,949709454,949709884,956558885,5338428651],"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":"Production insurance is vital to financing your film project. Why is insurance needed for your production? Three basic reasons outlined in this article.","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":"<div class=\"hs-migrated-cms-post\">\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe></div>\n</div>\n</div>","legacy_blog_tabid":137640,"cloned_from":null,"head_html":"<!-- START - Generated by ClassySchema.org on Thu, 04 Nov 2021 19:42:52 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"https://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"FILM PRODUCTION INSURANCE: WHY IT IS NEEDED.\",\n\t\"description\": \"Production insurance is a vital part of any production. All productions should be insured to protect the producers from financial disaster resulting from pro...\",\n\t\"thumbnailUrl\": \"https://i.ytimg.com/vi/vB5q6StA4YE/mqdefault.jpg\",\n\t\"duration\": \"PT3M51S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=vB5q6StA4YE\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/vB5q6StA4YE\",\n\t\"uploadDate\": \"2021-11-04\",\n\t\"potentialAction\": {\n\t\t\"@type\": \"SeekToAction\",\n\t\t\"target\": \"https://youtu.be/vB5q6StA4YE?t={seek_to_second_number}\",\n\t\t\"startOffset-input\": \"required name=seek_to_second_number\"\n\t}\n}\n</script>\n<!-- END - Generated by ClassySchema.org-->","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\" ><div class=\"hs-migrated-cms-post\">\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe></div>\n</div>\n<!--more-->\n<p><br>Production insurance is a vital part of any production. All productions should be insured to protect the producers from financial disaster resulting from property damage or liability arising from the production or <a href=\"/post-production-studios\" rel=\"noopener\">post-production</a> process. Even if the producer is willing to assume these risks, they will still need insurance for the following reasons:</p>\n<h2>CONTRACTUAL REQUIREMENTS</h2>\n<p>The contractual reason is simple. If you are under contract with a broadcaster, financier or distributor, most likely the contract will require you to have insurance coverage before you can access your first draw-down.</p>\n<h2>ACCESS TO LOCATIONS</h2>\n<p>In order to get filming permits from municipalities, provinces or the federal government, you will be required to provide evidence of <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> Insurance. You will also normally be required to provide evidence of Commercial General Liability insurance to all privately owned locations that you require access to for filming.</p>\n<h2>RENTING PROPERTY</h2>\n<p>In order to rent production Equipment or <a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\"noopener\">Props/Sets/Wardrobe</a> you will normally be required to provide evidence of your property insurance. This is a standard requirement in most rental agreements.</p>\n<h2>TYPES OF PRODUCTION POLICIES</h2>\n<p>The type and scope of insurance coverage you need depends on the type of project you plan to make. If you are making a short music video, the type of policy you want will differ from a filmmaker who aims to make a feature film. There are basically three policy types: Annual, Short-Term project specific and Long-Term project specific policies</p>\n<p><a href=\"/short-term-production-insurance\" rel=\"noopener\">Short-term</a>, project specific policies are purchased for lower budget, shorter term projects such as a commercial or music video.</p>\n<p>Long-term, project specific policies are purchased for larger budget productions, with longer production and post-production periods such as <a href=\"/film-production-insurance\" rel=\"noopener\">Features or Television Series</a>.</p>\n<p><a href=\"/annual-dice-producers-insurance-policy\" rel=\"noopener\">A DICE Insurance Policy</a> is an annual policy used to insure more than one project during the course of a year. DICE stands for Documentaries, Industrials, Commercials and Educational Films. In addition to these types of productions, a DICE policy would also insure projects such as music videos, short films, public service announcements, <span style=\"font-style: italic;\">etc.</span></p>\n<p>Try to give your broker three to five days to arrange the coverage for you: this will ensure your broker has enough time to obtain the best price and coverage available in the marketplace.</p>\n<p>At a minimum, the three policies you need to consider for any film production are:</p>\n<h2>GENERAL LIABILITY INSURANCE</h2>\n<p><a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> (CGL) insurance is designed to protect the production company against sums that they may become legally obligated to pay as compensatory damages for bodily injury or property damage to third parties arising out of the production company's operations. It includes the cost of a lawyer to defend you.</p>\n<h2>EQUIPMENT INSURANCE</h2>\n<p><a href=\"/articles/digigear-insure-coverage\" rel=\"noopener\">Equipment insurance</a> covers production or post-production equipment used in relation to the creation of your production. This policy will cover loss, damage, theft, <em>etc.</em> to your rented or owned equipment.</p>\n<h2>ERRORS AND OMISSIONS INSURANCE</h2>\n<p><span style=\"font-size: 18px;\"><a href=\"/sectors/e-o-insurance\" rel=\"noopener\">Producer's E&amp;O insurance</a> protects against lawsuits alleging unauthorized usage of titles, copyrighted materials, ideas, formats, characters, plots, <a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">plagiarism</a>, unfair competition, <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation </a>and invasion of privacy. E&amp;O insurance requires the counsel of an entertainment lawyer who will review your script, clearances and releases.</span></p>\n<p>&nbsp;</p>\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>Film Production Insurance: Why it is needed</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=\"/articles/articles/bid/191495/obtaining-insurance-for-your-short-film \" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"/articles/digigear-insure-coverage \" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained \" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"/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=\"/articles/third-party-property-damage-liability \" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles \" rel=\" noopener\">Crew Vehicles</a></p>\n<p><a href=\"/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=\"/articles/commercial-general-liability \" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"/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=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense \" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"/articles/foreign-locations \" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"/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":"Film Production Insurance: Why it is Needed.","blog_publish_to_social_media_task":"DONE","rss_body":"<div class=\"hs-migrated-cms-post\">\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/vB5q6StA4YE?rel=0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\" width=\"560\" height=\"315\" frameborder=\"0\"></iframe></div>\n</div>\n<!--more-->\n<p><br>Production insurance is a vital part of any production. All productions should be insured to protect the producers from financial disaster resulting from property damage or liability arising from the production or <a href=\"/post-production-studios\" rel=\"noopener\">post-production</a> process. Even if the producer is willing to assume these risks, they will still need insurance for the following reasons:</p>\n<h2>CONTRACTUAL REQUIREMENTS</h2>\n<p>The contractual reason is simple. If you are under contract with a broadcaster, financier or distributor, most likely the contract will require you to have insurance coverage before you can access your first draw-down.</p>\n<h2>ACCESS TO LOCATIONS</h2>\n<p>In order to get filming permits from municipalities, provinces or the federal government, you will be required to provide evidence of <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> Insurance. You will also normally be required to provide evidence of Commercial General Liability insurance to all privately owned locations that you require access to for filming.</p>\n<h2>RENTING PROPERTY</h2>\n<p>In order to rent production Equipment or <a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\"noopener\">Props/Sets/Wardrobe</a> you will normally be required to provide evidence of your property insurance. This is a standard requirement in most rental agreements.</p>\n<h2>TYPES OF PRODUCTION POLICIES</h2>\n<p>The type and scope of insurance coverage you need depends on the type of project you plan to make. If you are making a short music video, the type of policy you want will differ from a filmmaker who aims to make a feature film. There are basically three policy types: Annual, Short-Term project specific and Long-Term project specific policies</p>\n<p><a href=\"/short-term-production-insurance\" rel=\"noopener\">Short-term</a>, project specific policies are purchased for lower budget, shorter term projects such as a commercial or music video.</p>\n<p>Long-term, project specific policies are purchased for larger budget productions, with longer production and post-production periods such as <a href=\"/film-production-insurance\" rel=\"noopener\">Features or Television Series</a>.</p>\n<p><a href=\"/annual-dice-producers-insurance-policy\" rel=\"noopener\">A DICE Insurance Policy</a> is an annual policy used to insure more than one project during the course of a year. DICE stands for Documentaries, Industrials, Commercials and Educational Films. In addition to these types of productions, a DICE policy would also insure projects such as music videos, short films, public service announcements, <span style=\"font-style: italic;\">etc.</span></p>\n<p>Try to give your broker three to five days to arrange the coverage for you: this will ensure your broker has enough time to obtain the best price and coverage available in the marketplace.</p>\n<p>At a minimum, the three policies you need to consider for any film production are:</p>\n<h2>GENERAL LIABILITY INSURANCE</h2>\n<p><a href=\"/articles/commercial-general-liability\" rel=\"noopener\">Commercial General Liability</a> (CGL) insurance is designed to protect the production company against sums that they may become legally obligated to pay as compensatory damages for bodily injury or property damage to third parties arising out of the production company's operations. It includes the cost of a lawyer to defend you.</p>\n<h2>EQUIPMENT INSURANCE</h2>\n<p><a href=\"/articles/digigear-insure-coverage\" rel=\"noopener\">Equipment insurance</a> covers production or post-production equipment used in relation to the creation of your production. This policy will cover loss, damage, theft, <em>etc.</em> to your rented or owned equipment.</p>\n<h2>ERRORS AND OMISSIONS INSURANCE</h2>\n<p><span style=\"font-size: 18px;\"><a href=\"/sectors/e-o-insurance\" rel=\"noopener\">Producer's E&amp;O insurance</a> protects against lawsuits alleging unauthorized usage of titles, copyrighted materials, ideas, formats, characters, plots, <a href=\"/articles/how-does-an-eo-clearance-process-protect-against-plagiarism-claims\" rel=\"noopener\">plagiarism</a>, unfair competition, <a href=\"/articles/eo-clearance-process-claims-of-libel\" rel=\"noopener\">defamation </a>and invasion of privacy. E&amp;O insurance requires the counsel of an entertainment lawyer who will review your script, clearances and releases.</span></p>\n<p>&nbsp;</p>\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>Film Production Insurance: Why it is needed</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=\"/articles/articles/bid/191495/obtaining-insurance-for-your-short-film \" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"/articles/digigear-insure-coverage \" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"/articles/production-equipment-and-props/sets/wardrobe-insurance-explained \" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"/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=\"/articles/third-party-property-damage-liability \" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles \" rel=\" noopener\">Crew Vehicles</a></p>\n<p><a href=\"/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=\"/articles/commercial-general-liability \" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"/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=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense \" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"/articles/foreign-locations \" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops \" rel=\" noopener\">Claims</a></p>\n</div>","legacy_post_guid":"5f3caa24-f15b-463f-9401-6579e8cf6946","featured_image_alt_text":"Film Production Insurance: Why it is Needed.","enable_google_amp_output_override":false,"last_edit_session_id":null,"last_edit_update_id":null,"tag_ids":[949708704,949708774,949708814,949708924,949709434,949709454,949709884,956558885,5338428651],"link_rel_canonical_url":"","published_by_id":598790,"published_at":1649895321396,"layout_sections":{},"scheduled_update_date":0,"featured_image_height":1080,"featured_image_width":1080,"header":null}}

Film Production Insurance: Why it is Needed.

Film Production Insurance: Why it is Needed.


Production insurance is a vital part of any production. All productions should be insured to protect the producers from financial disaster resulting from property damage or liability arising from the production or post-production process. Even if the producer is willing to assume these risks, they will still need insurance for the following reasons:

CONTRACTUAL REQUIREMENTS

The contractual reason is simple. If you are under contract with a broadcaster, financier or distributor, most likely the contract will require you to have insurance coverage before you can access your first draw-down.

ACCESS TO LOCATIONS

In order to get filming permits from municipalities, provinces or the federal government, you will be required to provide evidence of Commercial General Liability Insurance. You will also normally be required to provide evidence of Commercial General Liability insurance to all privately owned locations that you require access to for filming.

RENTING PROPERTY

In order to rent production Equipment or Props/Sets/Wardrobe you will normally be required to provide evidence of your property insurance. This is a standard requirement in most rental agreements.

TYPES OF PRODUCTION POLICIES

The type and scope of insurance coverage you need depends on the type of project you plan to make. If you are making a short music video, the type of policy you want will differ from a filmmaker who aims to make a feature film. There are basically three policy types: Annual, Short-Term project specific and Long-Term project specific policies

Short-term, project specific policies are purchased for lower budget, shorter term projects such as a commercial or music video.

Long-term, project specific policies are purchased for larger budget productions, with longer production and post-production periods such as Features or Television Series.

A DICE Insurance Policy is an annual policy used to insure more than one project during the course of a year. DICE stands for Documentaries, Industrials, Commercials and Educational Films. In addition to these types of productions, a DICE policy would also insure projects such as music videos, short films, public service announcements, etc.

Try to give your broker three to five days to arrange the coverage for you: this will ensure your broker has enough time to obtain the best price and coverage available in the marketplace.

At a minimum, the three policies you need to consider for any film production are:

GENERAL LIABILITY INSURANCE

Commercial General Liability (CGL) insurance is designed to protect the production company against sums that they may become legally obligated to pay as compensatory damages for bodily injury or property damage to third parties arising out of the production company's operations. It includes the cost of a lawyer to defend you.

EQUIPMENT INSURANCE

Equipment insurance covers production or post-production equipment used in relation to the creation of your production. This policy will cover loss, damage, theft, etc. to your rented or owned equipment.

ERRORS AND OMISSIONS INSURANCE

Producer's E&O insurance protects against lawsuits alleging unauthorized usage of titles, copyrighted materials, ideas, formats, characters, plots, plagiarism, unfair competition, defamation and invasion of privacy. E&O insurance requires the counsel of an entertainment lawyer who will review your script, clearances and releases.

 

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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