{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp","afterPostBody":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"137640-28960","analyticsPageType":"blog-post","approvalStatus":null,"archived":false,"archivedAt":0,"archivedInDashboard":false,"areCommentsAllowed":true,"attachedStylesheets":[],"audienceAccess":"PUBLIC","author":null,"authorName":null,"authorUsername":null,"blogAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1401900296000,"deletedAt":0,"displayName":"David Hamilton","email":"david@frontrowinsurance.com","facebook":"","fullName":"David Hamilton","gravatarUrl":"https://app.hubspot.com/settings/avatar/e5f627d6f4fb7738af400df9b2f0d390","hasSocialProfiles":false,"id":952267721,"label":"David 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":null,"campaign":null,"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":1275765699000,"createdById":null,"createdTime":1275765699000,"crmObjectId":null,"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":"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg","featuredImageAltText":"Workers Compensation for Film Crews","featuredImageHeight":450,"featuredImageLength":0,"featuredImageWidth":600,"flexAreas":{},"folderId":null,"footerHtml":"","freezeDate":1276553880000,"generateJsonLdEnabledOverride":true,"hasContentAccessRules":false,"hasUserChanges":true,"headHtml":"","header":null,"htmlTitle":"Film Production Crew: Always Ask if you are Covered by Workers Comp","id":955687082,"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\" >Film Production Crew: Always Ask if you are Covered by Workers Comp</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":137640,"legacyId":28960,"legacyPostGuid":"b49df873-d05f-4564-95ce-7f1024278b4d","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":"entertainment 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://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg","page_redirected":null,"campaign_name":null,"post_summary":"<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p>\n<div class=\"hs-migrated-cms-post\">\n</div>","has_user_changes":true,"attached_stylesheets":[],"unpublished_at":null,"author_email":"nedia@frontrowinsurance.com","topic_ids":[949708774,949708809,949708814,949708904,949709454,4250596497],"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":"If you are a crew member working on a low- or micro- budget film production, always ask the producer if they have workers compensation.","performable_url":null,"author_username":"nedia@frontrowinsurance.com","blueprint_id":0,"rss_email_click_through_text":"Read more &raquo;","placement_guids":[],"css_text":"","rss_summary":"<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p>\n<div class=\"hs-migrated-cms-post\">\n</div>","legacy_blog_tabid":137640,"cloned_from":null,"head_html":"","page_expiry_enabled":null,"blog_post_schedule_task_uid":null,"post_body":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p>\n<div class=\"hs-migrated-cms-post\">\n<!--more--><p>If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers compensation coverage for the crew and <a href=\"/articles/commercial-general-liability\" rel=\" noopener\">general liability coverage</a> for the production in general.</p>\n<p><strong>Workers comp.</strong> provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the filmmaker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing work comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the work comp benefits, <em>they usually waive the right to sue the producer</em>.&nbsp;</p>\n<p>Sometimes that insurance company or government work comp agency will not provide coverage if the crew and cast are not being paid as there is no way to determine loss of future earnings. For this reason, the producer should arrange to make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant.</p>\n<p>Always ask the producer if you will be covered by workers comp even when <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short shoot</a> in any capacity.</p>\n<h3>RELATED BLOG POSTS:</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/workers-compensation\" rel=\" noopener\">WORKERS' COMP EXPLAINED</a></div>\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=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><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><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=\"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>Workers Comp</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>\n</div></span>","publish_immediately":true,"html_title":"Film Production Crew: Always Ask if you are Covered by Workers Comp","blog_publish_to_social_media_task":"DONE","rss_body":"<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p>\n<div class=\"hs-migrated-cms-post\">\n<!--more--><p>If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers compensation coverage for the crew and <a href=\"/articles/commercial-general-liability\" rel=\" noopener\">general liability coverage</a> for the production in general.</p>\n<p><strong>Workers comp.</strong> provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the filmmaker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing work comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the work comp benefits, <em>they usually waive the right to sue the producer</em>.&nbsp;</p>\n<p>Sometimes that insurance company or government work comp agency will not provide coverage if the crew and cast are not being paid as there is no way to determine loss of future earnings. For this reason, the producer should arrange to make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant.</p>\n<p>Always ask the producer if you will be covered by workers comp even when <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short shoot</a> in any capacity.</p>\n<h3>RELATED BLOG POSTS:</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/workers-compensation\" rel=\" noopener\">WORKERS' COMP EXPLAINED</a></div>\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=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><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><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=\"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>Workers Comp</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>\n</div>","legacy_post_guid":"b49df873-d05f-4564-95ce-7f1024278b4d","featured_image_alt_text":"Workers Compensation for Film Crews","enable_google_amp_output_override":false,"last_edit_session_id":null,"last_edit_update_id":null,"tag_ids":[949708774,949708809,949708814,949708904,949709454,4250596497],"link_rel_canonical_url":"","published_by_id":7915797,"published_at":1649431532255,"scheduled_update_date":0,"featured_image_width":600,"featured_image_height":450,"header":null},"metaDescription":"If you are a crew member working on a low- or micro- budget film production, always ask the producer if they have workers compensation.","metaKeywords":"entertainment 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\" >Film Production Crew: Always Ask if you are Covered by Workers Comp</span>","nextPostFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/how%20premium%20determined/western-film-set-unsplash-forweb300.jpg","nextPostFeaturedImageAltText":"Film Production Insurance: How the Premium is Determined","nextPostName":"Film Production Insurance: How the Premium is Determined","nextPostSlug":"articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"Film Production Crew: Always Ask if you are Covered by Workers Comp","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, 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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/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\"\n },\n \"headline\": \"Film Production Crew: Always Ask if you are Covered by Workers Comp\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\"\n },\n \"datePublished\": 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mce_src=\"/Portals/61352/images//logo_final.jpg\">","rssItemHeader":"","settingsOverrides":{"itemLayoutId":false,"itemTemplatePath":false,"itemTemplateIsShared":false,"listingLayoutId":false,"listingTemplatePath":false,"postsPerListingPage":false,"showSummaryInListing":false,"useFeaturedImageInSummary":false,"htmlHead":false,"postHtmlHead":false,"htmlHeadIsShared":false,"htmlFooter":false,"listingPageHtmlFooter":false,"postHtmlFooter":false,"htmlFooterIsShared":false,"attachedStylesheets":false,"postsPerRssFeed":false,"showSummaryInRss":false,"showSummaryInEmails":false,"showSummariesInEmails":false,"allowComments":false,"commentShouldCreateContact":false,"commentModeration":false,"closeCommentsOlder":false,"commentNotificationEmails":false,"commentMaxThreadDepth":false,"commentVerificationText":false,"socialAccountTwitter":false,"showSocialLinkTwitter":false,"showSocialLinkLinkedin":false,"showSocialLinkFacebook":false,"enableGoogleAmpOutput":false,"ampLogoSrc":false,"ampLogoHeight":false,"ampLogoWidth":false,"ampLogoAlt":false,"ampHeaderFont":false,"ampHeaderFontSize":false,"ampHeaderColor":false,"ampHeaderBackgroundColor":false,"ampBodyFont":false,"ampBodyFontSize":false,"ampBodyColor":false,"ampLinkColor":false,"generateJsonLdEnabled":false},"showSocialLinkFacebook":true,"showSocialLinkLinkedin":true,"showSocialLinkTwitter":true,"showSummaryInEmails":true,"showSummaryInListing":false,"showSummaryInRss":true,"siteId":0,"slug":"articles","socialAccountTwitter":"","state":null,"subscriptionContactsProperty":"blog_blog_the_front_row_view_subscription","subscriptionEmailType":null,"subscriptionFormGuid":"a2c254df-2214-4c54-bd51-46da1e3029fb","subscriptionListsByType":{"daily":12,"instant":11,"monthly":10,"weekly":13},"title":null,"translatedFromId":null,"translations":{"fr":{"absoluteUrl":"https://www.frontrowinsurance.com/fr/blogue","id":2471031463,"language":"fr","masterId":952267656,"name":"The Front Row View (entertainment insurance blog)","publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"slug":"fr/blogue"}},"updated":1650089754719,"updatedDateTime":1650089754719,"urlBase":"www.frontrowinsurance.com/articles","urlSegments":{},"useFeaturedImageInSummary":true,"usesDefaultTemplate":false,"weeklyNotificationEmailId":"952268106"},"password":null,"pastMabExperimentIds":[],"performableGuid":"","performableVariationLetter":null,"personas":[],"placementGuids":[],"portableKey":null,"portalId":61352,"position":null,"postBody":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p>\n<div class=\"hs-migrated-cms-post\">\n<!--more--><p>If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers compensation coverage for the crew and <a href=\"/articles/commercial-general-liability\" rel=\" noopener\">general liability coverage</a> for the production in general.</p>\n<p><strong>Workers comp.</strong> provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the filmmaker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing work comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the work comp benefits, <em>they usually waive the right to sue the producer</em>.&nbsp;</p>\n<p>Sometimes that insurance company or government work comp agency will not provide coverage if the crew and cast are not being paid as there is no way to determine loss of future earnings. For this reason, the producer should arrange to make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant.</p>\n<p>Always ask the producer if you will be covered by workers comp even when <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short shoot</a> in any capacity.</p>\n<h3>RELATED BLOG POSTS:</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/workers-compensation\" rel=\" noopener\">WORKERS' COMP EXPLAINED</a></div>\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=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><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><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=\"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>Workers Comp</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>\n</div></span>","postBodyRss":"<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p>\n<div class=\"hs-migrated-cms-post\">\n<!--more--><p>If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers compensation coverage for the crew and <a href=\"/articles/commercial-general-liability\" rel=\" noopener\">general liability coverage</a> for the production in general.</p>\n<p><strong>Workers comp.</strong> provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the filmmaker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing work comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the work comp benefits, <em>they usually waive the right to sue the producer</em>.&nbsp;</p>\n<p>Sometimes that insurance company or government work comp agency will not provide coverage if the crew and cast are not being paid as there is no way to determine loss of future earnings. For this reason, the producer should arrange to make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant.</p>\n<p>Always ask the producer if you will be covered by workers comp even when <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short shoot</a> in any capacity.</p>\n<h3>RELATED BLOG POSTS:</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/workers-compensation\" rel=\" noopener\">WORKERS' COMP EXPLAINED</a></div>\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=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><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><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=\"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>Workers Comp</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>\n</div>","postEmailContent":"<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p> \n<div class=\"hs-migrated-cms-post\"> \n</div>","postFeaturedImageIfEnabled":"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg","postListContent":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p>\n<div class=\"hs-migrated-cms-post\">\n<!--more--><p>If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers compensation coverage for the crew and <a href=\"/articles/commercial-general-liability\" rel=\" noopener\">general liability coverage</a> for the production in general.</p>\n<p><strong>Workers comp.</strong> provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the filmmaker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing work comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the work comp benefits, <em>they usually waive the right to sue the producer</em>.&nbsp;</p>\n<p>Sometimes that insurance company or government work comp agency will not provide coverage if the crew and cast are not being paid as there is no way to determine loss of future earnings. For this reason, the producer should arrange to make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant.</p>\n<p>Always ask the producer if you will be covered by workers comp even when <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short shoot</a> in any capacity.</p>\n<h3>RELATED BLOG POSTS:</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/workers-compensation\" rel=\" noopener\">WORKERS' COMP EXPLAINED</a></div>\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=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><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><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=\"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>Workers Comp</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>\n</div></span>","postListSummaryFeaturedImage":"","postRssContent":"<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p> \n<div class=\"hs-migrated-cms-post\"> \n</div>","postRssSummaryFeaturedImage":"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg","postSummary":"<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p>\n<div class=\"hs-migrated-cms-post\">\n</div>","postSummaryRss":"<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p> \n<div class=\"hs-migrated-cms-post\"> \n</div>","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"dVvkRoUB","previousPostFeaturedImage":"http://cdn2.hubspot.net/hub/61352/file-1447058845-jpg/shutterstock_112856104.jpg","previousPostFeaturedImageAltText":"","previousPostName":"Film E&O Insurance Clearance Procedures for Producers - Part 3 of 3","previousPostSlug":"articles/articles/bid/28471/film-eo-insurance-clearances-procedures-for-film-producers-part-3-of-3","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publishDate":1276553880000,"publishDateLocalTime":1276553880000,"publishDateLocalized":{"date":1276553880000,"format":"medium","language":"en_US"},"publishImmediately":true,"publishTimezoneOffset":null,"publishedAt":1649431532255,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":null,"rssBody":"<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p>\n<div class=\"hs-migrated-cms-post\">\n<!--more--><p>If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers compensation coverage for the crew and <a href=\"/articles/commercial-general-liability\" rel=\" noopener\">general liability coverage</a> for the production in general.</p>\n<p><strong>Workers comp.</strong> provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the filmmaker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing work comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the work comp benefits, <em>they usually waive the right to sue the producer</em>.&nbsp;</p>\n<p>Sometimes that insurance company or government work comp agency will not provide coverage if the crew and cast are not being paid as there is no way to determine loss of future earnings. For this reason, the producer should arrange to make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant.</p>\n<p>Always ask the producer if you will be covered by workers comp even when <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short shoot</a> in any capacity.</p>\n<h3>RELATED BLOG POSTS:</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/workers-compensation\" rel=\" noopener\">WORKERS' COMP EXPLAINED</a></div>\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=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\" noopener\">How the Premium is Determined</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/191495/obtaining-insurance-for-your-short-film\" rel=\" noopener\">Short Film Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/digigear-insure-coverage\" rel=\" noopener\">DigiGear Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/production-equipment-and-props/sets/wardrobe-insurance-explained\" rel=\" noopener\">Props/Sets/Wardrobe Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/66030/film-and-tv-producers-errors-and-omissions-insurance-cost\" rel=\" noopener\">E&amp;O Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/23028/what-is-a-dice-policy-let-front-row-tell-you\" rel=\" noopener\">DICE Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/third-party-property-damage-liability\" rel=\" noopener\">Third Party Property Damage</a></p>\n<p><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><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=\"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>Workers Comp</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>\n</div>","rssSummary":"<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by <strong>work comp insurance</strong> - the risk of going without is too great.</p>\n<div 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Film Production Crew: Always Ask if you are Covered by Workers Comp

Workers Compensation for Film Crews

Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.

If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers compensation coverage for the crew and general liability coverage for the production in general.

Workers comp. provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the filmmaker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing work comp.

The benefit to the producer is that once the injured crew member accepts the work comp benefits, they usually waive the right to sue the producer

Sometimes that insurance company or government work comp agency will not provide coverage if the crew and cast are not being paid as there is no way to determine loss of future earnings. For this reason, the producer should arrange to make nominal payments to cast and crew.

If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant.

Always ask the producer if you will be covered by workers comp even when volunteering on a short shoot in any capacity.

RELATED BLOG POSTS:

WORKERS' COMP EXPLAINED

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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