{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined","afterPostBody":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"137640-31052","analyticsPageType":"blog-post","approvalStatus":null,"archived":false,"archivedAt":0,"archivedInDashboard":false,"areCommentsAllowed":true,"attachedStylesheets":[],"audienceAccess":"PUBLIC","author":null,"authorName":null,"authorUsername":null,"blogAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1401900296000,"deletedAt":0,"displayName":"David Hamilton","email":"david@frontrowinsurance.com","facebook":"","fullName":"David Hamilton","gravatarUrl":"https://app.hubspot.com/settings/avatar/e5f627d6f4fb7738af400df9b2f0d390","hasSocialProfiles":false,"id":952267721,"label":"David 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Determined</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":137640,"legacyId":31052,"legacyPostGuid":"6393ec23-227d-444c-8c0a-f154af3b0e69","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":"Annual Film Insurance, Commercial Production Insurance, D.I.C.E. Insurance, DICE Insurance, Documentary Insurance, Entertainment Insurance, Entertainment Insurance Broker, Film Insurance, Film Production Insurance, Film Production Insurance Premiums,film production,film production 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,"page_redirected":null,"scheduled_update_date":0,"include_default_custom_css":true,"keywords":[{"campaigns":[],"keyword":"film production insurance","contacts":0,"country":0,"created_at":1314849600000,"visits":0,"keyword_guid":"33a1e884-7856-4516-bf6d-9392ab4c41b7","leads":0,"text":"film production insurance","id":"33a1e884-7856-4516-bf6d-9392ab4c41b7"},{"campaigns":[],"keyword":"production insurance","contacts":0,"country":0,"created_at":1314849600000,"visits":0,"keyword_guid":"6b37649f-27c9-406c-a8cf-6c2a4608412e","leads":0,"text":"production insurance","id":"6b37649f-27c9-406c-a8cf-6c2a4608412e"},{"campaigns":[],"keyword":"film insurance","contacts":0,"country":0,"created_at":1314849600000,"visits":0,"keyword_guid":"f53e5ca8-e407-4970-8874-cd447fa5e82b","leads":0,"text":"film insurance","id":"f53e5ca8-e407-4970-8874-cd447fa5e82b"},{"campaigns":[],"keyword":"film insurance rates","contacts":0,"country":0,"created_at":1314849600000,"visits":0,"keyword_guid":"dd5dcfff-2e0d-40b4-b229-51c57051b38b","leads":0,"text":"film insurance rates","id":"dd5dcfff-2e0d-40b4-b229-51c57051b38b"}],"campaign_name":null,"featured_image":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/western-film-set-unsplash-forweb.jpg","post_summary":"<p>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>\n","has_user_changes":true,"attached_stylesheets":[],"unpublished_at":null,"author_email":"nedia@frontrowinsurance.com","topic_ids":[949708774,949708809,949708904,949708959,949709454,949709884],"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":"Usually the cost of film production insurance is determined by charging a pre-determined rate against the net insurable budget of the production.","performable_url":null,"author_username":"nedia@frontrowinsurance.com","blueprint_id":0,"rss_email_click_through_text":"Read more &raquo;","placement_guids":["480329f1-746c-45da-a7a7-de45864c8e59"],"css_text":"","rss_summary":"<p>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>\n","legacy_blog_tabid":137640,"cloned_from":null,"head_html":"","page_expiry_enabled":null,"enable_domain_stylesheets":true,"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>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>\n<!--more-->\n<ul>\n<li>Type of production (<em>e.g.,</em> Feature, TV series)</li>\n<li>Inclusion of any <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts or special effects</a></li>\n<li>Any work in or around <a href=\"/articles/articles/bid/111329/film-and-hd-production-companies-and-watercraft-use\" rel=\"noopener\">water</a></li>\n<li><a href=\"/articles/articles/bid/25891/aircraft-use-in-a-film-production-don-t-fly-solo\" rel=\"noopener\">Aerial</a> work</li>\n<li><a href=\"/articles/foreign-locations\" rel=\"noopener\">Locations outside Canada/US</a></li>\n</ul>\n<p>Most of these factors will cause the film insurance premium to increase. The rate from the insurance company is applied against net insurable budget to determine the final premium. The number of episodes and length of production rarely have an impact on price. The only time this would have an impact is if it were a very short shoot and we could offer a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short-term policy</a>. This type of policy would offer very limited coverages and would usually only offer coverage for 7 days or less.</p>\n<p>In addition to the rate and net insurable, the insurance companies have a minimum premium that they have to charge for a policy to ensure they can cover all of the administration costs of issuing and servicing the policies. Their minimum premium threshold might cause two difference projects which have different budgets, to still have the same premium. This is usually the case in lower budget projects. The insurance company is stuck charging a minimum premium as they have to absorb the same administrative costs no matter what the budget of the production.</p>\n<p><strong>Related Post</strong>: <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\" noopener\">FILM PRODUCTION INSURANCE PREMIUMS: ONE WAY TO SAVE MONEY</a></p>\n<p><strong>Related Video</strong>: <a href=\"https://youtu.be/DUqbD3Hr7tQ\" rel=\" noopener\">WHAT IS A PREMIUM? WHAT IS A DEDUCTIBLE?</a></p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance?\" rel=\" noopener\">Film Production Insurance</a></p>\n<p>How the Premium is Determined</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=\"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=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div></span>","publish_immediately":false,"html_title":"Film Production Insurance: How the Premium is Determined","enable_layout_stylesheets":true,"blog_publish_to_social_media_task":"DONE","rss_body":"<p>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>\n<!--more-->\n<ul>\n<li>Type of production (<em>e.g.,</em> Feature, TV series)</li>\n<li>Inclusion of any <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts or special effects</a></li>\n<li>Any work in or around <a href=\"/articles/articles/bid/111329/film-and-hd-production-companies-and-watercraft-use\" rel=\"noopener\">water</a></li>\n<li><a href=\"/articles/articles/bid/25891/aircraft-use-in-a-film-production-don-t-fly-solo\" rel=\"noopener\">Aerial</a> work</li>\n<li><a href=\"/articles/foreign-locations\" rel=\"noopener\">Locations outside Canada/US</a></li>\n</ul>\n<p>Most of these factors will cause the film insurance premium to increase. The rate from the insurance company is applied against net insurable budget to determine the final premium. The number of episodes and length of production rarely have an impact on price. The only time this would have an impact is if it were a very short shoot and we could offer a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short-term policy</a>. This type of policy would offer very limited coverages and would usually only offer coverage for 7 days or less.</p>\n<p>In addition to the rate and net insurable, the insurance companies have a minimum premium that they have to charge for a policy to ensure they can cover all of the administration costs of issuing and servicing the policies. Their minimum premium threshold might cause two difference projects which have different budgets, to still have the same premium. This is usually the case in lower budget projects. The insurance company is stuck charging a minimum premium as they have to absorb the same administrative costs no matter what the budget of the production.</p>\n<p><strong>Related Post</strong>: <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\" noopener\">FILM PRODUCTION INSURANCE PREMIUMS: ONE WAY TO SAVE MONEY</a></p>\n<p><strong>Related Video</strong>: <a href=\"https://youtu.be/DUqbD3Hr7tQ\" rel=\" noopener\">WHAT IS A PREMIUM? WHAT IS A DEDUCTIBLE?</a></p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance?\" rel=\" noopener\">Film Production Insurance</a></p>\n<p>How the Premium is Determined</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=\"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=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div>","blog_post_schedule_task_uid":null,"legacy_post_guid":"6393ec23-227d-444c-8c0a-f154af3b0e69","featured_image_alt_text":"Western movie set: Film Production Insurance","enable_google_amp_output_override":false,"last_edit_session_id":null,"last_edit_update_id":null,"tag_ids":[949708774,949708809,949708904,949708959,949709454,949709884],"link_rel_canonical_url":"","published_by_id":7915797,"published_at":1666886772407,"layout_sections":{},"public_access_rules_enabled":false,"public_access_rules":[],"featured_image_height":450,"featured_image_width":600,"header":null},"metaDescription":"Usually the cost of film production insurance is determined by charging a pre-determined rate against the net insurable budget of the production.","metaKeywords":"Annual Film Insurance, Commercial Production Insurance, D.I.C.E. Insurance, DICE Insurance, Documentary Insurance, Entertainment Insurance, Entertainment Insurance Broker, Film Insurance, Film Production Insurance, Film Production Insurance Premiums,film production,film production insurance,production 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 Insurance: How the Premium is Determined</span>","nextPostFeaturedImage":"http://cdn2.hubspot.net/hub/61352/file-1446184112-jpg/shutterstock_157247915.jpg","nextPostFeaturedImageAltText":"","nextPostName":"Essential Elements Cast Insurance Explained","nextPostSlug":"articles/articles/bid/58757/essential-elements-cast-insurance-explained","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"Film Production Insurance: How the Premium is 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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/31052/film-production-insurance-how-the-premium-is-determined\"\n },\n \"headline\": \"Film Production Insurance: How the Premium is Determined\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/western-film-set-unsplash-forweb.jpg\"\n },\n \"datePublished\": \"2010-06-21 21:46:00\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": 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"],"htmlTitle":"The Front Row View (entertainment insurance blog)","id":952267656,"instantNotificationEmailId":"952268061","itemLayoutId":null,"itemTemplateIsShared":false,"itemTemplatePath":"prox_frontrow/templates/blog/blog-post.html","label":"The Front Row View (entertainment insurance blog)","language":"en","legacyGuid":"469ce2ec-4dd9-442d-984a-3bab2557a02f","legacyModuleId":"164112","legacyTabId":137640,"listingLayoutId":null,"listingPageId":70026589976,"listingTemplatePath":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","monthFilterFormat":"MMMM yyyy","monthlyNotificationEmailId":"952267981","name":"The Front Row View (entertainment insurance blog)","parentBlogUpdateTaskId":null,"portalId":61352,"postHtmlFooter":"<!-- OMEGA-->","postHtmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\"\n },\n \"headline\": \"Film Production Insurance: How the Premium is Determined\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/western-film-set-unsplash-forweb.jpg\"\n },\n \"datePublished\": \"2010-06-21 21:46:00\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"Usually the cost of film production insurance is determined by charging a pre-determined rate against the net insurable budget of the production.\"\n }\n </script>\n 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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":["480329f1-746c-45da-a7a7-de45864c8e59"],"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>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>\n<!--more-->\n<ul>\n<li>Type of production (<em>e.g.,</em> Feature, TV series)</li>\n<li>Inclusion of any <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts or special effects</a></li>\n<li>Any work in or around <a href=\"/articles/articles/bid/111329/film-and-hd-production-companies-and-watercraft-use\" rel=\"noopener\">water</a></li>\n<li><a href=\"/articles/articles/bid/25891/aircraft-use-in-a-film-production-don-t-fly-solo\" rel=\"noopener\">Aerial</a> work</li>\n<li><a href=\"/articles/foreign-locations\" rel=\"noopener\">Locations outside Canada/US</a></li>\n</ul>\n<p>Most of these factors will cause the film insurance premium to increase. The rate from the insurance company is applied against net insurable budget to determine the final premium. The number of episodes and length of production rarely have an impact on price. The only time this would have an impact is if it were a very short shoot and we could offer a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short-term policy</a>. This type of policy would offer very limited coverages and would usually only offer coverage for 7 days or less.</p>\n<p>In addition to the rate and net insurable, the insurance companies have a minimum premium that they have to charge for a policy to ensure they can cover all of the administration costs of issuing and servicing the policies. Their minimum premium threshold might cause two difference projects which have different budgets, to still have the same premium. This is usually the case in lower budget projects. The insurance company is stuck charging a minimum premium as they have to absorb the same administrative costs no matter what the budget of the production.</p>\n<p><strong>Related Post</strong>: <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\" noopener\">FILM PRODUCTION INSURANCE PREMIUMS: ONE WAY TO SAVE MONEY</a></p>\n<p><strong>Related Video</strong>: <a href=\"https://youtu.be/DUqbD3Hr7tQ\" rel=\" noopener\">WHAT IS A PREMIUM? WHAT IS A DEDUCTIBLE?</a></p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance?\" rel=\" noopener\">Film Production Insurance</a></p>\n<p>How the Premium is Determined</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=\"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=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div></span>","postBodyRss":"<p>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>\n<!--more-->\n<ul>\n<li>Type of production (<em>e.g.,</em> Feature, TV series)</li>\n<li>Inclusion of any <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts or special effects</a></li>\n<li>Any work in or around <a href=\"/articles/articles/bid/111329/film-and-hd-production-companies-and-watercraft-use\" rel=\"noopener\">water</a></li>\n<li><a href=\"/articles/articles/bid/25891/aircraft-use-in-a-film-production-don-t-fly-solo\" rel=\"noopener\">Aerial</a> work</li>\n<li><a href=\"/articles/foreign-locations\" rel=\"noopener\">Locations outside Canada/US</a></li>\n</ul>\n<p>Most of these factors will cause the film insurance premium to increase. The rate from the insurance company is applied against net insurable budget to determine the final premium. The number of episodes and length of production rarely have an impact on price. The only time this would have an impact is if it were a very short shoot and we could offer a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short-term policy</a>. This type of policy would offer very limited coverages and would usually only offer coverage for 7 days or less.</p>\n<p>In addition to the rate and net insurable, the insurance companies have a minimum premium that they have to charge for a policy to ensure they can cover all of the administration costs of issuing and servicing the policies. Their minimum premium threshold might cause two difference projects which have different budgets, to still have the same premium. This is usually the case in lower budget projects. The insurance company is stuck charging a minimum premium as they have to absorb the same administrative costs no matter what the budget of the production.</p>\n<p><strong>Related Post</strong>: <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\" noopener\">FILM PRODUCTION INSURANCE PREMIUMS: ONE WAY TO SAVE MONEY</a></p>\n<p><strong>Related Video</strong>: <a href=\"https://youtu.be/DUqbD3Hr7tQ\" rel=\" noopener\">WHAT IS A PREMIUM? WHAT IS A DEDUCTIBLE?</a></p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance?\" rel=\" noopener\">Film Production Insurance</a></p>\n<p>How the Premium is Determined</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=\"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=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div>","postEmailContent":"<p>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/western-film-set-unsplash-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>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>\n<!--more-->\n<ul>\n<li>Type of production (<em>e.g.,</em> Feature, TV series)</li>\n<li>Inclusion of any <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts or special effects</a></li>\n<li>Any work in or around <a href=\"/articles/articles/bid/111329/film-and-hd-production-companies-and-watercraft-use\" rel=\"noopener\">water</a></li>\n<li><a href=\"/articles/articles/bid/25891/aircraft-use-in-a-film-production-don-t-fly-solo\" rel=\"noopener\">Aerial</a> work</li>\n<li><a href=\"/articles/foreign-locations\" rel=\"noopener\">Locations outside Canada/US</a></li>\n</ul>\n<p>Most of these factors will cause the film insurance premium to increase. The rate from the insurance company is applied against net insurable budget to determine the final premium. The number of episodes and length of production rarely have an impact on price. The only time this would have an impact is if it were a very short shoot and we could offer a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short-term policy</a>. This type of policy would offer very limited coverages and would usually only offer coverage for 7 days or less.</p>\n<p>In addition to the rate and net insurable, the insurance companies have a minimum premium that they have to charge for a policy to ensure they can cover all of the administration costs of issuing and servicing the policies. Their minimum premium threshold might cause two difference projects which have different budgets, to still have the same premium. This is usually the case in lower budget projects. The insurance company is stuck charging a minimum premium as they have to absorb the same administrative costs no matter what the budget of the production.</p>\n<p><strong>Related Post</strong>: <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\" noopener\">FILM PRODUCTION INSURANCE PREMIUMS: ONE WAY TO SAVE MONEY</a></p>\n<p><strong>Related Video</strong>: <a href=\"https://youtu.be/DUqbD3Hr7tQ\" rel=\" noopener\">WHAT IS A PREMIUM? WHAT IS A DEDUCTIBLE?</a></p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance?\" rel=\" noopener\">Film Production Insurance</a></p>\n<p>How the Premium is Determined</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=\"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=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div></span>","postListSummaryFeaturedImage":"","postRssContent":"<p>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/western-film-set-unsplash-forweb.jpg","postSummary":"<p>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>\n","postSummaryRss":"<p>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"ApE6PGz9","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":1277156760000,"publishDateLocalTime":1277156760000,"publishDateLocalized":{"date":1277156760000,"format":"medium","language":"en_US"},"publishImmediately":false,"publishTimezoneOffset":null,"publishedAt":1666886772407,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":null,"rssBody":"<p>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>\n<!--more-->\n<ul>\n<li>Type of production (<em>e.g.,</em> Feature, TV series)</li>\n<li>Inclusion of any <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts or special effects</a></li>\n<li>Any work in or around <a href=\"/articles/articles/bid/111329/film-and-hd-production-companies-and-watercraft-use\" rel=\"noopener\">water</a></li>\n<li><a href=\"/articles/articles/bid/25891/aircraft-use-in-a-film-production-don-t-fly-solo\" rel=\"noopener\">Aerial</a> work</li>\n<li><a href=\"/articles/foreign-locations\" rel=\"noopener\">Locations outside Canada/US</a></li>\n</ul>\n<p>Most of these factors will cause the film insurance premium to increase. The rate from the insurance company is applied against net insurable budget to determine the final premium. The number of episodes and length of production rarely have an impact on price. The only time this would have an impact is if it were a very short shoot and we could offer a <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">short-term policy</a>. This type of policy would offer very limited coverages and would usually only offer coverage for 7 days or less.</p>\n<p>In addition to the rate and net insurable, the insurance companies have a minimum premium that they have to charge for a policy to ensure they can cover all of the administration costs of issuing and servicing the policies. Their minimum premium threshold might cause two difference projects which have different budgets, to still have the same premium. This is usually the case in lower budget projects. The insurance company is stuck charging a minimum premium as they have to absorb the same administrative costs no matter what the budget of the production.</p>\n<p><strong>Related Post</strong>: <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\" noopener\">FILM PRODUCTION INSURANCE PREMIUMS: ONE WAY TO SAVE MONEY</a></p>\n<p><strong>Related Video</strong>: <a href=\"https://youtu.be/DUqbD3Hr7tQ\" rel=\" noopener\">WHAT IS A PREMIUM? WHAT IS A DEDUCTIBLE?</a></p>\n<div class=\"section post-body\">\n<h3>RELATED LINKS:</h3>\n<p><a href=\"/film-insurance-101\" rel=\" noopener\">Film Insurance 101 &amp; How to Protect Your Film Project</a></p>\n<p><a href=\"/articles/articles/bid/24987/film-production-insurance-why-it-is-needed\" rel=\" noopener\">Film Production Insurance: Why it is needed</a></p>\n<p><a href=\"/articles/equipment-breakdown-insurance-why-your-small-business-needs-this-coverage-0\" rel=\" noopener\">Pre-Production Insurance</a></p>\n<p><a href=\"/film-production-insurance?\" rel=\" noopener\">Film Production Insurance</a></p>\n<p>How the Premium is Determined</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=\"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=\"https://www.frontrowinsurance.com/articles/articles/bid/112203/umbrella-vs-excess-liability-insurance-coverage-for-film-production\" rel=\" noopener\">Umbrella Vs. Excess Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/commercial-general-liability\" rel=\" noopener\">Commercial General Liability</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/negative-film-and-faulty-stock-/-equipment-insurance-explained\" rel=\" noopener\">Negative Film / Videotape and Faulty Stock</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">Workers Comp</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\" noopener\">Cast Insurance</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\" noopener\">Extra Expense (EE)</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/foreign-locations\" rel=\" noopener\">Foreign Locations</a></p>\n<p><a href=\"https://www.frontrowinsurance.com/articles/articles/bid/26208/film-insurance-claims-what-to-do-when-film-production-stops\" rel=\" noopener\">Claims</a></p>\n</div>","rssSummary":"<p>Usually the cost of film production insurance is determined by charging a pre-determined rate against the <a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">net insurable budget</a> of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (<em>i.e.,</em> unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:</p>\n","rssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/western-film-set-unsplash-forweb.jpg","scheduledUpdateDate":0,"screenshotPreviewTakenAt":1666886772784,"screenshotPreviewUrl":"https://cdn1.hubspot.net/hubshotv3/prod/e/0/daeec6c5-061b-4de0-8bec-a5fe52eb7560.png","sections":{},"securityState":"NONE","siteId":0,"slug":"articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined","stagedFrom":null,"state":"PUBLISHED","stateWhenDeleted":null,"styleOverrideId":null,"subcategory":"legacy_blog_post","syncedWithBlogRoot":true,"tagIds":[949708774,949708809,949708904,949708959,949709454,949709884],"tagList":[{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401901715000,"deletedAt":0,"description":"","id":949708774,"label":"Film insurance","language":"en","name":"Film 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Film Production Insurance: How the Premium is Determined

Western movie set: Film Production Insurance

Usually the cost of film production insurance is determined by charging a pre-determined rate against the net insurable budget of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (i.e., unit publicity, insurance, and general expense). The film insurance rates will vary from production to production and depend on criteria such as:

Most of these factors will cause the film insurance premium to increase. The rate from the insurance company is applied against net insurable budget to determine the final premium. The number of episodes and length of production rarely have an impact on price. The only time this would have an impact is if it were a very short shoot and we could offer a short-term policy. This type of policy would offer very limited coverages and would usually only offer coverage for 7 days or less.

In addition to the rate and net insurable, the insurance companies have a minimum premium that they have to charge for a policy to ensure they can cover all of the administration costs of issuing and servicing the policies. Their minimum premium threshold might cause two difference projects which have different budgets, to still have the same premium. This is usually the case in lower budget projects. The insurance company is stuck charging a minimum premium as they have to absorb the same administrative costs no matter what the budget of the production.

Related Post: FILM PRODUCTION INSURANCE PREMIUMS: ONE WAY TO SAVE MONEY

Related Video: WHAT IS A PREMIUM? WHAT IS A DEDUCTIBLE?

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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