David Hamilton

Recent Posts

VOLUNTEERS AND INTERNS ON SET: WORTH THE RISK?

Posted by David Hamilton on Sep 29, 2021 12:23:21 PM

VOLUNTEERS AND INTERNS ON SET

Insurance for Volunteers on Set

Work comp (WC) coverage provides medical costs, rehab costs, loss of future earnings and most importantly, once the injured employee accepts the WC benefits, they waive the right to sue their employer.

Work comp and interns information for BC

WorkSafeBC will not provide WC coverage to unpaid interns or volunteers: there are no wages to base loss of future earnings on.

Work comp and interns information for other provinces/states

Productions should consult with their respective provincial workers compensation boards to see if certain job classifications can be covered.

We suggest that you have the intern sign a waiver acknowledging the inherent dangers of a film set. A sample waiver can be obtained from your lawyer or we would be happy to send you one as well.

We can provide you with an accidental death and dismemberment (AD&D) policy for $75 per volunteer (cost subject to change) that will pay a cash settlement for a specific list of injuries ($50,000 for loss of eye, $100,000 for loss of leg, etc.); although, this in no way replaces WC. The injured intern could still sue the employer. For this reason, I would recommend against hiring a volunteer. Your film insurance does not provide work comp benefits for interns and volunteers.

Let us know if you would like us to send you an AD&D application. We need to know the name, nationality and dates of work for each of the volunteers.

Contact us now if you have any questions. 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment. Offices in: Vancouver, Toronto, Montreal, Halifax, NY, Nashville and LA.

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Topics: Intern Rights, Workers Compensation

DOC Report: What Are Film Festivals For?

Posted by David Hamilton on Sep 20, 2021 8:26:15 AM

DOC Report:
What Are Film Festivals For?

What Are Film Festivals For?

Source: Royalty-free stock photo, shutterstock_1192797694

Documentary filmmakers and producers, in case you missed it, we wanted to draw your attention to this informative report from the Documentary Organization of Canada (DOC) published in 2019: What Are Film Festivals For?

DOWNLOAD THE REPORT HERE

The report contains many interesting factoids, including this one: less than 10% of feature docs submitted to film festivals are selected for programming. (p. 6) The report suggests that perhaps the primary function of film festivals, then, is to focus the market’s attention on a small fraction of films. Download the report and find out how to improve the odds of your film being selected.

The report contains three interesting cases studies of documentaries that benefited from the Canadian film festival circuit: Cielo (2017), Mermaids (2017) and A Better Man (2017). The report describes how the producers of these films successfully raised financing, created marketing and distribution plans and leveraged film festivals (both Canadian and international) to gain traction.

DOC’s Festival Concierge Services

The rest of the report describes DOC’s festival concierge, which offers a number of helpful services to Canadian documentary producers, including submission-fee waivers and discounts for DOC members, assistance with marketing of films and access to a “Discoverability Lab” to connect with mentors.

Sean Farnel, DOC’s Festival Concierge Consultant, authored this report. This report relies on real world examples to give a picture of the film festival scene in Canada, while outlining how DOC’s festival concierge services can assist filmmakers.

Get Film Insurance | Short-Term Film Production Insurance | Film Equipment Insurance | Video Equipment Insurance | Film Screening Insurance

Front Row provides production and producer’s E&O insurance for: features, episodic television, docs, shorts and more. The next time you’re working on a film production, consider Front Row’s insurance policies:

Front Row’s Short Shoot insurance policy (Canada) is a good option for insuring your short-term film projects. Coverage for up to 15 consecutive days of filming. The coverage is available online, 24/7. Covers rented gear, rented locations, rented props, sets, wardrobes, and more. You can get a quote in two minutes and purchase a policy 100% online. If you are in the US, please complete this form.

Front Row’s DigiGear insurance policy (Canada) is a good option for insuring your filmmaking gear, including your film camera(s). Also available online. Quotes in 2 minutes; policies available in 5 minutes. Shop from your phone. If you are in the US, please complete this form.

In addition, film festivals should consider insuring their film screening events; movie theatre insurance can be purchased online in Canada.

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row works hard to provide insurance protection for the lowest possible cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment of claims. Offices in: Toronto, Vancouver, Montreal, Halifax, NY, Nashville and LA.

About: The Documentary Organization of Canada (DOC) is a non-profit organization representing the interests of independent documentary filmmakers in Canada. Founded in 1983.

Related posts:

Topics: Documentary Insurance, Festivals

FILM PRODUCTION INSURANCE PREMIUMS: ONE WAY TO SAVE MONEY

Posted by David Hamilton on Jun 29, 2021 2:33:12 PM

Save money on your film insurance premium

One of the simplest ways to reduce film production insurance premiums is to lower the net insurable budget. The net insurable budget is the amount left once various budget line items are removed from the definition of insurable costs. The rate that is negotiated with the insurance company is typically applied against the net budget; however, note that not all of the insurers rate on net insurable, as was the case a few years ago.

A typical rate might be .70 cents per hundred dollars of net budget, depending on the current insurance market conditions. To illustrate, let us assume a cable TV movie needs to be insured with a budget of $2,000,000. Typically, we would remove the following line items as costs that do not need to be insured:

  1. Story and scenario - we will assume this amount is $50,000 (I know, writers are never paid enough).
  2. Post-Production costs - we will assume this amount is $200,000

Claims that happen during post-production are covered; however, due to the low risk of claims in post, the insurance company does not apply rate to post costs, which is why it has been removed.

$2,000,000 less script and post costs leaves a net insurable budget of $1,750,000. $1,750,000 times the negotiated rate of .70 results in a premium of $12,250. If the net were less than $1,750,000, the premium would go down.

Other budget costs to consider removing from our sample budget might be:

  1. Producer fees ($50,000)
  2. Development ($20,000)
  3. Publicity ($5,000)
  4. Overhead ($35,000)
  5. 50% of contingency ($25,000)

Removing the above items would lower the net insurable budget by $135,000 to $1,615,000 and would result in a premium savings of $945.

Once the budgeted cost is removed from the net insurable budget, it is no longer insured in the event of a claim, so producers need to be sure before removing anything from the insured budget.

As specialized film insurance brokers, we can help guide you to an appropriate net insurable budget for your film production.

Related Posts:

Related Video: WHAT IS A PREMIUM?

Topics: Short Film Insurance, Film Insurance, Entertainment Insurance, Film insurance premium

Film Production Insurance and Renting Crew Personal Vehicles in Canada

Posted by David Hamilton on Jun 18, 2021 12:42:17 PM

Crew vehicles and third parties - insurance concerns

Crew vehicles and third parties - insurance concernsRoyalty-free stock photo ID: 1085625869, Shutterstock

If you plan to rent a vehicle from a crew member for your film production, there are some important steps to follow to ensure everyone is covered.

With respect to damage to the vehicle or third parties during shooting, there are two things to think about which are handled differently by insurance: damage to the vehicle itself; and damage to third party's property (Property Damage) or third parties themselves (Bodily Injury).

Scenario 1: Damage to the vehicle only

If production rents a vehicle from a rental car company, purchases the optional insurance, and adds all potential operators as drivers, then physical damage to the vehicle would be covered by the rental car policy. This would likely be your best bet as you can obtain coverage with no or small deductibles. As well, any accidents will not be charged against the driver's insurance, so they will maintain a clean driving record.

The production policy would also be in effect if, when using the driver's own vehicle, you had a deal memo with the driver stating that production was renting the vehicle.  However, the deal memo with the driver would also have to state that they are an employee of production for coverage to be in effect.

If the driver is operating their own vehicle, and you have no deal memo in place, you will not have any coverage for damage to their vehicle under your policy. Damage to their vehicle would have to be paid for by their own insurance policy (if they have physical damage insurance with the Insurance Corporation of British Columbia ICBC or another insurer), or by themselves if they have no policy. 

The production could always reimburse a driver for an incident: this is always a business decision for the production to make. In this scenario, the owner/driver is on their own. If production does decide to reimburse a driver for damage, you should have a release signed whereby the driver/owner agrees to hold the production harmless from any further claim. Otherwise, the driver could collect money from production, then claim from ICBC, and still come after production for compensation. Physical damage for rented vehicles either through Production Insurance or the Loss Damage Waiver purchased through a rental company should not respond any differently in Ontario.

Scenario 2: bodily injury or property damage

Considerations for Production Companies when renting crew vehicles in BC:

If the driver is operating their own vehicle, any third-party damage or injury will first be addressed by the driver/owner's insurance through ICBC.

There is a possibility that, in the event of injury or death suffered by a third party, the production or parent would find themselves the target of a lawsuit.

The production typically has Non-Owned Automobile Liability through their Commercial General (and Umbrella Liability policy if applicable) which will respond, subject to the terms and conditions of the policy, if the production is found liable for any bodily injury or property damage suffered by a third party. Note: in order for coverage to apply, the vehicle involved in the accident must be used on production and cannot be owned by the production or parent company.

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

Considerations for Production Companies when renting crew vehicles in QUEBEC:

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

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

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

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

Considerations for Production Companies when renting crew vehicles in Ontario:

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

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

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

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

related post:

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

RELATED LINKS:

Film Insurance 101 & How to Protect Your Film Project

Film Production Insurance: Why it is needed

Pre-Production Insurance

Film Production Insurance

How the Premium is Determined

Short Film Insurance

DigiGear Insurance

Props/Sets/Wardrobe Insurance

E&O Insurance

DICE Insurance

Third Party Property Damage

Crew Vehicles

Umbrella Vs. Excess Liability

Commercial General Liability

Negative Film / Videotape and Faulty Stock

Workers Comp

Cast Insurance

Extra Expense (EE)

Foreign Locations

Claims

Topics: Entertainment Insurance, Film insurance broker

Tips for Preserving Fine Art to Obtain the Best Art Insurance Premium

Posted by David Hamilton on Jun 7, 2021 7:04:33 AM

The Art of Art Care: Tips for Preserving Fine Art to Obtain the Best Art Insurance Premium

Tips for Preserving Fine Art to Obtain the Best Art Insurance Premium

Source: Royalty-free stock photo ID: 154962392, Shutterstock

The conservation of fine art in a gallery or museum is an important process to obtain the best insurance premium. Many different aspects can affect the appearance, value and longevity of artworks and antiques. By considering potential risks and being attentive to the requirements of the pieces, it is possible to maintain a collection that can be appreciated for years to come.

In addition to maintaining adequate insurance, here are several simple suggestions that will help prolong the life of your collection and your enjoyment of it.

Tips on protecting and preserving fine art collections | preserving artwork | art preservation | fine art presentation tips

  • Consider the best location in which to display your pieces. Fine art and collectibles are affected by light and temperature, so avoid damage by preventing direct exposure to sunlight and regulating the temperature of the display area to prevent humidity-related deterioration.
  • Ensure that pieces are framed correctly and mounted securely. Display objects in security cases that protect from environmental damage.
  • Handle pieces carefully. Incorrect handling accounts for the majority of damage caused to artworks. Most people know the story about Steve Wynne, his elbow and his Picasso.
  • Do not attempt to repair or restore any damage yourself. Hiring a restoration expert ensures professional results while preventing any further value loss.
  • Wrap and store art and valuables correctly. Avoid storage areas that are susceptible to leaking. Storing your collection in a suitable space will help preserve it.

Commercial Fine Art and Collectibles Insurance from Front Row Insurance

In spite of the best intentions, accidents do happen. Adequate Commercial Fine Art and Collectibles Insurance are essential for any museum, gallery or art school. Complemented with a little care, you will have a lifetime to appreciate them. Complete the form below to request a quote.

Topics: Art school insurance

US Filmmakers: Entertainment Insurance 101 (for Budgets under $100K)

Posted by David Hamilton on May 15, 2020 10:51:00 AM

US Filmmakers: Entertainment Insurance 101 (for Budgets < $100K)

FILM PRODUCTION INSURANCE 101 FOR US FILMMAKERS | USA FILM INSURANCESource: Shutterstock Royalty-free stock illustration ID: 735595339

So you wrote a killer script, put together a budget, found your talent, and you’re ready to shoot your first project. You set the dates, bright-eyed, excited, and you go to rent some production equipment, and maybe a couple of props or costumes.

You get the quote from the prop house, and it requires insurance. You call your personal auto insurance agent, and they don’t know how to help.

You scour blogs, resource pages, and ask your friends whom they talked to for their production insurance. Once you talk to a broker, it’s like they’re speaking a different language. You feel confused, frustrated – “I just want to rent some cameras and shoot!”

WHAT IS FILM PRODUCTION INSURANCE? | FILM PRODUCTION INSURANCE USA | US-BASED FILM PRODUCTION INSURANCE

At Front Row, we understand how confusing production insurance can be because many of us were filmmakers (in prior lives) and have been there ourselves!

Every film production insurance policy needs to be tailored to the company, or to the project if a short-term film policy. A film insurance policy is based on the best offerings from insurance companies that provide entertainment production coverage.

A SOLID FILM INSURANCE POLICY WILL PROTECT THE PRODUCER FROM:

  • liability related to injuries on set
  • accidents in working vehicles
  • theft
  • loss and damage of rented and owned equipment
  • can also protect producers from libel or copyright infringement claims

Pro Tip: If you are a producer on a project, you carry the majority of the responsibility if something goes awry. This huge responsibility can have financial, legal, even criminal ramifications to you personally.

So, now we know what production insurance is, or at least get the general idea. But just because you purchased insurance, don’t think that everything you touch will necessarily be protected.

AN OVERVIEW OF THE FILM INSURANCE POLICIES OFFERED BY FRONT ROW FOR US FILMMAKERS:

WHAT IS PRODUCTION EQUIPMENT INSURANCE?

Covers against risks of direct physical loss, damage or destruction to cameras, camera equipment, sound and light equipment, grip equipment, portable electrical equipment and generators, mechanical effects equipment and similar miscellaneous equipment.

This coverage also typically includes loss of use of property of others for which the renter or producer is legally liable. The limit of coverage for production equipment should be sufficient to cover the replacement cost of ALL equipment being used on the project. Most equipment rental houses will include in their contract a statement confirming the renter’s requirement to fully insure the equipment in their possession.

This coverage may also be known as Inland Marine, or Rented Equipment coverage. If there is a loss for an item you rented, the insurance company will pay the amount to replace it. When your broker asks you for a replacement value, they are not referring to how much you are paying to rent, but how much it would be to replace this item. If you ask most rental/prop houses, they will add it onto your invoice if it isn’t already noted. Note: When Rental Equipment Value is greater than $25K USD, General Liability is mandatory and cannot be removed.

What is an equipment floater policy?

If you own more than $5,000 USD in production equipment, it’s best to purchase a separate Annual Equipment Floater Policy that covers your Owned Equipment Worldwide. It’s much more cost effective than purchasing the coverage for one project.

Equipment Floater Policy US quote.

WHAT IS SHORT-TERM PRODUCTION (SHORT SHOOT) INSURANCE?

Short-Term Production Insurance is perfect for the new or indie filmmaker who may not have more than one project scheduled in the next six months. This coverage is ideal for singular projects and can satisfy insurance requirements from film schools, rental houses, permit offices, prop houses, and/or studio location rental space.

HOW MUCH DOES SHORT-TERM PRODUCTION INSURANCE COST?

Pricing starts at around $500 USD for minimal coverages. The premium amount for 1-10 days of coverage is the same price and it will increase with the more days you add, but 60 days is the maximum coverage period for short-term policies.

Short Shoot US quote.

WHAT IS DICE INSURANCE (ANNUAL)?

What's the difference between short-term production insurance versus annual?

Short-term production insurance covers your productions on a project-by-project scale. Purchased on this scale, short-term policies can cover as little as one day of production (although you should cover your prep days, too).

How much does annual DICE insurance cost?

Planning to shoot multiple times throughout the year, and have an estimated budget over $15K USD? Then you’ll want an annual (DICE) policy. This coverage can be much more cost effective than Short-Term Production Insurance. Pricing starts around $2,500 USD for the year. Financing may be available.

Although DICE policies can be completely customized to fit your productions need, the following coverage options are available:

WHAT IS FILM PRODUCER’S E and O INSURANCE?

If your project is being sold or distributed, Errors and Omissions (E and O) coverage may be for you; in fact, most distribution contracts will require this coverage. All television, streaming services, and feature films will require this coverage.

E and O coverage protects your production and covers any legal cost if another party accuses you of an unoriginal idea; e.g., title, characters, plots.

HOW MUCH DOES PRODUCER’S E and O INSURANCE COST?

Pricing starting around $3,000 USD for three years of coverage.

Film producer’s E&O US quote.

OTHER FILM INSURANCE COVERAGES TO CONSIDER:

GENERAL LIABILITY

Although film policies vary widely, you’ll always need general liability. General liability covers bodily injury and property damage that occurs during the course of filming. Cast and crew are exempt from this and covered separately through a workers compensation policy. This coverage is required by most city/county permit offices.

The standard minimum policy is $1 million USD, and when the location is open to the public or sells tickets, it quickly jumps into a $5 million USD umbrella. The umbrella covers the possibility that more than one person gets injured in the facility during filming or live shows.

Example: you are filming on a sidewalk and a bystander walks by and trips on a cable; this would be a loss that would be covered by general liability. Now, if a cast or crew member trips, that would not be covered under general liability; that would be workers compensation (see below).

WORKERS COMPENSATION

Workers compensation protects you should something happen to your employees on the job. It's important to go over how you are covering crew (employees) and independent contractors.

YOU NEED A WORKER COMPENSATION POLICY IF:

  • You work as an independent contractor or freelancer
  • You are paid full rate, no taxes withheld (from a provided invoice)
  • You provide the production with a W-9 for labor or labor & gear

YOUR WORKERS COMPENSATION POLICY:

  • Can cover your payrolled cast & crew, 1099 freelancers and volunteers
  • Can cover your working crew in periods outside of general production
  • Protects you from claims arising from injuries to your crew
  • Provides for you in the case of injury on the job
  • Covers medical costs, loss of work or death benefits if injuries occur on the job

Note: If there are Hazardous Activities/Scenes (e.g., animals, stunts, guns, fight scenes, car chases, water scenes, aerial shoots), then Workers Comp is excluded and cannot be added. You must obtain Workers Comp either through a payroll company or through your local State Fund (if in California, contact https://www.statefundca.com). This will take extra time, so if you have a shoot this weekend, you may want to reconsider how important that stunt is to the project.

THIRD PARTY PROPERTY DAMAGE

Legal liability for damage to or destruction of property belonging to others (including loss of use of the property) while the property is in the care, custody or control of the production company and is used or to be used in an insured production.

Physical damage to your location or other rented premises is not included unless Third Party Property Damage (TPPD) is purchased. If you are filming in a studio or using a platform like Peerspace for your project, this cover will most likely be required. Note: TPPD excludes the home/property of the producers, cast and crew of the project.

NON-OWNED/HIRED AUTO

Hired/Non-Owned Auto Liability covers damages and injuries sustained by other motorists that your production rental vehicle accidentally hits when your production is considered “At Fault”.

Hired/Non-Owned Auto Physical Damage covers accidental damages of the rental vehicle itself. The personal vehicles of the named insured/company owner and its officers are excluded. Personal auto insurance of cast/crew is primary coverage and Hired/Non-Owned Auto Liability of the production policy is excess/secondary coverage.

UMBRELLA LIABILITY

This policy provides additional limits to the general liability, auto liability, employers’ liability (under workers’ compensation policy) and third party property damage coverages. Some locations will require higher limits than the standard general/auto liability policy of $1mil USD.

GUILD/UNION TRAVEL ACCIDENT

Provides travel accident coverages (accidental death and dismemberment) as required by the guild or union contracts to which the producer is signatory. Coverage is blanket and the limits of liability meet all signatory requirements. Coverage may be extended to non-union employees, usually with a benefit limit of $50K USD each person.

PRODUCTION PACKAGE

A production package is an accumulation of coverages to protect multiple or singular projects such as features, TV series, or documentaries. If you have an annual gross production cost over $100,000 USD and are looking for annual coverage, a production package will be necessary.

Note: Most carriers do not sell just the production package; you most likely will be required to purchase general liability as well. Minimum premiums start around $6,000 USD. Some coverages available in a production package are:

Cast Coverage Example: the lead actor of your feature is running three hours late and may not come in because they have food poisoning. Your cast, crew, makeup artists have all shown up and are waiting. Cast Coverage would cover any loss associated with the actor not being present; expenses for that shoot day would be covered.

Negative Film — direct physical loss, damage or destruction of raw film or tape stock, exposed film (developed or undeveloped), videotape, matrices, lavenders, positives, inter-positives, working prints, cutting copies, fine grain prints, color transparencies, cells artwork and drawings, hard drives, software and related materials used to generate computer images, and soundtracks and tapes, up to the amount of the insured production cost.

Negative Film Example: you just wrapped up all the post work on a TV series and are running late to go meet a potential investor for coffee. You ask the new PA to hand-deliver the hard drive to the network, which is a few blocks away. The PA receives a phone call, leaves the hard drive on the roof of the car, and drives away… Negative Film would cover up to the gross production cost in the case of a loss.

Faulty Stock — loss, damage, or destruction of “negative film” caused by or resulting from fogging or the use of faulty materials (including cameras), faulty sound equipment, or faulty developing. Faulty coverage does not include loss caused by errors of judgement in exposure, lighting or sound recording; from the use of incorrect type of raw stock; or faulty manipulation by the cameraman unless a separate extension is included in coverage.

Props, Sets, and Wardrobe — provides coverage on props, sets, scenery, costumes, wardrobe and similar property against risks of direct physical loss, damage or destruction during the specified production period, subject to certain policy exclusions. Coverage for jewelry/furs/fine art is included with sub-limits. Animals can also be added. Coverage may also include loss of use of property of others for which the production is legally liable.

Miscellaneous Equipment — covers against direct physical loss, damage or destruction of camera, sound and lighting equipment, portable electric equipment and generators, mechanical effects equipment, grip equipment, and similar equipment for which the production company is legally liable. Coverage may include loss of use of property of others for which the production is legally liable. This coverage generally extends to cover physical damage to rented vehicles also.

Extra Expense — indemnifies the insured for extra expense incurred as a result of interruption, postponement or cancellation of a declared production as a direct and sole result of loss of (including damage to) property or facilities contracted by the insured (props/sets/wardrobe, miscellaneous equipment, third party property) in connection with the production insured. Coverage extensions are available for civil authority, ingress/egress, imminent peril, power interruption and strikes.

Office Contents — provides coverage on office property and computers, including laptops and similar property against risks of direct physical loss, damage or destruction during the specified production period.

Money & Currency — provides coverage for actual physical loss of funds during production (i.e., petty cash) against robbery, theft, embezzlement, or forgery of checks.

Q: Still have questions about your project, or have a specialty risk? No problem. US-based filmmakers can contact the LA office:

14156 Magnolia Blvd., Suite 200
Sherman Oaks, CA 91423
PH: 424 529 6701
Email: LAoffice@frontrowinsurance.com

If calling from the United States, contact:
Mike Groner
Ph: 424-529-6704
Email: mike@frontrowinsurance.com 

for California:
Kathryn Hoffman
Ph: 424-644-1411
Email: kathryn@frontrowinsurance.com

Kent Hamilton
Ph: 424-529-6700
Email: kent@frontrowinsurance.com

Doug Hodges
Ph: 424 329 2480 
Email: doug@frontrowinsurance.com

for New York:
Stacie O'Beirne
Ph: 646-849-4114
Email: stacie@frontrowinsurance.com

for Nashville:
Tom P. Corley
Ph: 615-326-4226
Email: tom@frontrowinsurance.com

RELATED:

Getting a film permit in Los Angeles / film permits LA

Book on Amazon: Film Insurance 101

FREE eBook: E&O Insurance 101

Topics: Short Film Insurance, Film Producer's E&O Insurance, DICE Insurance, US Film insurance broker, Non-owned auto insurance, Third Party Property Damage, Workers Compensation

Announcement on New Hire Leanne Savoie – David Hamilton CEO

Posted by David Hamilton on Feb 19, 2020 6:30:31 AM

Announcement – David Hamilton CEO

LEANNE SAVOIE

Leanne Savoie

Front Row is pleased to announce Leanne Hussey Savoie has joined the Vancouver office as a Vice President effective February 18, 2020.

Leanne obtained her license as a Registered Insurance Broker in Ontario in 1990, attained her Canadian Accredited Insurance Broker designation in 1995 and her Chartered Insurance Professional designation in 2006. Before joining Front Row, she worked at HUB International for ~2 years as an Entertainment Account Manager focusing on Film, TV & Multimedia insurance risks.

Leanne also worked at Aon/Ruben-Winkler for 10 years, alongside Darlene, specializing in Entertainment Insurance and at First Durham Insurance & Financial for 4 years as a Commercial Lines Account Executive.

Leanne’s staff page

Leanne will report to Meghan Stickney. She can be reached at: Leanne@frontrowinsurance.com
Please join me in welcoming Leanne to the Front Row crew!

David Hamilton
CEO

Announcement on New Hire Alyson Locacciato – David Hamilton CEO

Posted by David Hamilton on Feb 14, 2020 6:14:22 AM

Announcement – David Hamilton CEO

Alyson Locacciato

Alyson Locacciato

Front Row is pleased to announce Alyson Locacciato has joined our LA office as an account executive.

Alyson is an experienced broker (California property & casualty license). She worked at American Entertainment Insurance Services for ~2 years before joining Front Row. She specialized in: short shoots, events and DICE clients.

Alyson is gifted at connecting with entertainment clients: she is knowledgeable about production and passionate about film and TV. She is service-oriented and quality-focused with a demonstrated history of success.

Alyson’s staff page

We’re confident that Alyson will add a lot of value to the Front Row Insurance team and we look forward to her contributions. Please join me in welcoming her to our crew!

Event Insurance Program Now Includes Lowered Rates for Places of Faith

Posted by David Hamilton on Oct 8, 2019 6:18:52 AM

Front Row Updates Online Event Insurance Program to Include Lowered Rates for Places of Faith

Regeneration Works: Places of Faith

Vancouver, Canada – October 8, 2019 – Front Row Insurance Brokers Inc. is excited to announce that its online event liability insurance program is now available to the Faith & the Common Good network and National Trust for Canada members (together, Regeneration Works: Places of Faith) and their third party user groups.

The online event liability insurance policy is available in all provinces and territories in Canada.

Available online in less than 5 minutes; policies start at $25 and certificates proving coverage for the venue are free. A no-obligation quote is available any time of the day or night in less than 3 minutes here: https://www.frontrowinsurance.com/regeneration-works-event-insurance

Up to $5,000,000 in liability insurance is available. Costs arising from injury to guests and staff are insured. The protection in the policy will also cover lawyer costs.

“We wanted to make the insurance process easier, faster and less expensive for people who utilize short term space in faith buildings,” says David Hamilton, President of Front Row. “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process online event insurance is much less and we have passed the savings onto the customer of the short term rental. Although the policy is online, we are still available to answer questions by chatbot, email or over the phone.”

“If you’re an administrator of a spiritual venue of any kind, chances are you’ve been asked to share your venue for special events such as: weddings, birthday parties, meetings, yoga classes or workshops,” continues Hamilton. “We recognized that the many beautiful places of faith need to be protected, so we created special rates in our online event insurance program specifically for them.”

Available to buy online at https://www.frontrowinsurance.com/regeneration-works-event-insurance, Front Row’s event insurance policy also protects: anniversary parties, bar & bat mitzvahs, book signings, fashion shows, lectures, film screenings, holiday parties and more.

“Having worked with faith communities across Canada, it has become clear to our two organizations that quick, reliable access to insurance for third party users is a barrier to the sharing of faith buildings,” says Kendra Fry, advisor to the Regeneration Works: Places of Faith program. “We wish to encourage the broader use of these buildings, so we’ve worked alongside Front Row to devise an online portal to be used by any user of faith buildings. With this tool at their disposal, faith communities should be able to open their space to more good community works.”

Download PDF here

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About: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts, entertainment and faith communities to provide insurance for the lowest cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Los Angeles. Visit their website at https://www.frontrowinsurance.com.

About: Faith & the Common Good is a national, interfaith charitable network founded in 2000 on the belief that our diverse faith congregations and spiritual communities can be powerful role models for the common good. FCG supports diverse faith and spiritual communities to contribute towards greener, healthier, more resilient neighbourhoods. Visit their website at https://www.faithcommongood.org.

About: National Trust for Canada is a national charity that leads and inspires action for places that matter. Our sites, projects and programs engage Canadians, enhance local identity, and bring heritage to life. Visit their website at https://nationaltrustcanada.ca.

For more information, contact:      
David W. Hamilton, President + CEO
602-1788 W Broadway
Vancouver, B.C., V6J 1Y1
P 604 684 3456
david@frontrowinsurance.com

Regeneration Works: Places of Faith

Topics: Event insurance

Are you renting out your church, mosque or other place of worship?

Posted by David Hamilton on Feb 27, 2019 2:31:44 PM

Are you renting out your church, mosque or other place of worship?

Church worship image

For members of Faith & the Common Good OR National Trust for Canada/Regeneration Works, click here for discounted rates on event insurance. Member of another faith-based association? Click here to purchase event insurance.

Renting out your faith-based venue? Here’s what you need to know about making sure your renters are able to prove to you the insurance protection you deserve.

If you are an administrator of a church, mosque, synagogue or spiritual venue of any kind, chances are you’ve been asked to rent out your venue for special events such as weddings, birthday parties, meetings, yoga classes or workshops.

Renting your venue is a great way to support your organization’s financial needs and goals but it does come with few warnings and precautions. Whether you’re renting out a small meeting room in your facility or the main hall for thousands of guests, having the right insurance protection ensures you are covered for damage or total destruction of your spiritual space.

The most important way to protect your venue is to ensure whoever is renting from you has the right level of insurance. They need to purchase insurance that considers the following:

    1. Your venue’s capacity and the number of people attending.
    2. Type of event. Are you hosting a wedding, a charity fundraiser, a music show or political workshop?
    3. Will the event include outside food sales or concessions involving alcohol. If alcohol is involved, then liquor liability should be purchased.
    4. Key characteristics of your building with respect to rebuilding or repairing damage done by the short term tenant. Have your renter choose a liability limit sufficient to put the facility back into the same shape it was before it was damaged.
    5. Equipment rental coverage. Your renters need to be sure they are covered in case any of the rentals are damaged so that you are not asked to pay for the damage.
    6. Staff safety. Your renter needs to ensure they have full coverage in case anyone gets hurt or injured at their event so that the venue owner is not left paying the medical bills and loss of future earning for the injured person.

Making sure your next renter has the right level of Event Insurance will give you peace of mind that you’re covered in the event that anything goes sideways, which does happen more often than you’d think. We’d love to be your go-to provider. Front Row offers the simplest, most affordable and comprehensive packages available- and you don’t need to meet up in person with us. You can get a quote online in a couple minutes, and a policy is available online in less than 8 minutes - 24/7. Send your next renter our way to our online site to ensure they- and you- are fully covered. If they want to speak in person, we are always happy to pick up the phone.

To get a quote online, in under 5 minutes click here!

Are you in the US? Wedding insurance in the US can be arranged quickly through our online program. Only available in California, New York and Texas at this time. Check back soon for more availability.

Topics: Venue insurance, Event insurance