Mike Groner

Recent Posts

3 Reasons to Buy Online Insurance for Weddings from Front Row

Posted by Mike Groner on Dec 8, 2017 11:29:34 AM

3 Reasons to Buy Online WEDDING Insurance from Front Row:

  1. Wedding insurance allows you to relax and enjoy the big day. Weddings cost an  average $30,159 in Canada. The hall, the food, the DJ, flowers, photos and all the other costs add up to an expensive day. Wedding insurance provides you with peace of mind in two ways. Wedding property insurance  provides coverage for damage to: your wedding attire, lost/stolen gifts, photographs,– even wedding ring insurance and more. Wedding liability insurance covers you when you are legally responsible for injury or damages that occur at your wedding. If one of your yoga teacher guests slips on spilled wine and tears knee ligaments and cannot work they may sue you for lost income and rehab / medical costs. Wedding liability insurance also provides a lawyer to defend you.
  2. Online Insurance for WeddingMany wedding venues require that you show evidence of wedding liability insurance. Many venues do not want to be responsibility for situations that happen at your wedding that cause damage to their venue or injury to your guests. This means requiring short-term event insurance from you – the tenant of their venue. Check your venue contract to see if you are responsible for providing a wedding liability certificate to your venue owners.
  3. What happens if one or more of your vendors is a no show. Wedding insurance can financially protect you against unreliable vendors that don’t show.

Front Row Insurance Brokers offers online wedding event insurance (Canada).

Get a Quote in 2 Minutes  ➲

Protect your special day in less than 6 minutes and pay with a credit card. Our wedding insurance cost starts as low as $105 CAD (subject to change). Quotes take 2 minutes and are offered free without obligation on our online site.

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: wedding insurance

Why you should consider purchasing wedding insurance

Posted by Mike Groner on Dec 6, 2017 4:39:32 PM

PURCHASING WEDDING INSURANCE

CONSIDER PURCHASING WEDDING INSURANCEPlanning a wedding? There are many risks associated with hosting a wedding: your guests may damage the venue or the rented furniture or the sound system. Your guests could trip on temporary carpeting or a wine spill on the dance floor and injure themselves.

When hosting a wedding, most banquet halls and venues will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.

Front Row Insurance Brokers offers online wedding insurance (Canada) in minutes:
Policies start at $105 CAD and certificates for your wedding venue and vendors are free.

Get a Quote Online In 2 Mins.
 

If you will be serving alcohol at your wedding make sure that you request venue alcohol liability – available through our online site . Remember, as a renter you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your wedding and harm themselves or someone else.

It’s always good planning to have wedding insurance because you never know when something unexpected may occur. Wedding insurance will allow you to fully enjoy your special day.

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: wedding insurance

COMMERCIAL GENERAL LIABILITY EXPLAINED | CGL IN FILM PRODUCTION

Posted by Mike Groner on Jul 21, 2016 9:39:57 AM

Commercial General Liability - camera

Commercial General Liability (CGL) in film production, us and canada

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

This coverage will be required prior to filming on any city or provincial roadways, or any locations/sites requiring filming permits.

Coverage can be amended to include an international indemnification clause, which can provide indemnification for suits brought forth against the production company outside Canada or the USA.

There is limited or no coverage for claims arising out of the use of motor vehicles, aircraft, watercraft or snow machines under a Commercial General Liability policy. Your broker should be advised if you plan to use any of these types of machinery so that your coverage options can be explained to you. Coverage may require the purchase of an additional policy.

To obtain a no-obligation insurance quote for your project, please click on one of the links below:

Short-Term Production Insurance:Coverage can include Commercial General Liability, Film Equipment Insurance, Props/Sets/Wardrobe coverage, Automobile Physical Damage and more.

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

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: Film Production, Third Party Property Damage

Negative Film and Faulty Stock / Equipment Insurance Explained

Posted by Mike Groner on Jul 21, 2016 9:35:13 AM

Film negative

Negative Film & Faulty Stock Insurance

Negative Film / Videotape and Faulty Stock / Camera & Processing Equipment Insurance can be put in place to cover the additional expenses/costs that a production company could incur in order to re-shoot/edit footage due to a loss.

NEGATIVE, FILM, & VIDEOTAPE INSURANCE:

Coverage against all risks of direct physical loss, damage, or destruction of digital media, raw film or tape stock, exposed film (developed or undeveloped), recording videotape, sound tracks and tapes, up to the amount of the insured production cost.

  • Coverage does not include: loss caused by fogging; faulty camera or sound equipment, faulty developing, editing, processing, or manipulation by the cameraman; accidental exposure to light, dampness or temperature changes; or errors in judgment in exposure; lighting or sound recording, or from the use of incorrect type of camera, lens, raw film or tape stock.

FAULTY STOCK, CAMERA, & PROCESSING INSURANCE:

Covers loss, damage or destruction of digital media, raw film or tape stock, exposed film (developed or undeveloped), recorded video tape, sound tracks and tapes, caused by or resulting from fogging or the use of faulty equipment (including cameras and video tape recorders); faulty sound equipment; faulty developing; faulty editing and faulty processing; and accidental erasure of video tape recording.

  • Coverage does not include: loss caused by errors of judgment in exposure, lighting or sound recording, from the use of incorrect type of camera, lens, raw film or tape stock.
  • This coverage can only be purchased with Negative, Film, and Videotape coverage. 

No coverage applies unless ALL equipment is fully tested and proved to be sound at the commencement of filming / taping.

Did You Know?

Most broadcasters and financing bodies require the limits for Negative Film & Videotape & Faulty Stock Camera & Processing coverages to be the full limit of the budget.

To obtain a no obligation insurance quote for your project, please click on one of the links below:

Short-Term Production Insurance:Coverage can include Commercial General Liability, Film Equipment Insurance, Props/Sets/Wardrobe coverage, Automobile Physical Damage and more.

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

Related Post: Camera and Film Processing Insurance

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

FOREIGN LOCATIONS explained

Posted by Mike Groner on Jul 21, 2016 9:34:37 AM

Foreign location filming

Foreign Film Insurance Coverages

When production activities occur outside of the US or Canada, there may be additional insurance coverages that are either mandatory or that should be considered. Requirements and recommendations will vary depending on the country in question and the type of activity occurring there. A list of some of the most commonly purchased coverages outside of the US or Canada are as follows:

  • Foreign Voluntary Workers Compensation
  • US Auto Liability
  • Foreign Difference in Conditions/ Excess Auto Liability Insurance
  • Out-of-Country Medical Insurance (if Canadian, you'll require out-of-country medical in the US)
  • Locally Admitted Foreign Liability Insurance
  • Political Risk/ War Risk Insurance
  • Civil Commotion/Riot Insurance
  • Weather Insurance
  • Kidnap & Ransom Insurance

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

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

THIRD PARTY PROPERTY DAMAGE LIABILITY (TPPD INSURANCE) EXPLAINED

Posted by Mike Groner on Jul 21, 2016 9:31:43 AM

Third party property filming
Third Party Property Damage (TPPD) in film production insurance

Third Party Property Damage Liability coverage provides insurance for the damage or destruction of property of 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 is to be used in an insured production. This coverage is primarily purchased in relation insuring against damage to a film location.

Third Party Property Damage Liability may also be extended to cover damage to buildings and contents rented as living quarters for cast & crew during a production.

This coverage does NOT apply to liability arising out of damage to Equipment, Prop/Sets/Wardrobe, Office Contents, Motor vehicles, Aircraft or Watercraft.

This type of exposure is NOT covered under a Commercial General Liability policy. Property Damage coverage written as part of the Commercial General Liability Policy excludes damage to any property in the production company’s care, custody or control.

EXTRA EXPENSE INSURANCE

Extra Expense insurance reimburses the production company for any extra expense the company incurs in order to complete principal photography due to loss of, damage to or destruction of property or facilities contracted for use in connection with the production. Property could include items such as equipment, sets or locations.

Coverage can also be extended on some policies to respond to extra expenditures incurred because of delays due to a civil authority preventing access to a location, mechanical breakdown of camera equipment, or disruption of outside power.

To obtain a no-obligation insurance quote for your project, please click on one of the links below:

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

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: Extra Expense Coverage, Third Party Property Damage, insurance for film set

Automobile Insurance for Films | Car Insurance for Film Productions

Posted by Mike Groner on Jul 21, 2016 9:31:02 AM

AUTOMOBILE Physical damage INSURANCE

Automobile Physical Damage Insurance for Producers | Picture Car Insurance

Covers hired automobiles which are the property of others and for which the insured is liable and which are lost, damaged or destroyed during the term of coverage while such property is used or to be used in connection with the declared production.

Coverage is only for damage to hired vehicles. Auto Liability coverage needs to be provided by the owner of the vehicle or through the purchase of a separate Auto Liability policy.

Stunt and precision driving is typically excluded on policies. Can be removed with details on the work being performed.

There is typically no age restriction on age of driver for this coverage. However, restrictions may be imposed by the rental company.

Non-owned & Hired Automobile liability Insurance for Production Companies

Provides coverage for the policy holder’s legal liability imposed by law for loss arising from the use or operation of any automobile not owned in whole or in part or licensed in the name of the policy holder (Production) and resulting from bodily injury to or death of any person or damage to property of others not in the care, custody or control of the policy holder.

Coverage applies to vehicles not owned by the policy holder or any partner, officer or employee.

Coverage typically applies within Canada or the USA only.

Picture car insurance Canada, USAPicture Car Insurance in Canada and USA

We're able to insure picture cars in Canada and the USA under production insurance / Commercial Vehicle Physical Damage (CVPD). Contact us to discuss.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Short-Term Production Insurance:Coverage can include Commercial General Liability, Film Equipment Insurance, Props/Sets/Wardrobe coverage, Automobile Physical Damage and more.

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package: A convenient way of administering insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

Related:

I AM RENTING A CAR (IN CANADA) FOR MY PRODUCTION – WHAT DO I NEED?

Topics: non-owned auto insurance, automobile insurance for films

Film and TV Industry Workers’ Compensation Explained

Posted by Mike Groner on Jul 21, 2016 9:30:21 AM

Workers Compensation for Film Crews

Film & TV Industry Workers’ Compensation Explained

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

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

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

The benefit to the producer is that once the injured crew member accepts the workers’ comp benefits, they usually waive the right to sue the producer. This is good insurance for the producer.

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

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

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

GUILD / UNION TRAVEL ACCIDENT

Provides Motion Picture/Television (IATSE/NABET/SAG/DGA) and other Guild or Union contract requirements for accidental death, dismemberment and/or disability insurance to all production company cast or crew members. Coverage is blanket and the limits of liability meet all signatory requirements. It covers various modes of transportation; including extra-hazardous work, underwater filming, etc. as recited in various Guild agreements.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package: A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers lower budget Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

RELATED BLOG POSTS

FILM PRODUCTION CREW: ALWAYS ASK IF YOU ARE COVERED BY WORKERS COMP
 
FOCUS ON SAFETY TO REDUCE FILM PRODUCTION WORKERS COMPENSATION CLAIMS
 

Topics: Cast Insurance, Workers Compensation

Production Equipment and Props/Sets/Wardrobe Insurance Explained

Posted by Mike Groner on Jul 20, 2016 3:36:37 PM

PRODUCTION EQUIPMENT & PROPS/SETS/WARDROBE INSURANCE

PRODUCTION EQUIPMENT INSURANCE:

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

Equipment owner operator insurance offered for Canadian film producers.

Most equipment rental houses will include in their contract a statement confirming renter’s requirement to fully insure the equipment in renter’s possession. 

Did You Know?

If you are using an individual’s personal equipment, and your intent is to cover it while it is being used on the production, a contract must be executed to define your obligations as the insurer will look to your legal obligation to trigger coverage.

 

Wardrobe

PROPS, SETS & WARDROBE (PSW) INSURANCE:

Provides coverage on props, sets, scenery, costumes, wardrobe and similar property against all risks of direct physical loss, damage, or destruction during the production.

There are typically restrictions or sub-limits under props/sets/wardrobe coverage for boats, train, planes, antiques, artwork.

Did You Know?

The insurance company will look for your legal obligation to provide coverage, so if your intent is to insure property being used for PSW, then we recommend that a legal contract be executed to define your obligation.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Short-Term Production Insurance:Coverage can include Commercial General Liability, Film Equipment Insurance, Props/Sets/Wardrobe coverage, Automobile Physical Damage and more.

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

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: Film equipment insurance, insurance for film set

Front Row Insurance Expands to Nashville - Welcoming Tom Corley

Posted by Mike Groner on Mar 4, 2016 4:55:28 PM

MUSIC INDUSTRY INSURANCE VETERAN TOM CORLEY

Front Row Insurance, specialized entertainment insurance brokers, is pleased to announce the opening of its new Nashville office to be headed by experienced entertainment professional, Tom Corley. Front Row is a specialized insurance broker with offices in Vancouver, Toronto, Montreal and Los Angeles.

Tom Corley InsuranceWith over 25 years of experience, Corley has worked in the music industry alongside artists Ronnie Milsap, Waylon Jennings, Dixie Chicks, Faith Hill, Dolly Parton, Kenny Chesney, Restless Heart, and many others. As a Producer for AEG Live and TBA Entertainment, he handled many tours including the CMT Tour featuring Brad Paisley, Keith Urban, Miranda Lambert and Rascal Flatts, Reba/Kelly Clarkson Tour, and Kenny Chesney’s Stadium and New Year’s Eve concerts. In 2001, Corley also assisted and relocated the CMA Music Festival performance stages from the Tennessee State Fairgrounds to the stadium downtown and worked there for the first two years.

“We are delighted to welcome Tom into Front Row," said David Hamilton, President of Front Row Insurance Brokers. "Tom's long history as one of the top tour managers in the world gives Front Row a deeper practical understanding of the risks our clients face associated with touring and live events. Tom is a rare expert that can identify the risks of the music industry that should be transferred to the insurance companies: new and existing clients will benefit from Tom's expertise. Front Row is a specialized entertainment insurance broker: our volume with the insurance companies will allow Tom to offer his clients the best protection at the best possible premiums available in the marketplace. Everyone working in the music industry that seeks Tom out will be better protected and a lot happier after hearing some of his entertaining stories!"

Corley’s new role is effective immediately and he is looking forward to putting his skills and experience to good use. “For over 25 years, I purchased this type of insurance and I am now delighted to offer these products to my peers in the entertainment industry,” says Corley. “With Nashville’s continuous growth in the entertainment industry, everyone in the music and film industry, theatre companies, and photographers can now get expedient, affordable entertainment coverage they need with Front Row.”

Topics: musical instrument insurance, band tour insurance