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So, we’re on both sides of the border. We do 100% entertainment. Of that, probably 80% is for the film industry and then we also do live theatre, touring and other entertainment-related risk. We don’t do “any and all” things insurance; you’re not going to come to us for your auto or home insurance, for example.</p>\n<p><strong>Colby</strong>: And just to be clear: you’re brokers, right? So, that’s different than insurance companies (insurers). You’re negotiating with the insurers to obtain solutions for your clients.</p>\n<p><strong>Mike</strong>: That’s correct, we do not work for the insurance companies; we work for the production companies and producers. So, we work on their behalf to get them the best possible insurance coverage at the best price.</p>\n<p><strong>Colby</strong>: Kind of like a mortgage broker would be, right? You’re representing the production to the insurance companies.</p>\n<p><strong>Mike</strong>: We really do become part of the crew. I mean, we’re interacting with the producers, filmmakers and location managers on a daily basis from three- or four-weeks during prep all the way to delivery to the broadcasters. So, we’re playing a role as one of the crew members.</p>\n<p><strong>Colby</strong>: And all sizes of production, right? $2,000 to $200 million budgets, right?</p>\n<p><strong>Mike</strong>: Yes, we do everything from a student film shooting for two days on a weekend to $150 million large-scale TV series and everything in between.</p>\n<p><strong>Colby</strong>: That’s good to know because if you’re an indie filmmaker and you don’t know where to start, some might think that a corporate entity as large as Front Row might not give them the time of day.</p>\n<p><strong>Mike</strong>: We try to make it as easy as possible for a new filmmaker to obtain insurance. Usually, they don’t even consider the need for insurance until they walk up to an <a href=\"https://www.frontrowinsurance.com/en/equipment-rental-house-insurance\">equipment vendor</a> and the vendor asks, <em>“where is your insurance? We’re not giving you the camera without your insurance.”</em> For that purpose, we’ve created automated solutions (such as <a href=\"https://shortshoot.frontrowinsurance.com/\">short shoot insurance</a>) where a filmmaker can go online and purchase insurance on their phone while standing at the desk of a vendor, hand over the certificate and walk out with the equipment.</p>\n<p><strong>Colby</strong>: Insurance can be daunting and it’s this big scary corporate word and you’re like <em>“ohh, I don’t know, what do I pay, it’s going to cost so much money and if I want to insure this little thing I’m doing, it’s going to be thousands of dollars”</em> but I realized on your site that that’s just not the case. It can be quite efficient and reasonable and provides a lot of peace of mind.</p>\n<p><strong>Mike</strong>: Absolutely, and the fact is, most people don’t buy insurance until they have to have it, until someone tells them, <em>“you can’t shoot here unless you have location insurance and you can’t take out this camera unless you have property insurance.” </em>And that’s why we’ve made it so easy and most film packages come with a minimum million-dollar limit for equipment but, you know, a UBC student who is renting a $20,000 camera doesn’t need a million of equipment coverage; s/he needs $20,000 of coverage. So, we made short shoot insurance allows them to just buy what they need for the number of days they need it, and that’s all they’re charged for.</p>\n<p><strong>Colby</strong>: Yeah, so kids, do it. Get the insurance, don’t cut corners. Gear has come way down too; I remember when camera packages were way more than a lot of them are now. We’ve come a long way with technology.</p>\n<p><strong>Mike</strong>: We have, although there is still a chip shortage, and inventory shortage out there as a result of COVID, but hopefully that’s going to fix itself over the next six- to eight-months and everyone’s inventories will be replenished.</p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US? </span>Get a quote for <a href=\"https://www.frontrowinsurance.com/en/film-production-insurance\">film production insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</a></li>\n<li><a href=\"/articles/articles/bid/80676/digital-film-insurance-and-the-future\" rel=\"noopener\">Digital Film Insurance and the Future | Digital Media Insurance</a></li>\n<li><a href=\"/articles/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Civil Authority Coverage for Film Productions</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the </span><a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\" style=\"font-style: italic;\">Vantropolis podcast</a></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: 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.</span></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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.</span></p>","head_html":"<!-- START - Generated by ClassySchema.org on Thu, 20 Apr 2023 18:35:53 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"https://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"Front Row Insurance: We’re Brokers, Not Insurers | The Difference Between a Broker and an Insurer\",\n\t\"description\": \"Content courtesy of the Vantropolis podcast: https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\",\n\t\"thumbnailUrl\": \"https://i.ytimg.com/vi/qLfNKntYN00/mqdefault.jpg\",\n\t\"duration\": \"PT4M36S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=qLfNKntYN00\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/qLfNKntYN00\",\n\t\"uploadDate\": \"2023-04-20\",\n\t\"potentialAction\": {\n\t\t\"@type\": \"SeekToAction\",\n\t\t\"target\": \"https://youtu.be/qLfNKntYN00?t={seek_to_second_number}\",\n\t\t\"startOffset-input\": \"required name=seek_to_second_number\"\n\t}\n}\n</script>\n<!-- END - Generated by ClassySchema.org-->","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\" ><h2>The Difference Between a Broker and an Insurer</h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" xml=\"lang\" src=\"https://www.youtube.com/embed/qLfNKntYN00?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Colby Spencer</strong>: Why don’t you just give people a quick rundown of Front Row.</p>\n<p><strong>Mike Groner</strong>: Sure, we are an entertainment brokerage; we’re primarily based in Canada (main offices in Vancouver, Toronto, Montreal) and then we have offices in New York, LA, Colorado and Florida. So, we’re on both sides of the border. We do 100% entertainment. Of that, probably 80% is for the film industry and then we also do live theatre, touring and other entertainment-related risk. We don’t do “any and all” things insurance; you’re not going to come to us for your auto or home insurance, for example.</p>\n<p><strong>Colby</strong>: And just to be clear: you’re brokers, right? So, that’s different than insurance companies (insurers). You’re negotiating with the insurers to obtain solutions for your clients.</p>\n<p><strong>Mike</strong>: That’s correct, we do not work for the insurance companies; we work for the production companies and producers. So, we work on their behalf to get them the best possible insurance coverage at the best price.</p>\n<p><strong>Colby</strong>: Kind of like a mortgage broker would be, right? You’re representing the production to the insurance companies.</p>\n<p><strong>Mike</strong>: We really do become part of the crew. I mean, we’re interacting with the producers, filmmakers and location managers on a daily basis from three- or four-weeks during prep all the way to delivery to the broadcasters. So, we’re playing a role as one of the crew members.</p>\n<p><strong>Colby</strong>: And all sizes of production, right? $2,000 to $200 million budgets, right?</p>\n<p><strong>Mike</strong>: Yes, we do everything from a student film shooting for two days on a weekend to $150 million large-scale TV series and everything in between.</p>\n<p><strong>Colby</strong>: That’s good to know because if you’re an indie filmmaker and you don’t know where to start, some might think that a corporate entity as large as Front Row might not give them the time of day.</p>\n<p><strong>Mike</strong>: We try to make it as easy as possible for a new filmmaker to obtain insurance. Usually, they don’t even consider the need for insurance until they walk up to an <a href=\"https://www.frontrowinsurance.com/en/equipment-rental-house-insurance\">equipment vendor</a> and the vendor asks, <em>“where is your insurance? We’re not giving you the camera without your insurance.”</em> For that purpose, we’ve created automated solutions (such as <a href=\"https://shortshoot.frontrowinsurance.com/\">short shoot insurance</a>) where a filmmaker can go online and purchase insurance on their phone while standing at the desk of a vendor, hand over the certificate and walk out with the equipment.</p>\n<p><strong>Colby</strong>: Insurance can be daunting and it’s this big scary corporate word and you’re like <em>“ohh, I don’t know, what do I pay, it’s going to cost so much money and if I want to insure this little thing I’m doing, it’s going to be thousands of dollars”</em> but I realized on your site that that’s just not the case. It can be quite efficient and reasonable and provides a lot of peace of mind.</p>\n<p><strong>Mike</strong>: Absolutely, and the fact is, most people don’t buy insurance until they have to have it, until someone tells them, <em>“you can’t shoot here unless you have location insurance and you can’t take out this camera unless you have property insurance.” </em>And that’s why we’ve made it so easy and most film packages come with a minimum million-dollar limit for equipment but, you know, a UBC student who is renting a $20,000 camera doesn’t need a million of equipment coverage; s/he needs $20,000 of coverage. So, we made short shoot insurance allows them to just buy what they need for the number of days they need it, and that’s all they’re charged for.</p>\n<p><strong>Colby</strong>: Yeah, so kids, do it. Get the insurance, don’t cut corners. Gear has come way down too; I remember when camera packages were way more than a lot of them are now. We’ve come a long way with technology.</p>\n<p><strong>Mike</strong>: We have, although there is still a chip shortage, and inventory shortage out there as a result of COVID, but hopefully that’s going to fix itself over the next six- to eight-months and everyone’s inventories will be replenished.</p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US? </span>Get a quote for <a href=\"https://www.frontrowinsurance.com/en/film-production-insurance\">film production insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</a></li>\n<li><a href=\"/articles/articles/bid/80676/digital-film-insurance-and-the-future\" rel=\"noopener\">Digital Film Insurance and the Future | Digital Media Insurance</a></li>\n<li><a href=\"/articles/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Civil Authority Coverage for Film Productions</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the </span><a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\" style=\"font-style: italic;\">Vantropolis podcast</a></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: 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.</span></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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. 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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.</span></p></span>","topic_ids":[949708709,949708814,949708904,32801247724,65160948555],"html_title":"Front Row Insurance: We’re a Brokerage, Not an Insurance Company","rss_summary":"<h2>The Difference Between a Broker and an Insurer</h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" xml=\"lang\" src=\"https://www.youtube.com/embed/qLfNKntYN00?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","campaign_utm":null,"post_summary":"<h2>The Difference Between a Broker and an Insurer</h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" xml=\"lang\" src=\"https://www.youtube.com/embed/qLfNKntYN00?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","published_at":1686576923670,"campaign_name":null,"featured_image":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Podcasts/Civil-authority-600x600.jpg","layout_sections":{},"published_by_id":7915797,"has_user_changes":true,"meta_description":"We do not work for the insurance companies; we work for the production companies and producers. 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So, we work on their behalf to get them the best...","metaKeywords":null,"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\" >Front Row Insurance: We’re a Brokerage, Not an Insurance Company</span>","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/kidnap%20and%20ransom%20insurance/kidnap-movie-set-shutterstock_149073893-forweb600.jpg","nextPostFeaturedImageAltText":"Man in trunk: Kidnap and Ransom Insurance","nextPostName":"Kidnap and Ransom Insurance: Why Film Productions Should Consider It","nextPostSlug":"articles/kidnap-and-ransom-insurance","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"Front Row Insurance: We’re a Brokerage, Not an Insurance Company","parentBlog":{"absoluteUrl":"https://www.frontrowinsurance.com/articles","allowComments":true,"ampBodyColor":"#404040","ampBodyFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampBodyFontSize":"18","ampCustomCss":"","ampHeaderBackgroundColor":"#ffffff","ampHeaderColor":"#1e1e1e","ampHeaderFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampHeaderFontSize":"36","ampLinkColor":"#416bb3","ampLogoAlt":"Front Row Insurance logo","ampLogoHeight":63,"ampLogoSrc":"https://cdn2.hubspot.net/hubfs/61352/front-row-logo.png","ampLogoWidth":175,"analyticsPageId":137640,"attachedStylesheets":[],"audienceAccess":"PUBLIC","businessUnitId":null,"captchaAfterDays":7,"captchaAlways":false,"categoryId":3,"cdnPurgeEmbargoTime":null,"closeCommentsOlder":0,"commentDateFormat":"medium","commentFormGuid":"7a447743-bbf2-4b55-a759-b405bf392a7d","commentMaxThreadDepth":3,"commentModeration":true,"commentNotificationEmails":["mike@frontrowinsurance.com","grant@frontrowinsurance.com"],"commentShouldCreateContact":true,"commentVerificationText":"","cosObjectType":"BLOG","created":1401900293000,"createdDateTime":1401900293000,"dailyNotificationEmailId":"952268096","dateFormattingLanguage":"en_US","defaultGroupStyleId":"","defaultNotificationFromName":"","defaultNotificationReplyTo":"","deletedAt":0,"description":"The Front Row Insurance Blog where you can learn and converse about all things entertainment insurance related.","domain":"","domainWhenPublished":"www.frontrowinsurance.com","emailApiSubscriptionId":283237,"enableGoogleAmpOutput":true,"enableSocialAutoPublishing":false,"generateJsonLdEnabled":false,"header":null,"htmlFooter":"<!-- DELTA-->","htmlFooterIsShared":false,"htmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/front-row-insurance-were-brokers-not-insurers\"\n },\n \"headline\": \"Front Row Insurance: We’re a Brokerage, Not an Insurance Company\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Podcasts/Civil-authority-600x600.jpg\"\n },\n \"datePublished\": \"2023-06-12 13:35:23\",\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\": \"We do not work for the insurance companies; we work for the production companies and producers. 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So, we’re on both sides of the border. We do 100% entertainment. Of that, probably 80% is for the film industry and then we also do live theatre, touring and other entertainment-related risk. We don’t do “any and all” things insurance; you’re not going to come to us for your auto or home insurance, for example.</p>\n<p><strong>Colby</strong>: And just to be clear: you’re brokers, right? So, that’s different than insurance companies (insurers). You’re negotiating with the insurers to obtain solutions for your clients.</p>\n<p><strong>Mike</strong>: That’s correct, we do not work for the insurance companies; we work for the production companies and producers. So, we work on their behalf to get them the best possible insurance coverage at the best price.</p>\n<p><strong>Colby</strong>: Kind of like a mortgage broker would be, right? You’re representing the production to the insurance companies.</p>\n<p><strong>Mike</strong>: We really do become part of the crew. I mean, we’re interacting with the producers, filmmakers and location managers on a daily basis from three- or four-weeks during prep all the way to delivery to the broadcasters. So, we’re playing a role as one of the crew members.</p>\n<p><strong>Colby</strong>: And all sizes of production, right? $2,000 to $200 million budgets, right?</p>\n<p><strong>Mike</strong>: Yes, we do everything from a student film shooting for two days on a weekend to $150 million large-scale TV series and everything in between.</p>\n<p><strong>Colby</strong>: That’s good to know because if you’re an indie filmmaker and you don’t know where to start, some might think that a corporate entity as large as Front Row might not give them the time of day.</p>\n<p><strong>Mike</strong>: We try to make it as easy as possible for a new filmmaker to obtain insurance. Usually, they don’t even consider the need for insurance until they walk up to an <a href=\"https://www.frontrowinsurance.com/en/equipment-rental-house-insurance\">equipment vendor</a> and the vendor asks, <em>“where is your insurance? We’re not giving you the camera without your insurance.”</em> For that purpose, we’ve created automated solutions (such as <a href=\"https://shortshoot.frontrowinsurance.com/\">short shoot insurance</a>) where a filmmaker can go online and purchase insurance on their phone while standing at the desk of a vendor, hand over the certificate and walk out with the equipment.</p>\n<p><strong>Colby</strong>: Insurance can be daunting and it’s this big scary corporate word and you’re like <em>“ohh, I don’t know, what do I pay, it’s going to cost so much money and if I want to insure this little thing I’m doing, it’s going to be thousands of dollars”</em> but I realized on your site that that’s just not the case. It can be quite efficient and reasonable and provides a lot of peace of mind.</p>\n<p><strong>Mike</strong>: Absolutely, and the fact is, most people don’t buy insurance until they have to have it, until someone tells them, <em>“you can’t shoot here unless you have location insurance and you can’t take out this camera unless you have property insurance.” </em>And that’s why we’ve made it so easy and most film packages come with a minimum million-dollar limit for equipment but, you know, a UBC student who is renting a $20,000 camera doesn’t need a million of equipment coverage; s/he needs $20,000 of coverage. So, we made short shoot insurance allows them to just buy what they need for the number of days they need it, and that’s all they’re charged for.</p>\n<p><strong>Colby</strong>: Yeah, so kids, do it. Get the insurance, don’t cut corners. Gear has come way down too; I remember when camera packages were way more than a lot of them are now. We’ve come a long way with technology.</p>\n<p><strong>Mike</strong>: We have, although there is still a chip shortage, and inventory shortage out there as a result of COVID, but hopefully that’s going to fix itself over the next six- to eight-months and everyone’s inventories will be replenished.</p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US? </span>Get a quote for <a href=\"https://www.frontrowinsurance.com/en/film-production-insurance\">film production insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</a></li>\n<li><a href=\"/articles/articles/bid/80676/digital-film-insurance-and-the-future\" rel=\"noopener\">Digital Film Insurance and the Future | Digital Media Insurance</a></li>\n<li><a href=\"/articles/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Civil Authority Coverage for Film Productions</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the </span><a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\" style=\"font-style: italic;\">Vantropolis podcast</a></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: 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.</span></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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.</span></p></span>","postBodyRss":"<h2>The Difference Between a Broker and an Insurer</h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" xml=\"lang\" src=\"https://www.youtube.com/embed/qLfNKntYN00?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Colby Spencer</strong>: Why don’t you just give people a quick rundown of Front Row.</p>\n<p><strong>Mike Groner</strong>: Sure, we are an entertainment brokerage; we’re primarily based in Canada (main offices in Vancouver, Toronto, Montreal) and then we have offices in New York, LA, Colorado and Florida. So, we’re on both sides of the border. We do 100% entertainment. Of that, probably 80% is for the film industry and then we also do live theatre, touring and other entertainment-related risk. We don’t do “any and all” things insurance; you’re not going to come to us for your auto or home insurance, for example.</p>\n<p><strong>Colby</strong>: And just to be clear: you’re brokers, right? So, that’s different than insurance companies (insurers). You’re negotiating with the insurers to obtain solutions for your clients.</p>\n<p><strong>Mike</strong>: That’s correct, we do not work for the insurance companies; we work for the production companies and producers. So, we work on their behalf to get them the best possible insurance coverage at the best price.</p>\n<p><strong>Colby</strong>: Kind of like a mortgage broker would be, right? You’re representing the production to the insurance companies.</p>\n<p><strong>Mike</strong>: We really do become part of the crew. I mean, we’re interacting with the producers, filmmakers and location managers on a daily basis from three- or four-weeks during prep all the way to delivery to the broadcasters. So, we’re playing a role as one of the crew members.</p>\n<p><strong>Colby</strong>: And all sizes of production, right? $2,000 to $200 million budgets, right?</p>\n<p><strong>Mike</strong>: Yes, we do everything from a student film shooting for two days on a weekend to $150 million large-scale TV series and everything in between.</p>\n<p><strong>Colby</strong>: That’s good to know because if you’re an indie filmmaker and you don’t know where to start, some might think that a corporate entity as large as Front Row might not give them the time of day.</p>\n<p><strong>Mike</strong>: We try to make it as easy as possible for a new filmmaker to obtain insurance. Usually, they don’t even consider the need for insurance until they walk up to an <a href=\"https://www.frontrowinsurance.com/en/equipment-rental-house-insurance\">equipment vendor</a> and the vendor asks, <em>“where is your insurance? We’re not giving you the camera without your insurance.”</em> For that purpose, we’ve created automated solutions (such as <a href=\"https://shortshoot.frontrowinsurance.com/\">short shoot insurance</a>) where a filmmaker can go online and purchase insurance on their phone while standing at the desk of a vendor, hand over the certificate and walk out with the equipment.</p>\n<p><strong>Colby</strong>: Insurance can be daunting and it’s this big scary corporate word and you’re like <em>“ohh, I don’t know, what do I pay, it’s going to cost so much money and if I want to insure this little thing I’m doing, it’s going to be thousands of dollars”</em> but I realized on your site that that’s just not the case. It can be quite efficient and reasonable and provides a lot of peace of mind.</p>\n<p><strong>Mike</strong>: Absolutely, and the fact is, most people don’t buy insurance until they have to have it, until someone tells them, <em>“you can’t shoot here unless you have location insurance and you can’t take out this camera unless you have property insurance.” </em>And that’s why we’ve made it so easy and most film packages come with a minimum million-dollar limit for equipment but, you know, a UBC student who is renting a $20,000 camera doesn’t need a million of equipment coverage; s/he needs $20,000 of coverage. So, we made short shoot insurance allows them to just buy what they need for the number of days they need it, and that’s all they’re charged for.</p>\n<p><strong>Colby</strong>: Yeah, so kids, do it. Get the insurance, don’t cut corners. Gear has come way down too; I remember when camera packages were way more than a lot of them are now. We’ve come a long way with technology.</p>\n<p><strong>Mike</strong>: We have, although there is still a chip shortage, and inventory shortage out there as a result of COVID, but hopefully that’s going to fix itself over the next six- to eight-months and everyone’s inventories will be replenished.</p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US? </span>Get a quote for <a href=\"https://www.frontrowinsurance.com/en/film-production-insurance\">film production insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</a></li>\n<li><a href=\"/articles/articles/bid/80676/digital-film-insurance-and-the-future\" rel=\"noopener\">Digital Film Insurance and the Future | Digital Media Insurance</a></li>\n<li><a href=\"/articles/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Civil Authority Coverage for Film Productions</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the </span><a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\" style=\"font-style: italic;\">Vantropolis podcast</a></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: 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.</span></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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.</span></p>","postEmailContent":"<h2>The Difference Between a Broker and an Insurer</h2> \n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" xml=\"lang\" src=\"https://www.youtube.com/embed/qLfNKntYN00?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Podcasts/Civil-authority-600x600.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\" ><h2>The Difference Between a Broker and an Insurer</h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" xml=\"lang\" src=\"https://www.youtube.com/embed/qLfNKntYN00?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Colby Spencer</strong>: Why don’t you just give people a quick rundown of Front Row.</p>\n<p><strong>Mike Groner</strong>: Sure, we are an entertainment brokerage; we’re primarily based in Canada (main offices in Vancouver, Toronto, Montreal) and then we have offices in New York, LA, Colorado and Florida. So, we’re on both sides of the border. We do 100% entertainment. Of that, probably 80% is for the film industry and then we also do live theatre, touring and other entertainment-related risk. We don’t do “any and all” things insurance; you’re not going to come to us for your auto or home insurance, for example.</p>\n<p><strong>Colby</strong>: And just to be clear: you’re brokers, right? So, that’s different than insurance companies (insurers). You’re negotiating with the insurers to obtain solutions for your clients.</p>\n<p><strong>Mike</strong>: That’s correct, we do not work for the insurance companies; we work for the production companies and producers. So, we work on their behalf to get them the best possible insurance coverage at the best price.</p>\n<p><strong>Colby</strong>: Kind of like a mortgage broker would be, right? You’re representing the production to the insurance companies.</p>\n<p><strong>Mike</strong>: We really do become part of the crew. I mean, we’re interacting with the producers, filmmakers and location managers on a daily basis from three- or four-weeks during prep all the way to delivery to the broadcasters. So, we’re playing a role as one of the crew members.</p>\n<p><strong>Colby</strong>: And all sizes of production, right? $2,000 to $200 million budgets, right?</p>\n<p><strong>Mike</strong>: Yes, we do everything from a student film shooting for two days on a weekend to $150 million large-scale TV series and everything in between.</p>\n<p><strong>Colby</strong>: That’s good to know because if you’re an indie filmmaker and you don’t know where to start, some might think that a corporate entity as large as Front Row might not give them the time of day.</p>\n<p><strong>Mike</strong>: We try to make it as easy as possible for a new filmmaker to obtain insurance. Usually, they don’t even consider the need for insurance until they walk up to an <a href=\"https://www.frontrowinsurance.com/en/equipment-rental-house-insurance\">equipment vendor</a> and the vendor asks, <em>“where is your insurance? We’re not giving you the camera without your insurance.”</em> For that purpose, we’ve created automated solutions (such as <a href=\"https://shortshoot.frontrowinsurance.com/\">short shoot insurance</a>) where a filmmaker can go online and purchase insurance on their phone while standing at the desk of a vendor, hand over the certificate and walk out with the equipment.</p>\n<p><strong>Colby</strong>: Insurance can be daunting and it’s this big scary corporate word and you’re like <em>“ohh, I don’t know, what do I pay, it’s going to cost so much money and if I want to insure this little thing I’m doing, it’s going to be thousands of dollars”</em> but I realized on your site that that’s just not the case. It can be quite efficient and reasonable and provides a lot of peace of mind.</p>\n<p><strong>Mike</strong>: Absolutely, and the fact is, most people don’t buy insurance until they have to have it, until someone tells them, <em>“you can’t shoot here unless you have location insurance and you can’t take out this camera unless you have property insurance.” </em>And that’s why we’ve made it so easy and most film packages come with a minimum million-dollar limit for equipment but, you know, a UBC student who is renting a $20,000 camera doesn’t need a million of equipment coverage; s/he needs $20,000 of coverage. So, we made short shoot insurance allows them to just buy what they need for the number of days they need it, and that’s all they’re charged for.</p>\n<p><strong>Colby</strong>: Yeah, so kids, do it. Get the insurance, don’t cut corners. Gear has come way down too; I remember when camera packages were way more than a lot of them are now. We’ve come a long way with technology.</p>\n<p><strong>Mike</strong>: We have, although there is still a chip shortage, and inventory shortage out there as a result of COVID, but hopefully that’s going to fix itself over the next six- to eight-months and everyone’s inventories will be replenished.</p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US? </span>Get a quote for <a href=\"https://www.frontrowinsurance.com/en/film-production-insurance\">film production insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</a></li>\n<li><a href=\"/articles/articles/bid/80676/digital-film-insurance-and-the-future\" rel=\"noopener\">Digital Film Insurance and the Future | Digital Media Insurance</a></li>\n<li><a href=\"/articles/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Civil Authority Coverage for Film Productions</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the </span><a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\" style=\"font-style: italic;\">Vantropolis podcast</a></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: 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.</span></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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.</span></p></span>","postListSummaryFeaturedImage":"","postRssContent":"<h2>The Difference Between a Broker and an Insurer</h2> \n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" xml=\"lang\" src=\"https://www.youtube.com/embed/qLfNKntYN00?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Podcasts/Civil-authority-600x600.jpg","postSummary":"<h2>The Difference Between a Broker and an Insurer</h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; 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max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" xml=\"lang\" src=\"https://www.youtube.com/embed/qLfNKntYN00?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"SJeqUyEh","previousPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20Wedding%20Venues%20in%20New%20Orleans/new-orleans-sky-shutterstock_725157976-forweb600.jpg","previousPostFeaturedImageAltText":"New Orleans skyline","previousPostName":"Best Wedding Venues in New Orleans | Best Places to Get Married in NOLA","previousPostSlug":"articles/best-wedding-venues-in-new-orleans","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[],"publicAccessRulesEnabled":false,"publishDate":1686576923000,"publishDateLocalTime":1686576923000,"publishDateLocalized":{"date":1686576923000,"format":"medium","language":"en_US"},"publishImmediately":true,"publishTimezoneOffset":null,"publishedAt":1686576923670,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/front-row-insurance-were-brokers-not-insurers","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":null,"rssBody":"<h2>The Difference Between a Broker and an Insurer</h2>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" title=\"YouTube video player\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" xml=\"lang\" src=\"https://www.youtube.com/embed/qLfNKntYN00?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Colby Spencer</strong>: Why don’t you just give people a quick rundown of Front Row.</p>\n<p><strong>Mike Groner</strong>: Sure, we are an entertainment brokerage; we’re primarily based in Canada (main offices in Vancouver, Toronto, Montreal) and then we have offices in New York, LA, Colorado and Florida. So, we’re on both sides of the border. We do 100% entertainment. Of that, probably 80% is for the film industry and then we also do live theatre, touring and other entertainment-related risk. We don’t do “any and all” things insurance; you’re not going to come to us for your auto or home insurance, for example.</p>\n<p><strong>Colby</strong>: And just to be clear: you’re brokers, right? So, that’s different than insurance companies (insurers). You’re negotiating with the insurers to obtain solutions for your clients.</p>\n<p><strong>Mike</strong>: That’s correct, we do not work for the insurance companies; we work for the production companies and producers. So, we work on their behalf to get them the best possible insurance coverage at the best price.</p>\n<p><strong>Colby</strong>: Kind of like a mortgage broker would be, right? You’re representing the production to the insurance companies.</p>\n<p><strong>Mike</strong>: We really do become part of the crew. I mean, we’re interacting with the producers, filmmakers and location managers on a daily basis from three- or four-weeks during prep all the way to delivery to the broadcasters. So, we’re playing a role as one of the crew members.</p>\n<p><strong>Colby</strong>: And all sizes of production, right? $2,000 to $200 million budgets, right?</p>\n<p><strong>Mike</strong>: Yes, we do everything from a student film shooting for two days on a weekend to $150 million large-scale TV series and everything in between.</p>\n<p><strong>Colby</strong>: That’s good to know because if you’re an indie filmmaker and you don’t know where to start, some might think that a corporate entity as large as Front Row might not give them the time of day.</p>\n<p><strong>Mike</strong>: We try to make it as easy as possible for a new filmmaker to obtain insurance. Usually, they don’t even consider the need for insurance until they walk up to an <a href=\"https://www.frontrowinsurance.com/en/equipment-rental-house-insurance\">equipment vendor</a> and the vendor asks, <em>“where is your insurance? We’re not giving you the camera without your insurance.”</em> For that purpose, we’ve created automated solutions (such as <a href=\"https://shortshoot.frontrowinsurance.com/\">short shoot insurance</a>) where a filmmaker can go online and purchase insurance on their phone while standing at the desk of a vendor, hand over the certificate and walk out with the equipment.</p>\n<p><strong>Colby</strong>: Insurance can be daunting and it’s this big scary corporate word and you’re like <em>“ohh, I don’t know, what do I pay, it’s going to cost so much money and if I want to insure this little thing I’m doing, it’s going to be thousands of dollars”</em> but I realized on your site that that’s just not the case. It can be quite efficient and reasonable and provides a lot of peace of mind.</p>\n<p><strong>Mike</strong>: Absolutely, and the fact is, most people don’t buy insurance until they have to have it, until someone tells them, <em>“you can’t shoot here unless you have location insurance and you can’t take out this camera unless you have property insurance.” </em>And that’s why we’ve made it so easy and most film packages come with a minimum million-dollar limit for equipment but, you know, a UBC student who is renting a $20,000 camera doesn’t need a million of equipment coverage; s/he needs $20,000 of coverage. So, we made short shoot insurance allows them to just buy what they need for the number of days they need it, and that’s all they’re charged for.</p>\n<p><strong>Colby</strong>: Yeah, so kids, do it. Get the insurance, don’t cut corners. Gear has come way down too; I remember when camera packages were way more than a lot of them are now. We’ve come a long way with technology.</p>\n<p><strong>Mike</strong>: We have, although there is still a chip shortage, and inventory shortage out there as a result of COVID, but hopefully that’s going to fix itself over the next six- to eight-months and everyone’s inventories will be replenished.</p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US? </span>Get a quote for <a href=\"https://www.frontrowinsurance.com/en/film-production-insurance\">film production insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</a></li>\n<li><a href=\"/articles/articles/bid/80676/digital-film-insurance-and-the-future\" rel=\"noopener\">Digital Film Insurance and the Future | Digital Media Insurance</a></li>\n<li><a href=\"/articles/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Civil Authority Coverage for Film Productions</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the </span><a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\" style=\"font-style: italic;\">Vantropolis podcast</a></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: 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.</span></p>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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. 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Front Row Insurance: We’re a Brokerage, Not an Insurance Company

Front Row Insurance: We’re Brokers, Not Insurers

The Difference Between a Broker and an Insurer


Colby Spencer
: Why don’t you just give people a quick rundown of Front Row.

Mike Groner: Sure, we are an entertainment brokerage; we’re primarily based in Canada (main offices in Vancouver, Toronto, Montreal) and then we have offices in New York, LA, Colorado and Florida. So, we’re on both sides of the border. We do 100% entertainment. Of that, probably 80% is for the film industry and then we also do live theatre, touring and other entertainment-related risk. We don’t do “any and all” things insurance; you’re not going to come to us for your auto or home insurance, for example.

Colby: And just to be clear: you’re brokers, right? So, that’s different than insurance companies (insurers). You’re negotiating with the insurers to obtain solutions for your clients.

Mike: That’s correct, we do not work for the insurance companies; we work for the production companies and producers. So, we work on their behalf to get them the best possible insurance coverage at the best price.

Colby: Kind of like a mortgage broker would be, right? You’re representing the production to the insurance companies.

Mike: We really do become part of the crew. I mean, we’re interacting with the producers, filmmakers and location managers on a daily basis from three- or four-weeks during prep all the way to delivery to the broadcasters. So, we’re playing a role as one of the crew members.

Colby: And all sizes of production, right? $2,000 to $200 million budgets, right?

Mike: Yes, we do everything from a student film shooting for two days on a weekend to $150 million large-scale TV series and everything in between.

Colby: That’s good to know because if you’re an indie filmmaker and you don’t know where to start, some might think that a corporate entity as large as Front Row might not give them the time of day.

Mike: We try to make it as easy as possible for a new filmmaker to obtain insurance. Usually, they don’t even consider the need for insurance until they walk up to an equipment vendor and the vendor asks, “where is your insurance? We’re not giving you the camera without your insurance.” For that purpose, we’ve created automated solutions (such as short shoot insurance) where a filmmaker can go online and purchase insurance on their phone while standing at the desk of a vendor, hand over the certificate and walk out with the equipment.

Colby: Insurance can be daunting and it’s this big scary corporate word and you’re like “ohh, I don’t know, what do I pay, it’s going to cost so much money and if I want to insure this little thing I’m doing, it’s going to be thousands of dollars” but I realized on your site that that’s just not the case. It can be quite efficient and reasonable and provides a lot of peace of mind.

Mike: Absolutely, and the fact is, most people don’t buy insurance until they have to have it, until someone tells them, “you can’t shoot here unless you have location insurance and you can’t take out this camera unless you have property insurance.” And that’s why we’ve made it so easy and most film packages come with a minimum million-dollar limit for equipment but, you know, a UBC student who is renting a $20,000 camera doesn’t need a million of equipment coverage; s/he needs $20,000 of coverage. So, we made short shoot insurance allows them to just buy what they need for the number of days they need it, and that’s all they’re charged for.

Colby: Yeah, so kids, do it. Get the insurance, don’t cut corners. Gear has come way down too; I remember when camera packages were way more than a lot of them are now. We’ve come a long way with technology.

Mike: We have, although there is still a chip shortage, and inventory shortage out there as a result of COVID, but hopefully that’s going to fix itself over the next six- to eight-months and everyone’s inventories will be replenished.

 

Are you a producer in Canada or the US? Get a quote for film production insurance here.

 

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Content courtesy of the Vantropolis podcast

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.

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.

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