Insurance 101 for First-Time Film Producers: Your Guide to Film Production Insurance

Producing your first film is an exciting milestone, but it also brings new responsibilities behind the scenes. One of the most important steps in protecting your project is securing the right film production insurance. 

Whether you’re filming a short indie project or a feature-length movie, entertainment insurance helps protect your cast, crew, and equipment, and ensures your production can keep rolling even when the unexpected happens. 

Why Film Production Insurance Matters 

A single accident can halt production and cost thousands in lost time or repairs. A dropped camera, a sprained ankle on set, or unexpected weather damage can all derail your schedule. 

Film insurance provides financial protection, peace of mind, and, often, credibility. Most studios, municipalities, and equipment rental companies require proof of production insurance before filming begins. Having coverage isn’t just a safety net; it’s part of being a professional producer. 

Essential Film Insurance Coverages for New Producers

Not all insurance policies are created equal. Here are the most common types of film production insurance you’ll need to consider: 

1. General Liability Insurance

Covers third-party injuries or property damage that occur during production. It’s mandatory for most filming permits and rental agreements. 

2. Equipment Insurance

Protects your owned and rented cameras, lights, and gear from theft, loss, or damage, whether on set, in transit, or in storage. 

3. Workplace Injury Insurance

Also called Accident or Workers’ Compensation coverage, this protects your team if someone gets injured while working on set. Some provinces require this by law. 

4. Production Package Policies

A customizable bundle that includes property, liability, and other coverage types designed specifically for your production’s scale and needs. 

5. Errors & Omissions (E&O) Insurance

Required for distribution deals and streaming releases, this coverage protects against claims of copyright infringement, libel, or defamation. 

How Much Does Film Insurance Cost? 

The cost of film production insurance varies depending on your project’s size, duration, budget, and risk factors. A small student film might need only basic short-term coverage, while a feature film or commercial with stunts, animals, or special effects will require more robust protection. 

Tip: Treat insurance as an essential part of your production budget, not an afterthought. A broker specializing in film and entertainment insurance can help tailor coverage to your specific needs, without breaking your budget. 

When to Get Production Insurance 

Ideally, you should have insurance in place before pre-production begins. You’ll need proof of insurance when: 

• Renting equipment 

• Hiring cast and crew 

• Securing locations or permits 

Many insurers offer short-term policies for single projects, while frequent producers can benefit from annual coverage that protects multiple productions throughout the year. 

Why Work with a Film Insurance Broker 

Not every insurance provider understands the fast-paced world of film production. A specialized film insurance broker, like Front Row Insurance, brings deep industry knowledge, access to competitive markets, and experience navigating complex film projects. 

Front Row can help you: 

• Identify potential production risks 

• Compare policy options and pricing 

• Ensure you’re meeting permit and rental requirements 

• Get fast, flexible coverage when deadlines are tight 

Final Take: Focus on Filmmaking, Not the “What-Ifs”  

Producing a film takes creativity, coordination, and courage. With the right film production insurance in place, you can focus on storytelling, knowing your investment, your crew, and your vision are protected.