How to choose between a DICE Policy and a Short Shoot policy*

Posted by David Hamilton on Sep 22, 2017 4:56:00 PM

HOW TO CHOOSE BETWEEN A DICE POLICY AND A SHORT SHOOT POLICY*

A Short Shoot Policy is intended for those producers who are conducting shoots lasting 15 days or less, using rented equipment and with budgets of $250,000 or less. This makes it ideal for short film producers, student projects or anyone else who will be filming on a short term basis and requires insurance. Equipment coverage can apply to any rented film production equipment as well as rented props, sets and wardrobe up to the specified policy limits. Commercial General Liability coverage can also be purchased either together with equipment coverage or on a standalone basis. If you would like a free non-obligation quote or to purchase coverage, visit our Short Shoot policy website here. *Currently we are only able to provide this coverage to Canadian Producers. If you require this coverage in the US, please complete this form.

A DICE Package Policy is intended to provide insurance for documentaries, corporate videos, commercials, educational films, music videos and more. It is best suited for producers who are planning to produce projects other than feature films or TV series. This can provide coverage for a full year for Rented and Owned equipment as well as Props, Sets and Wardrobe, Office Contents, Vehicle Physical Damage and more. Commercial General Liability coverage can also be purchased either together with the equipment coverage or on a standalone basis. If you would like more information or to request a free non-obligation quote, please visit our DICE policy website here. If you are a US based Producer please click here instead.

Note: If you're planning more than one short-term production within a calendar year, our recommendation is that you go with a DICE policy.

For more information, view the infographic below:

DICE - Short Shoot Infographic (Canada).jpg

 

related post:

How to choose between a DICE Insurance Policy and a DigiGear Policy?

 

Topics: Film equipment insurance, Short Film Insurance, Commercial Production Insurance, Documentary Insurance, DICE Insurance, corporate video insurance, music video insurance, Educational Film Insurance

The Annual Film Production Insurance Package Made Easy

Posted by David Hamilton on Sep 13, 2017 4:46:15 PM

ANNUAL FILM INSURANCE - WITH COUPON!

The Annual DICE Insurance Policy takes the hassle out of purchasing film insurance for your film productions. It is flexible, affordable, and customizable designed to fit your individual needs. 

This policy will not only save you time, it will also save you money. Insuring all your productions under one policy helps to cut the costs, as it will reduce the administrative expenses associated with insuring each production individually, and these savings are passed onto you.

The Annual DICE Policy is specially designed to provide: insurance for commercials, documentary insurance, corporate video insurance, educational film insurance, music video insurance, training video insurance, short film insurance, and still photography insurance.

Check out our Infographic below for coupon savings and more. Coupon not valid in QC, ON, SK.

DICE Infographic

Interested in seeing more? Visit the Front Row Insurance Website for a free no-obligation quote!

Topics: Short Film Insurance, Film Insurance, Entertainment Insurance, Commercial Production Insurance, Documentary Insurance, DICE Insurance, corporate video insurance, music video insurance, Educational Film Insurance

Call Sheets Help Reduce Film Production Insurance Costs

Posted by David Hamilton on Nov 14, 2012 5:44:00 PM

DAILY CALL SHEETS

Daily call sheet

Daily Call Sheets are a useful way to alert cast and crew to potential hazards for that day’s shooting schedule, and to inform them about which safety precautions they might need to take.  Film Insurance underwriters appreciate the risk management component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.

The following should be included on Call Sheets:

  • Scheduled stunts
  • Any special effects that will be used
  • Scheduled use of firearms
  • Potential hazards specific to the location
  • Any required personal protective clothing and equipment and how workers can get it
  • The name, contact number, and location of the first aid attendant
  • The location of the first aid kit or facility
  • The location of the nearest hospital or emergency facility
  • Any other health and safety concerns that the cast and crew need to be aware of

Safety guidelines should be attached to call sheets, i.e., If any special effects are to be used on the set, then a safety guideline should be attached specific to the type of special effects that will used. For example, if you are shooting near a thoroughfare with lots of traffic, it may be useful to add notes about this on the call sheet. What are the weather conditions like? Will the crew require special footwear or clothing for extreme temperature? What about sunscreen or hydration requirements?

Along this line of thought, it is important to include information such as the nearest hospital, along with any other emergency numbers that are specific to your location.

Have you thought about:

Putting up safety posters in common areas around the set location as a reminder to pay attention to certain hazards around the workplace and certain locations, e.g., Aerial filming.

A specialized film insurance broker is best able to present the risks associated with your film production to the film insurance underwriter to ensure you receive the best coverage and premium for your production.

Front Row Insurance Brokers are specialized Film Insurance Brokers. Please call us if you have any questions.

The above information is  based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition)

Topics: Film equipment insurance, Short Film Insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Film Insurance claims, Commercial Production Insurance, Documentary Insurance, SPFX Insurance, film insurance premium, DICE Insurance, Film Production Companies

Earthquakes and Film Production: What to do when the Earth Moves

Posted by David Hamilton on Oct 26, 2012 10:44:00 AM

EARTHQUAKES & FILM PRODUCTION:
WHAT TO DO

EARTHQUAKES & FILM PRODUCTION: WHAT TO DO

If you are indoors on a film production set or in a film production office...

DROP, COVER AND HOLD ON:

  • Drop under heavy furniture such as a table, desk, or any solid furniture.
  • Cover your head and torso to prevent being hit by falling objects.
  • Hold onto the object that you are under so that you remain covered.

If you are outdoors on a film location:

  • Stay outside.
  • Go to an open area away from buildings. The most dangerous place is
    near exterior walls.
  • If you’re in a crowded area, take cover where you won’t be trampled.

If you are in a production or picture vehicle: 

  • Pull over to a safe place where you are not blocking the road.
  • Avoid bridges, overpasses, underpasses, buildings or any structure that could collapse.
  • Stop the vehicle and stay inside.
  • Listen to your car radio for instructions from emergency officials.
  • If power lines are down, do not attempt to get out of the car.

Avoid the following in an earthquake: 

  • Doorways, which can slam shut and cause injuries.
  • Windows, bookcases, tall furniture and light fixtures, which can shatter or lead to other injuries.
  • Elevators: get out as soon as you can.
  • If you’re near a coastline in a high risk area during a strong earthquake, immediately move inland or to higher ground until officials declare the area safe.

Front Row is experienced with insuring film productions against earthquakes: ask us how.


Related Posts:

Earthquakes and Film Production: Know the Risks and be Prepared

Earthquakes & Film Production: Prepare an Emergency Kit before the Quake

Topics: Film equipment insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Film Insurance claims, Film production offices, Commercial Production Insurance, venue insurance

Earthquakes and Film Production: Know the Risks and be Prepared

Posted by David Hamilton on Oct 22, 2012 6:38:00 PM

EARTHQUAKES AND FILM SETS

Earthquakes and film sets

What would happen to your film production if IT were shaken by a violent earthquake?

There are various measures you can undertake to minimize damage so that you can continue to film as soon as possible:

  • Staff and crew should be shown how to turn off the water and electricity in the office and on set, with on/off positions clearly labeled.
  • Water heaters should be secured to wall studs or masonry: ask your landlord to do this.
  • Secure all major appliances/electronics to walls, including expensive or fragile items that if damaged, would be a significant loss.
  • Secure top-heavy set furniture to walls with heavier items kept on lower shelves.
  • Put anti-skid pads under TVs, computers, and other related camera equipment.
  • Keep flammable items and other chemicals used on set away from heat and where they are less likely to spill.
  • For mobile trailers on set, leave the wheels on or use a structural bracing system that can reduce the chance of the unit falling off its support.
  • Ensure that sufficient emergency kits are located around the office/on set, and designated staff and crew know where to access them.

Discuss earthquake coverage with your film insurance broker to ensure that your production will have the financial ability to recover losses after an earthquake. Ask your broker: does your Film Production Insurance include coverage for earthquakes?

Front Row is experienced with insuring Film Productions against earthquakes: ask us how.

Related Posts:

Earthquakes & Film Production: Prepare an Emergency Kit before the Quake

Earthquakes and Film Production: What to do when the Earth Moves

Topics: Film equipment insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Film Insurance claims, Film production offices, Commercial Production Insurance, Documentary Insurance

Distributor's Errors and Omissions (E&O) insurance

Posted by David Hamilton on Sep 26, 2012 6:33:00 PM

Distributor's E&O Insurance

Distributor's E&O insurance

Much like the producer's E&O insurance, the distributor's E&O insurance covers distributors from lawsuits that may arise due to the content of the material they are distributing.

Distributor's E&O insurance differs  from Producer's E&O in that distributors are insured for a list of titles they are distributing. In order to add a production to a distributors E&O policy a minimum of one year of E&O policy needs to have been in force. For each film that you distribute, you will need to ask for evidence of previous e&o coverage.

The premium is determined by the estimated annual revenue that is expect from the list of titles to be insured. A deposit premium is paid and then the deposit is adjusted at the end of the policy year based on actual distribution revenue. A distributors policy is typically much less expensive as compared to extending individual e&o policies. The adjustment rate is usually 10 cents per $1000 of revenue.

To get a quote, we will need to have an application completed and we will need a list of the titles to be covered. Would you like me to send you a copy of a blank application?

WHY E&O POLICIES ARE NEEDED?

  1. I.e., The script of your movie/show is slightly similar to another production, therefore a claim for plagiarism could arise.
  2. Covers the insured against defamation, libel and slander suits.
  3. Covers against intellectual property rights.
  4. Typically most distributors and broadcasters will not distribute or air any production without it.
  5. It protects a company or individual from financial loss.

TYPICAL E&O CLAIM SCENARIOS

  • An action brought against a production company for the production of a movie which is similar to events depicted in a novel.
  • A defamation/slander suit brought against a production company based on a recognizable likeness  between a fictional character in a tv series and an actual person.
  • A production company is sued for unauthorized use of Titles and/or Music/Stock Footage, for not acknowledging underlying works such as books, scripts of screenplays or for not requesting permission to acquire rights.

RELATED LINKS:

E&O Insurance 101 & How to Protect Your Film Project

E&O: What You Need to Know

E&O: Cost

Are you paying for the coverage you need?

Steps to Obtain

Producer Errors and Omissions

E&O: Reviewing Scripts

Distributor Errors and Omissions

Documentary E&O Insurance

Copyright Reports

How much of your film is copyright-able?

Copyright Infringements

Title Reports

Script Clearance Reports

Clearance Procedures

Claims Made vs. Occurrence

Fair Use

False Light Accusations

The value of a lawyer

To get or not get permission: The Social Network

A production lawyer's guide to obtaining E&O insurance and preventing litigation

Topics: Film Insurance, Film insurance broker, Film Producer's E&O Insurance, Film Insurance claims, Commercial Production Insurance, Documentary Insurance, Title reports, Script Clearance reports

How a Specialized Film Insurance Broker can help your Production

Posted by David Hamilton on Apr 10, 2012 5:54:00 PM

How a film insurance broker helps

Film InsuranceA broker will help identify the risks associated with a production. Once the risks are identified, the risk can be transferred to an insurance company for a fee or premium. The film insurance broker negotiates the lowest possible premium and the broadest coverage available in the market place. In Canada, there are four film insurance companies: Chubb, Fireman’s Fund, Premiere and Travelers. Front Row is able to provide you with a quote from each of these companies in an easy to understand comparison format.

Unlike insurance agents - who work for the insurance company -  Insurance Brokers work for the client. Insurance brokers are recognized by law as experts in insurance. Insurance Brokers in Canada must pass a series of exams in order to be licensed and there is annual continuing education to maintain a license. Make sure your broker is licensed in the province that you are shooting your production or the production could be fined or subject to a surtax.

Insurance Brokers owe a higher duty of care to their clients than an Insurance Agent. Brokers represent the interests of their clients, not the insurance companies. They offer professional advice in arranging insurance on behalf of their clients.

Since insurance brokers are considered under the law as professionals, they are responsible for their actions and can be sued for professional negligence if their advice is deemed to be faulty. All licensed brokers therefore need to carry professional Errors and Omissions coverage. You should ask your broker the limit of E&O insurance that they cover:  $1,000,000 may not be enough once defense costs are deducted from the limit.

The many roles of a broker include: 

  • Negotiate with the insurance companies on behalf of clients. There are four insurance companies in Canada: an Insurance broker must be familiar with what these companies offer so that the best price and coverage is procured for the producer.
  • Brokers facilitate claims - Because the broker works on behalf of the client, it is their duty to ensure that insurance companies pay the full amount of the claim that the client is entitled to.
  • The broker acts as a conduit for communication between the insurance company and the client. This includes providing certificates for banks, bonding companies and locations to evidence coverage allowing banks to release funds to the client, locations to be locked by the location manager and equipment to be rented.
  • Advise clients on ways to limit potential liabilities during production.
  • Review scope of the client's existing insurance policies to reveal gaps or deficiencies in the coverage.
  • Comprehensive examination of the clients production to assess the amount and type of insurance required. A broker will also help the client understand what coverage they have and do not have and they can explain any limits to the coverage.

It is important to deal with a broker that understands the specific language shown on Film Production Policies. For this reason, it is strongly suggested that you seek out a specialized Film Insurance Broker when you need insurance for your production.

Related post: How to choose the right film insurance broker

Topics: Film equipment insurance, Short Film Insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Film Production, Film Producer's E&O Insurance, Multimedia Risk Insurance, Film Insurance claims, Film production offices, Commercial Production Insurance, Documentary Insurance, film insurance premium, DICE Insurance, Film Production Companies, Cast Insurance, Educational Film Insurance

DigiGear Film Production Equipment Insurance from Front Row Insurance

Posted by David Hamilton on Sep 27, 2011 11:33:00 AM

DigiGear Film production equipment insurance

DigiGear Film production equipment insurance

Film production equipment insurance is available from Front Row Insurance.  We are specialized film insurance brokers with three offices in Canada.

Film gear insurance can be arranged quickly through us, usually over the phone.  Our program is very popular with new and established film makers because of the low cost and the simple process to arrange a policy. We can cover both owned and rented gear.

The fastest way to receive a quote is to complete the short application telling us about your gear on the short application HERE. We will then call or email you with the cost within one business day or sooner. 

We can provide you with film equipment coverage with limits ranging between $5,000 and $10,000,000.  Premiums start at $75 CAD (subject to change).

If you would like to add location liability, we can do so for an additional premium.  

We also provide film insurance coverage for: 

If you would like an annual policy to cover multiple small productions as well as providing coverage for your gear, see D.I.C.E. (Documentaries, Industrial Films, Commercials, Educational Films – it also covers short shoots, music videos and feature films with low budgets).

Our service is friendly and knowledgeable: please contact us.

Topics: Film equipment insurance, Entertainment Insurance, Film insurance broker, Commercial Production Insurance, Documentary Insurance, DigiGear, Educational Film Insurance

Film Production Insurance: How the Premium is Determined

Posted by David Hamilton on Jun 21, 2010 2:46:00 PM

Film set
FILM PRODUCTION INSURANCE: HOW THE PREMIUM IS DETERMINED

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

  • Type of production (i.e. Feature vs. TV series)
  • Inclusion of any stunts or special effects
  • Any work in or around water
  • Aerial work
  • Locations outside Canada/US

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

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

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

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

RELATED LINKS:

Film Insurance 101 & How to Protect Your Film Project

Film Production Insurance: Why it is needed

Pre-Production Insurance

Film Production Insurance

How the Premium is Determined

Short Film Insurance

DigiGear Insurance

Props/Sets/Wardrobe Insurance

E&O Insurance

DICE Insurance

Third Party Property Damage

Crew Vehicles

Umbrella Vs. Excess Liability

Commercial General Liability

Negative Film / Videotape and Faulty Stock

Workers Comp

Cast Insurance

Extra Expense (EE)

Foreign Locations

Claims

Topics: Film Insurance, Entertainment Insurance, Annual Film Insurance, Commercial Production Insurance, Documentary Insurance, film insurance premium, DICE Insurance

Film Production Crew: Always Ask if you are Covered by Workers Comp

Posted by David Hamilton on Jun 14, 2010 3:18:00 PM

Workers Compensation for Film Crews

Workers Compensation for Film Crews

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. 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 filmmaker is obligated to provide coverage for any cast or crew that 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 work comp.

The benefit to the producer is that once the injured crew member accepts the work comp benefits, they usually waive the right to sue the producer

Sometimes that insurance company or government work 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 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.

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

RELATED BLOG POSTS:

WORKERS' COMP EXPLAINED
 
FOCUS ON SAFETY TO REDUCE FILM PRODUCTION WORKERS COMPENSATION CLAIMS

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 Insurance, Entertainment Insurance, Film insurance broker, Film Production, Film Producers, Commercial Production Insurance, Documentary Insurance, Film Production Companies, Workers Compensation