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

Posted by Grant Patten on Nov 11, 2019 12:33:21 PM

HOW TO CHOOSE BETWEEN A DICE POLICY AND A DIGIGEAR POLICY?

DICE (docs, corporate videos, commercials, educational films, music videos)

The DICE Package Policy is intended to provide insurance for smaller budget documentaries, corporate videos, commercials, educational films, music videos and more. DICE is best suited for producers who are planning to produce projects other than feature films or TV series.

DICE can provide coverage for a full year for rented & 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, visit our DICE Policy website here. If you are a US based Producer, click here instead.

A DICE policy is available in ~4 hours by calling or emailing our office.

DigiGear (film equipment)

The DigiGear Policy is intended for owners of camera equipment, sound, lighting and other film equipment. All equipment is covered for: theft, damage, fire and loss of use. Like DICE, the DigiGear policy term is also for 12 months. A DigiGear policy is designed to cover owners/operators of production equipment whose operations or services fall within one of the below classifications:

  • Camera Operator
  • Director of Photography (DP) / Cinematographer
  • Videographer
  • Sound Recordist
  • Digital Imaging Technician
  • Grip

Unlike DICE, DigiGear is not a film production policy.

A DigiGear policy is available online in ~five minutes 24/7.
Note: coverage under DigiGear is only available to Canadian residents at this time.

For a visual overview of the two policies, view the infographic below:

DICE vs. DigiGear infographic

RELATED POST:

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

 

Topics: DICE Policy, DICE Insurance, digigear, Film equipment rental insurance, corporate video insurance, documentary productions insurance, educational film production insurance, music video insurance, Educational Film Insurance

Preventing Film Equipment Theft – Tips & Tricks

Posted by Grant Patten on May 7, 2019 6:38:08 AM

All this lovely gear was stolen! Don’t let this be your gear. All this lovely gear was stolen! Don’t let this be your gear.

Thanks to cooperation between the FBI, the US embassy and Argentinian federal police, this massive haul of film production gear worth ~$3M was recovered in September 2018. The thieves had apparently targeted equipment in Hollywood and other US cities and then smuggled it into Argentina. As of May 2019, four people have been arrested in the US and 17 suspects have been identified in Argentina.

Film Equipment Theft – Prevention Tips

We’ve provided some tips & tricks for how to guard your film equipment, as well as some information on how to insure your equipment so you are protected in any worst case scenario situations.

1. Exterior/Location Filming

  • Key individuals should be responsible and accountable for transporting equipment from trucks and trailers to the filming set/location
  • There should be a tracking process established for logging equipment in/out when transported between destinations
  • Securely store equipment when not in use, especially hard-to-replace items like custom props, sets and wardrobes
  • Station security personnel within sight of exposed equipment, ideally at all times
  • Heighten security presence whenever filming in crime-ridden neighbourhoods

2. Interior Filming

  • Always favour buildings that have a central security alarm system, and check with building facilities that the system is actually running properly
  • Favour buildings that have security guard personnel on site
  • The building ideally has a concierge who facilitates logging in/approval of visitors
  • If you need to store equipment in the building overnight, double-check that the room is secure and inform security personnel about it

3. Employee/Crew Theft

  • Have written policy in place informing cast/crew that it is unacceptable to take any objects from set as “souvenirs”; clearly communicate policy to cast/crew
  • Conduct reference/background checks on all new employees/crewmembers
  • All employees/crewmembers should wear highly visible ID badges while on set
  • Make use of sign-in/sign-out sheets for entering/exiting locations
  • Conduct inventory checks on regular basis

4. Vehicles (including rental cars, vans and trucks)

  • Ensure vehicles transporting valuable equipment are as nondescript as possible (don’t call attention to the vehicles)
  • Any equipment stored in a vehicle should always be locked and kept out of sight (e.g., covered with blankets)
  • Ideally have multiple drivers available to limit the number of extended stops and take turns monitoring the vehicle during stops
  • If overnight: ideally stay at reputable hotels; hotel parking lots should be well-lit and monitored by cameras and security guards

5. Air Travel (planes carrying production equipment)

  • Always have a clearly marked luggage tag and have a card with emergency contact information placed inside the luggage/container
  • Whenever possible, carry some valuable items onto the plane instead of checking them in, such as laptops and smaller cameras
  • Maintain an inventory listing the shipped items, along with planned shipping itinerary and equipment serial numbers

Consider Film Equipment Insurance – DigiGear

There seems to be no published information on whether or not the equipment involved in the Hollywood-Argentina smuggle was insured. If it wasn’t insured, no doubt, the owners of said equipment were likely kicking themselves after this massive theft occurred.

Avoid a similar fate by insuring your film equipment with Front Row under a DigiGear policy.

RELATED POSTS:

INSURANCE FOR THEFT OF CAMERA AND FILM EQUIPMENT

THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED

HOW TO CALL A WRAP ON CLAIMS

CITATIONS:

https://news.sky.com/story/huge-haul-of-stolen-hollywood-film-equipment-found-in-argentina-11498283

Chubb PDF T3-FilmEqTheft-3-19 https://www.chubb.com

Topics: Film equipment insurance, Film Insurance, Film insurance broker, Film Equipment, digigear

Insurance for Theft of Camera and Film Equipment

Posted by Casey Budden on Oct 24, 2018 10:43:17 AM

Camera insurance Canada - woman on phone

INSURANCE FOR THEFT OF CAMERA AND FILM EQUIPMENT

Action!

You’ve finally gotten to the meat of the production: the principal photography phase. Much of the busywork is done; now for the fun part!

Unfortunately, as it so often does, disaster strikes at the worst time: a rented vehicle used in the production is stolen from the set. Worse, it contained an expensive piece of camera equipment (also rented). The vehicle is quickly recovered, but the camera equipment is nowhere to be found and there is damage to the vehicle. The cost of your production is suddenly mounting very quickly.

Could this have been prevented?

A commercial vehicle physical damage policy covers accidents mentioned above.

You’ll also want to ensure your production has production equipment insurance, which covers you against physical loss of or damage to, or destruction of, cameras, sound, lighting and grip equipment which are owned or rented by the production company.

A film production is a complex animal; you want the process to be as seamless as possible. Wouldn’t it be nice if there was one less thing to think about?

Ensure that your production is adequately covered so that you can concentrate on filmmaking rather than financing.

Topics: Camera Equipment Insurance, Camera Insurance, Camera Insurance Broker, online camera Insurance, digigear, Film equipment rental insurance, CAMÉRAS

Camera and Film Processing Insurance

Posted by Casey Budden on Oct 24, 2018 10:30:32 AM

film processing insurance

camera & film processing insurance

Put the Finishing Touches on your Film Without Worry.

Congratulations! Principal photography on your production is complete and so far, everything has gone off without a hitch. You’ve managed to remain on budget, and footage was delivered to the post facility on time. While you understand that editing is both an art and a science, the cut of the film you got back was not what you were looking for. Instead of seamless edits, you got jump cuts!

While faulty editing is a problem that will cost your production time and money, it’s not the most serious risk you face at this stage. Let’s consider a second scenario.

Imagine you’re making a documentary about jazz. Your sound engineer composes an original piece to be used as background music in a scene. All is well and good until a famous jazz musician sues for copyright infringement, claiming that the music is too similar to a well-known piece of theirs. While you know the case would be won in court, the associated delay and cost would harm your production.

Your film is slated to be broadcast in a matter of months, and the clock is ticking.

The best defense against unforeseen perils such as the above is a specialized insurance policy designed to protect you, the filmmaker. Entertainment Package Policy includes:

1. Faulty Stock, Camera, & Processing insurance.

Faulty Stock, Camera & Processing insurance provides protection against:

  • Loss, damage or destruction of 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 videotape recorders).
  • Faulty sound equipment
  • Faulty developing
  • Faulty editing and faulty processing
  • Accidental erasure of videotape recording

But does not cover: Loss caused by errors of judgment in exposure, lighting or sound recording, or from the use of incorrect type of camera, lens, raw film or tape stock.

2. Commercial General Liability.

This is a standard liability coverage included in entertainment package policies which will arrange a defense if you are sued for reasons connected with your production, regardless of whether the suit has any merit. Returning to the example above involving music, this coverage would prevent you from having to pay for legal defense costs out of pocket.

You’ve come too far to let unforeseen circumstances put you behind.

Make sure you have the right insurance coverage.

Topics: Camera Equipment Insurance, Camera Insurance, Camera Insurance Broker, online camera Insurance, digigear, CAMÉRAS

Newly Acquired Camera Equipment Insurance Coverage

Posted by David Hamilton on Sep 25, 2018 11:27:46 AM

Camera insurance Canada, gearWhen photography equipment is damaged or stolen what do you do? Ultimately your camera equipment insurance policy should provide the necessary coverage to replace your equipment; however it can take weeks, to get insurance claims paid out. So what do you do in the meantime?

If you intend to continue your business, you need to resume operations as quickly as possible, and that work requires new equipment.  Newly acquired equipment coverage provides reimbursement for any costs that you incur to replace gear that has been stolen or damaged. Newly acquired equipment coverage is not automatically included on a photographer insurance policy. Make sure your photography equipment insurance policy includes extra expense newly acquired equipment coverage.

Does your current policy provide this coverage?

Front Row now offers on line camera insurance: https://photographer.frontrowinsurance.com

Insure your gear for as low as $10 (plus a fee). Get a quote in 1 minute. A policy in 5 minutes. Worldwide coverage. Protect your gear against: theft, breakage, fire and more. Liability is also available.

Click now for a free, no obligation online quote:  https://photographer.frontrowinsurance.com

Topics: Camera Equipment Insurance, photography insurance, digigear

Filmmakers: You May NOT be Covered under a Homeowners Insurance Policy

Posted by David Hamilton on May 23, 2016 12:18:22 PM

Equipment_insurance_banner.jpgYou arrive back at your apartment to find your door pried open and your camera, sound and lighting gear missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a  web search and sees  that you have credits on IMDB for various productions. Because you are hired with your gear as a part of your weekly rate, your gear is now considered “commercial” equipment and as such, not covered by your homeowner’s insurance policy which is intended to cover “personal” film gear that is not used for commercial purposes.

You tell the adjuster that you only worked  twice in the last 12 months on two low budget music videos and made less than $300. The adjuster shrugs, “It doesn’t matter, even if you shoot a birthday party for 60 minutes for $50, you are a professional and your gear is  considered commercial and is no longer covered under a homeowners policy”.

This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professionals assume they are covered by their homeowners insurance policy when in fact they are not.

If you use your gear to make money, check your insurance policy and make sure your coverage is appropriate.

We have created a 5-minute online insurance solution called DigiGear:

Available at:  https://digigearinsure.frontrowinsurance.com

The policy term is for 12 months and coverage is provided throughout Canada and the USA.

All equipment is covered for replacement cost for:  theft, damage, fire and loss of use. Rental coverage is also available.

The online link ensures industry-low prices:

  • $10,000 equipment coverage: $80 plus a fee
  • $2,000,000 location liability coverage: $500.  Liability covers property damage and bodily injury to third parties. Pays legal fees too.
  • $1,000 deductible for gear

For a limited time get $50 off.  Use code: $50discount at: https://digigearinsure.frontrowinsurance.com

"We wanted to make the insurance process easier, faster and cheaper for musicians,” said David Hamilton, President of Front Row “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process an on line film equipment  insurance policy is much less  and we have passed the savings onto the gear owner. The savings is expected to be 30% compared to standard film equipment policies. Although the DigiGear policy is online, we are still available to answer questions by e mail or over the phone if required.”

Topics: Film equipment insurance, Camera Equipment Insurance, online camera Insurance, digigear