How a Specialized Film Insurance Broker can help your Production

Posted by David Hamilton on Feb 29, 2016 9:39:49 AM

But first, what are insurance brokers?

Insurance Brokers work for the client to represent their interests, negotiating the lowest possible premium and the broadest coverage available. This is very different from an insurance agent, who represents the interests of an insurer. Brokers must take on-going to courses to maintain their licenses, which must be renewed yearly. They must be insured in each province for which they provide advice, so producers should check to see that their broker is licensed in the province in which they will shoot to prevent the production company from being fined.

 

What is a brokerage?

logo5Front Row, for example, is a brokerage, housing a group of national experts – brokers who have specialized in the study and practice of insurance for film production, TV series, documentaries, webisodes, music videos and more. A brokerage must carry its own E&O insurance because brokers are responsible for their actions and can be sued for professional negligence if their advice is deemed to be faulty. It’s important to know the limit of the E&O insurance the brokerage holds:  $1,000,000 may not be enough once legal fees are deducted from the limit. The strength of a brokerage will determine its relationship with the four film insurance companies which underwrite productions in Canada: Chubb, Fireman’s Fund, Everest and Travelers.  Because of its size and specialization, Front Row has a unique relationship with these insurers, allowing its brokers to get the best coverage at the best price from the right insurer.

 

What can a specialized broker do for you?

  • Make sure the insurance company pays the amount of the claim you are entitled to
  • Help you to understand the specific language shown on Film Production Policies
  • Act as a conduit between you and the insurance company. 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 you on ways to limit potential liabilities during production
  • Review your existing insurance policies to reveal gaps or deficiencies in the coverage
  • Comprehensively review your production to assess the amount and type of insurance required
  • Help you understand what coverage you have and do not have and explain any limits to the coverage

 

Some tips on working with a broker

  •          Make sure they are licensed wherever you shoot
  •          Ask about their E&O coverage
  •          Make sure they offer specialized, knowledgeable advice in a clear and easy-to read format

 

Tags: Film Insurance, Film insurance broker, Entertainment Insurance Broker, Specialized film insurance broker, Canada Film Broker, Front Row Insurance Brokers, Camera Insurance Broker

QU'EST-CE QU'UNE POLICE D' Assurance ANUELLE DE FILM?

Posted by Meghan Stickney on Aug 13, 2014 3:27:00 PM

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C’ est une  police film d’assurance  pour gagner du temps et de l'argent si vous prévoyez plusieurs projets au cours des 12 prochains mois. 

La police d’assurance «dice» signifie et couvre:

Documentaires, vidéos corporatifs , commerciaux,  films éducatifs. Il couvre également les Clips et le court métrage.

Exclut *: budget de plus 150.000 en  long métrage ou  / Télévision 

- Série télévisée ou épisodes

- Productions avec des périodes de tournage de  + 90 Jours.

(* sauf indication pour approbation  et, dans certains cas, une prime supplémentaire s'applique)

 

Une police assurance anuelle de film offre une couverture préétabli pour un an pour votre bureau et tous vos productions - à l'exception des films  et des séries avec des budgets plus de $ 150,000.

Nous allons vous fournir  des certificats en blanc pour l'année, ce qui vous permet de reserver  les endroits et louer du matériel à la dernière minute .

Responsabilité civile générale est moins cher avec une police  annuelle  parce que vous ne payez qu’ une fois par an et couvre l'ensemble de vos projets dans une période de 12 mois. Beaucoup moins de travail et à moindre  coût de pour la couverture de chacun de vos projets.

Un police  typique d'un producteur avec  250.000 dollars  de productions annuelles  est la suivante:

 COUVERTURE  
 LIMITE $ 
 Film négatif / Videotape   250,000
 Stock défectueux, camera , Développement     250,000
 Accessoires, décors et costumes    200,000
 Matériel loué  divers  750,000

 Matériel divers vous appartenant

(prime supplémentaire s'appliquera) 

 Comme Requis 
 Responsabilité pour dommages aux biens  2,000,000
 Frais supplémentaires   200,000
 Contenu de bureau  100,000
 Débiteurs  25,000
 Argent et valeurs  25,000
 Dommages causés à des véhicules  150,000 par véhicule  
 Responsabilité civile générale   2,000,000

 

Coûts: 

  • Une prime de dépôt débute à 1500 $. 

  • Vos coûts finaux de productions brutes pour toutes les productions réalisées pendant la durée de la police  sont signalés à la Société dans les 30 jours suivant l'expiration ou la résiliation de la couverture. 

  • La prime annuelle gagnée est calculée en appliquant le taux par 100 $ de coûts de production réels bruts établis à la date de création de la police
  • Une prime minimum de 1500 $ sera applicable quels que soient les termes de couverture. 

  • Les primes peuvent être financés sur l'année pour aider votre flux de trésorerie. 

  • Nos taux  varient  en fonction du rapport Film / Vidéo, types de productions et le nombre de productions annuelles estimées. 

  • La couverture de responsabilité générale (pour couvrir les lieux de tournage  contre les dommages matériels ou corporels causés par votre équipe) est en sus. Par exemple, une limite $ 2,000,000 coûterait $ 750 par an; une limite $ 500,000  coûterait $ 1000 par an. 

Appelez-nous ou envoyez-nous un courriel pour une soumission  une description de la couverture demandée ainsi que  de plus amples informations. 

EN SAVOIR PLUS

 

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Umbrella Vs. Excess Liability Insurance Coverage for Film Production

Posted by David Hamilton on Jan 2, 2013 9:33:00 AM

A typical production company will purchase liability insurance to provide coverage for claims relating to third party bodily injury and/or property damage caused by the production’s activities. As the majority of production companies will use vehicles on/off set, along with mobile equipment, watercraft and/or aircraft, they must also consider liability protection for these exposures too.

Whichever type of liability policy or policies are selected by a production company; there is a “primary” layer of coverage.  Depending upon the limit of the primary general liability coverage, a production company may wish to purchase additional limits of  protection: a filming location may require 10mil or more of coverage although 5mil is a common limit of coverage in Canada.

This additional layer of liability coverage  is called umbrella  or excess coverage.

Either Excess or Umbrella coverage is triggered when the primary protection’s limits have been breached, i.e. the underlying policy limit is exhausted.

Theoretically, an Umbrella Policy supplements it’s excess coverage to  include miscellaneous and unidentified loss exposures that are not covered by an underlying policy.  This is an advantage of an umbrella liability policy. Since there isn’t a source of primary protection for these exposures, a form of high deductible, called a self-insured retention, is applied to such losses.

An Excess Policy does NOT provide broader coverage; it only serves to supplement whatever coverage exists in the primary layer.  It’s becoming increasingly common for such coverage to be provided on a Following Form basis.  These forms are written so that they track the coverage, exclusions, and provisions of the underlying policies.

Simply stated, an Umbrella Policy will provide additional protection for your production company with different coverage that may not be in your underlying policy. An Excess Policy will further protect your production company by adding extra protection onto the limits of your underlying policy.

If you seek additional coverage for your production company, be sure to pay attention to what is stated in the form. The term umbrella may be used even when the form does not provide true umbrella coverage. For additional information relating to the above, please contact Front Row Insurance Brokers: david@frontrowinsurancebrokers.com

 

 

Tags: Film Production Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production Insurance Premiums, Front Row Insurance Brokers, entertainment package insurance

Film Production Companies & Pyrotechnics: Film Insurance Best Practices

Posted by David Hamilton on Dec 4, 2012 2:42:00 PM

If you plan to use pyrotechnics during your film production, determine the potential hazards and conduct a risk assessment for each potential hazard to minimize your film insurance costs.

Avoid the following common pyrotechnic mistakes:

1.            Triggering the pyrotechnic effect prematurelyPyrotechnics

2.            Using more pyrotechnic material than necessary

3.            Not having fire extinguishers of a suitable type and capacity available

4.            Assigning duties to inadequately trained or inexperienced pyro technicians or assistants

5.            Entering danger areas before the special effects coordinator has inspected them and the all-clear signal has sounded.

Work safely to achieve realism: When planning stunts and special effects, always look for the safest way to execute the scene. Consider using scale models and computer simulations as replacements for live stunts and pyrotechnics.

Inform the Cast and Crew:

On call sheets, include safety information related to pyrotechnic special effects and make sure to inform your film insurance broker so that they can advise the film insurance underwriter. Specify restricted or no-access areas as well as viewing locations, if they are available.

Conduct a safety talk and dry run before filming a pyrotechnic special effect. If you make changes to scheduled pyrotechnics, hold another talk to explain the changes and any revised safety precautions.

 

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

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

 

 

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Film Production Companies and Camera Cars: Reducing the Risk

Posted by David Hamilton on Nov 26, 2012 5:42:00 PM

The camera car should  be engineered specifically for film and television production. The insert-camera car operator has the authority to suspend operation of the vehicle if they believe the vehicle is unsafe in any way.

General Guidelines – Follow these safety requirements when working with insert-camera cars:

  • Inspect the car – including the brakes, tires, electrical system, and towing equipment – before and after each use
  • Qualified, experienced workers must rig the car
  • When using an insert-camera car at night, install two portable tail lights on the towing vehicle
  • Do not transport crew members or equipment not directly needed for the shot sequence
  • Do not ride on the tow bar or on the exterior of the towed vehicle. Crew members may ride on a towed camera platform specifically designed for this type of work, as long as they use the necessary restraints and harnesses.
  • In most cases, insert-camera cars require a police escort during operation

 

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 contact us if you have any questions.

 

Tags: Film Insurance, Film Production Equipment, Film Production Insurance, Production Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production Companies, Film Production Insurance claims, Film Insurance claims, Film Production Insurance Premiums, Specialized film insurance broker, Film Gear insurance, entertainment package insurance, Film insurance broker, film insurance underwriter

Substantial Film Insurance Savings in Vancouver compared to Los Angeles

Posted by David Hamilton on Nov 21, 2012 5:08:00 PM

It is much less expensive to  insure a film production in Vancouver as compared to Los Angeles - $30,000 less for a film budgeted at $5,000,000.. This is a substantial benefit to a producer that is considering Louisiana, New Mexico or LA vs Vancouver.

I have prepared an excel premium savings spreadsheet for you to share with US Producers to make them aware of yet another good reason to film in BC!

You can download the premium savings spreadsheet here

Please let me know if you have any questions.

I hope to see you at the Whistler Film Festival.

david@frontrowinsurance.com

   1 604 684 3456

 

                                Front Row Insurance                                           

                                                        

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Risk Assessments for Film Productions

Posted by David Hamilton on Nov 20, 2012 1:44:00 PM

Most workplace injuries and diseases can be prevented by identifying and dealing with potential workplace hazards and unsafe work practices.

 

Q. When do you need to conduct a risk assessment?

 

A.  For each potentially hazardous activity or situation involved in your production. Ie.

  • Stunts
  • Special Effects
  • Water work
  • Helicopters, Fixed-wing aircraft, and gliders
  • Exotic or domestic animals and reptiles
  • Potentially hazardous location

 

Conducting Risk Assessments – 3 basic steps

 

  1. Identify potential hazards and unsafe work practices
  2. Assess the risks associated with the potential hazards or unsafe work practices
  3. Deal with the potential hazards or unsafe work practices

Remember: Write your risk assessments on paper, that way they can be attached to call sheets and used as a reference in case they are needed at a later date.

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)

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Film Production Companies and Lighting Safety

Posted by David Hamilton on Nov 19, 2012 11:05:00 AM

Lighting – Set up  Film Set Lighting Safely

 

  • Use appropriate fall protection equipment when setting up lighting
  • Ensure that all lighting fixtures are supported so that they will not fall ie. Use safety wire or chain to suspend fixtures
  • Ensure that all lighting stands are property weighted with sandbags
  • Cover arc-type lamps such as HMIs in wet weather to prevent rain from entering the unit and ballast
  • When using open-faced lighting units, provide protection from shrapnel in case the bulb explodes
  • Ensure that scaffolds or other metal grids that are used to support the lighting are grounded
  • Before using any grounded equipment, test for continuity between the ground pin on the plug and the metal parts of the lighting equipment
  • Before relamping or repairing a light, turn it off and disconnect it from the power source.

 

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)

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Call Sheets Help Reduce Film Production Insurance Costs

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

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 ie. 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 ie. Aerial filming etc.

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)

 

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Focus on Safety to Reduce Film Production Workers Compensation Claims

Posted by David Hamilton on Nov 13, 2012 2:06:00 PM

Film production companies have an obligation towards their cast and crew members, and must ensure their health and safety.

Production Companies should:

  • Develop and implement health & safety programs
  • Provide first aid equipment and emergency procedures for workers
  • Provide personal protective clothing and equipment for workers where required by the Regulation
  • Hire qualified, Competent Workers with the proper tickets and qualifications
  • Report all incidents involving medical treatments or lost time from injury or disease to the WCB.
  • Investigate all incidents, involving near misses
  • Ensure that cast and crew follow all WCB, municipal, provincial and federal requirements

 

Cast and Crew must W.A.I.F.

 

  • Wear personal protective clothing and equipment when required
  • Alert the supervisor or production company to potential hazards
  • Immediately report work they consider unsafe to their supervisor
  • Follow safe work procedures

 

Production Companies should form a joint health and safety committee that is responsible for identifying potential hazards or unsafe work practices and providing suggestions to improve conditions. The committee delegates should ensure that regular workplace inspections are carried out, and confirm that incidents are investigated. Above all, it’s important to consider and respond to heath and safety recommendations from the cast & crew.

Some examples of task allocations per position are:

Production Manager – Ensure that sets and locations are inspected for potential hazards and that potential hazards are eliminated or controlled.

Production Coordinator – Communicate the distribution of information to cast, crew members and various departments within the production company.

Director – Support assistant directors in their occupational health & safety responsibilities

Director of Photography – Make safety a priority when placing cameras and setting up lighting

Construction Coordinator – Ensure that the construction mill has a first aid facility stocked with appropriate supplies

Location Manager – Assess all locations for potential hazards (starting from the time of the initial scout)

SPFX/Stunt Coordinator – Hold safety talks immediately before any scheduled special effect or stunt

 

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

Tags: Film Insurance, Film Production, Film Production Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production Companies, Film Insurance claims, Film Production Insurance Premiums, Film Producers, Workers Comp insurance

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