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policy","afterPostBody":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":true,"htmlTitle":"The Best Wedding Venues in Charleston, South Carolina","audienceAccess":"PUBLIC","postSummary":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>\n","postBody":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>\n<!--more-->\n<p>Charleston, South Carolina has no shortage of impressive venues that are appropriate for hosting weddings. We’ll list some of them in this article.</p>\n<p>We’ll discuss, in no particular order:</p>\n<ul>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#church\" rel=\"noopener\">Best church/synagogue/mosque wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#outdoor\" rel=\"noopener\">Best outdoor wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#restaurant\" rel=\"noopener\">Best restaurant wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#other\" rel=\"noopener\">Best other wedding venues</a></li>\n<li><a href=\"https://events.frontrowinsurance.com/us\"><span>Best wedding insurance provider</span></a><br><em><span style=\"background-color: yellow;\">Get $15 off your wedding insurance policy by entering this code in the \"Coupon code\" box on the portal: <strong>SCWedding$15off</strong></span></em></li>\n</ul>\n<p>&nbsp;</p>\n<a id=\"church\" data-hs-anchor=\"true\"></a>\n<h2>Best church/synagogue/mosque wedding venues in Charleston</h2>\n<h3>St. Michael's Episcopal Church</h3>\n<p><strong>URL</strong>: <a href=\"https://www.stmichaelschurch.net/\">https://www.stmichaelschurch.net/</a></p>\n<p>Located at 71 Broad Street, this church is the oldest surviving religious structure in Charleston, South Carolina, built in the 1750s.</p>\n<p>This church is listed on the National Register of Historic Places and is a National Historic Landmark.</p>\n<h3>Cathedral of Saint John the Baptist</h3>\n<p><strong>URL</strong>: <a href=\"https://charlestoncathedral.com/\">https://charlestoncathedral.com/</a></p>\n<p>Located at 120 Broad Street, this church is the mother church of the Roman Catholic Diocese of Charleston, South Carolina.</p>\n<p>The first brownstone cathedral was built in 1854 and named the Cathedral of Saint John and Saint Finbar.</p>\n<h3>First Scots Presbyterian Church</h3>\n<p><strong>URL</strong>: <a href=\"https://first-scots.org/\">https://first-scots.org/</a></p>\n<p>Located at 53 Meeting Street, this church was established in 1731 when a dozen Scottish residents left the Independent Church of Charleston.</p>\n<p>The buildings design was inspired by Baltimore Basilica in Baltimore, Maryland. It contains a number of Scottish symbols in stained glass windows.</p>\n<h3>Kahal Kadosh Beth Elohim</h3>\n<p><strong>URL</strong>: <a href=\"https://www.kkbe.org/\">https://www.kkbe.org/</a></p>\n<p>Since 1749, Kahal Kadosh Beth Elohim has been at the spiritual heart of Jewish Charleston.</p>\n<p>This congregation meets in an architecturally significant 1840 Greek Revival synagogue located at 90 Hasell Street, Charleston.</p>\n<h3>Central Mosque of Charleston</h3>\n<p><strong>URL</strong>: <a href=\"https://charleston.com/businesses/central-mosque-of-charleston\">https://charleston.com/businesses/central-mosque-of-charleston</a></p>\n<p>The Central Mosque of Charleston (CMC), located at 1082 King Street, Charleston, is a house of worship for people with ethnic backgrounds of about thirty different nationalities.</p>\n<p>The CMC provides wedding/nikah services to Muslims.</p>\n<p>&nbsp;</p>\n<a id=\"outdoor\" data-hs-anchor=\"true\"></a>\n<h2>Best outdoor wedding venues in Charleston</h2>\n<h3>Magnolia Plantation and Gardens</h3>\n<p><em><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/magnolia-gardens-shutterstock_301691957-forweb600.jpg\" width=\"400\" height=\"263\" loading=\"lazy\" alt=\"Magnolia Plantation and Gardens\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></em></p>\n<p><strong>URL</strong>: <a href=\"https://www.magnoliaplantation.com/\">https://www.magnoliaplantation.com/</a></p>\n<p>From the Audubon Swamp Garden to the historic River Walk, Magnolia has something for everyone.</p>\n<p>In the early 1840s, the Rev. John Grimké Drayton designed this romantic-style garden to showcase his azalea and camellia collections.</p>\n<h3>Middleton Place</h3>\n<p><strong>URL</strong>: <a href=\"https://www.middletonplace.org/\">https://www.middletonplace.org/</a></p>\n<p>A National Historic Landmark and home to the oldest landscaped gardens in America.</p>\n<p>Middleton Place is an enduring, essential part of the American experience, and an unforgettable setting for one-of-a-kind weddings.</p>\n<h3>Legare Waring House and Gardens</h3>\n<p><strong>URL</strong>: <a href=\"https://southcarolinaparks.com/legare-waring-house\">https://southcarolinaparks.com/legare-waring-house</a></p>\n<p>Many memorable weddings have taken place at this historic 1840s home, which resides amid the manicured gardens of Charles Towne Landing, the site of South Carolina's first permanent settlement.</p>\n<h3>Hampton Park</h3>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)</a></p>\n<p>Hampton Park is a public park located in peninsular Charleston, South Carolina.</p>\n<p>The park is bordered by The Citadel to the west, Hampton Park Terrace to the south, North Central to the east, and Wagener Terrace to the north.</p>\n<h3>Waterfront Park</h3>\n<p><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/waterfront-park-sc-shutterstock_1035783793-forweb600.jpg\" width=\"400\" height=\"267\" loading=\"lazy\" alt=\"Waterfront Park\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></p>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)</a></p>\n<p>Waterfront Park is an eight-acre park along approximately one-half mile of the Cooper River in Charleston, South Carolina.</p>\n<p>The park received the 2007 Landmark Award from the American Society of Landscape Architects and the National Trust for Historic Preservation.</p>\n<p>&nbsp;</p>\n<a id=\"restaurant\" data-hs-anchor=\"true\"></a>\n<h2>Best restaurant wedding venues in Charleston</h2>\n<h3>Halls Chophouse</h3>\n<p><strong>URL</strong>: <a href=\"https://www.hallschophouse.com/\">https://www.hallschophouse.com/</a></p>\n<p>The Hall family opened the doors of Halls Chophouse Charleston in 2009, but their pursuit of exceptional hospitality started long before.</p>\n<p>Located at 434 King St, Charleston, SC, this steakhouse is an appropriate venue for an elegant wedding celebration.</p>\n<h3>High Cotton</h3>\n<p><strong>URL</strong>: <a href=\"https://www.highcottoncharleston.com/private-events/\">https://www.highcottoncharleston.com/private-events/</a></p>\n<p>High Cotton restaurant is located at 199 E Bay St, Charleston, SC, and is available to be booked for private events, including weddings.</p>\n<p>Their main dining room is able to accommodate up to 100 seated, 150 reception. They also have a French Quarter room and East Bay room available to be booked.</p>\n<h3>The Ordinary</h3>\n<p><strong>URL</strong>: <a href=\"https://eattheordinary.com/\">https://eattheordinary.com/</a></p>\n<p>The Ordinary is a Southern seafood hall and oyster bar located in an old bank in Charleston.</p>\n<p>This restaurant has some limited availability for groups larger than six guests.</p>\n<h3>Harborside East</h3>\n<p><strong>URL</strong>: <a href=\"http://www.harborsideeast.com/\">http://www.harborsideeast.com/</a></p>\n<p>Harborside East offers a waterfront venue with views of the harbor and downtown Charleston. While technically in Mount Pleasant, it's close to downtown Charleston and provides a restaurant-style wedding experience.</p>\n<h3>Zero</h3>\n<p><strong>URL</strong>: <a href=\"https://zerorestaurantcharleston.com/\">https://zerorestaurantcharleston.com/</a></p>\n<p>Zero George Street Hotel/Restaurant was “not intended” as a wedding venue, but a buyout of the property (all 16 rooms) is possible for large groups/wedding parties.</p>\n<p>&nbsp;</p>\n<a id=\"other\" data-hs-anchor=\"true\"></a>\n<h2>Best other wedding venues in Charleston</h2>\n<h3>William Aiken House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.pphgcharleston.com/venues/william-aiken-house/\">https://www.pphgcharleston.com/venues/william-aiken-house/</a></p>\n<p>Located at 456 King St. in Charleston, SC, this house features sweeping ballrooms and is available to be booked for weddings.</p>\n<p>This venue can accommodate up to 500 guests. Built in 1807.</p>\n<h3>Gadsden House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.gadsdenhouse.com/\">https://www.gadsdenhouse.com/</a></p>\n<p>Located in Downtown Charleston, Gadsden House is a perfect space for wedding ceremonies + receptions and rehearsal dinners.</p>\n<h3>Cedar Room</h3>\n<p><strong>URL</strong>: <a href=\"https://www.thecedarroom.com/\">https://www.thecedarroom.com/</a></p>\n<p>More than 7,500 square feet of event space inside the Cigar Factory overlooking Cooper River. This venue is available to be booked for weddings.</p>\n<h3>Cotton Dock at Boone Hall Plantation</h3>\n<p><strong>URL</strong>: <a href=\"https://www.boonehallplantation.com/weddings/\">https://www.boonehallplantation.com/weddings/</a></p>\n<p>There is no question that The Cotton Dock is the most famous and most popular venue at Boone Hall Plantation.</p>\n<p>The majestic front lawn in front of the mansion, the intimate patio area behind, and the spacious back lawn flanked by tidal marshes all create spectacular possibilities for any wedding.</p>\n<h3>Governor Thomas Bennett House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.governorthomasbennetthouse.com/\">https://www.governorthomasbennetthouse.com/</a></p>\n<p>The Governor Thomas Bennett House offers endless options for your wedding.</p>\n<p>The house is located downtown, just minutes from most major hotels, conference spaces and attractions.</p>\n<p>&nbsp;</p>\n<h2>Get Wedding Event Insurance: Buy Online in the US from Front Row</h2>\n<p>If you’re researching wedding venues in Charleston, chances are good that you’re getting married or know somebody who is. Consider <span style=\"font-weight: bold;\">wedding insurance</span>. Get a quote:</p>\n<ul>\n<li><a href=\"https://events.frontrowinsurance.com/us\" rel=\"noopener\"><span>Wedding Insurance (</span><span>USA</span><span>)</span></a><span style=\"color: black;\">: if you’re holding a private event at one of the above venues, you can buy </span>insurance for the day of your event from Front Row.<br><br></li>\n<li style=\"border: none; margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"https://www.frontrowinsurance.com/short-term-production-insurance-for-filmmakers-us?hsLang=en\"><span>Short Shoot Insurance (USA)</span></a>: if you’re doing any filming at the venue, it would make sense to get short-term production insurance, which covers up to 15 consecutive days.</li>\n</ul>\n<p><em><span style=\"font-weight: normal;\">About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment 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></em></p>\n<h3>Related posts:</h3>\n<ul>\n<li><a href=\"/en-us/wedding-insurance-sc\" rel=\"noopener\">Wedding insurance in South Carolina</a></li>\n<li><a href=\"/staff/grant-patten\" rel=\"noopener\">Author: Grant Patten</a></li>\n<li>Google Web Story: <a href=\"https://stories.frontrowinsurance.com/best-wedding-venues-in-charleston/\" rel=\"noopener\">The best wedding venues in Charleston</a></li>\n</ul>","rssSummary":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>\n","rssBody":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>\n<!--more-->\n<p>Charleston, South Carolina has no shortage of impressive venues that are appropriate for hosting weddings. We’ll list some of them in this article.</p>\n<p>We’ll discuss, in no particular order:</p>\n<ul>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#church\" rel=\"noopener\">Best church/synagogue/mosque wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#outdoor\" rel=\"noopener\">Best outdoor wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#restaurant\" rel=\"noopener\">Best restaurant wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#other\" rel=\"noopener\">Best other wedding venues</a></li>\n<li><a href=\"https://events.frontrowinsurance.com/us\"><span>Best wedding insurance provider</span></a><br><em><span style=\"background-color: yellow;\">Get $15 off your wedding insurance policy by entering this code in the \"Coupon code\" box on the portal: <strong>SCWedding$15off</strong></span></em></li>\n</ul>\n<p>&nbsp;</p>\n<a id=\"church\" data-hs-anchor=\"true\"></a>\n<h2>Best church/synagogue/mosque wedding venues in Charleston</h2>\n<h3>St. Michael's Episcopal Church</h3>\n<p><strong>URL</strong>: <a href=\"https://www.stmichaelschurch.net/\">https://www.stmichaelschurch.net/</a></p>\n<p>Located at 71 Broad Street, this church is the oldest surviving religious structure in Charleston, South Carolina, built in the 1750s.</p>\n<p>This church is listed on the National Register of Historic Places and is a National Historic Landmark.</p>\n<h3>Cathedral of Saint John the Baptist</h3>\n<p><strong>URL</strong>: <a href=\"https://charlestoncathedral.com/\">https://charlestoncathedral.com/</a></p>\n<p>Located at 120 Broad Street, this church is the mother church of the Roman Catholic Diocese of Charleston, South Carolina.</p>\n<p>The first brownstone cathedral was built in 1854 and named the Cathedral of Saint John and Saint Finbar.</p>\n<h3>First Scots Presbyterian Church</h3>\n<p><strong>URL</strong>: <a href=\"https://first-scots.org/\">https://first-scots.org/</a></p>\n<p>Located at 53 Meeting Street, this church was established in 1731 when a dozen Scottish residents left the Independent Church of Charleston.</p>\n<p>The buildings design was inspired by Baltimore Basilica in Baltimore, Maryland. It contains a number of Scottish symbols in stained glass windows.</p>\n<h3>Kahal Kadosh Beth Elohim</h3>\n<p><strong>URL</strong>: <a href=\"https://www.kkbe.org/\">https://www.kkbe.org/</a></p>\n<p>Since 1749, Kahal Kadosh Beth Elohim has been at the spiritual heart of Jewish Charleston.</p>\n<p>This congregation meets in an architecturally significant 1840 Greek Revival synagogue located at 90 Hasell Street, Charleston.</p>\n<h3>Central Mosque of Charleston</h3>\n<p><strong>URL</strong>: <a href=\"https://charleston.com/businesses/central-mosque-of-charleston\">https://charleston.com/businesses/central-mosque-of-charleston</a></p>\n<p>The Central Mosque of Charleston (CMC), located at 1082 King Street, Charleston, is a house of worship for people with ethnic backgrounds of about thirty different nationalities.</p>\n<p>The CMC provides wedding/nikah services to Muslims.</p>\n<p>&nbsp;</p>\n<a id=\"outdoor\" data-hs-anchor=\"true\"></a>\n<h2>Best outdoor wedding venues in Charleston</h2>\n<h3>Magnolia Plantation and Gardens</h3>\n<p><em><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/magnolia-gardens-shutterstock_301691957-forweb600.jpg\" width=\"400\" height=\"263\" loading=\"lazy\" alt=\"Magnolia Plantation and Gardens\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></em></p>\n<p><strong>URL</strong>: <a href=\"https://www.magnoliaplantation.com/\">https://www.magnoliaplantation.com/</a></p>\n<p>From the Audubon Swamp Garden to the historic River Walk, Magnolia has something for everyone.</p>\n<p>In the early 1840s, the Rev. John Grimké Drayton designed this romantic-style garden to showcase his azalea and camellia collections.</p>\n<h3>Middleton Place</h3>\n<p><strong>URL</strong>: <a href=\"https://www.middletonplace.org/\">https://www.middletonplace.org/</a></p>\n<p>A National Historic Landmark and home to the oldest landscaped gardens in America.</p>\n<p>Middleton Place is an enduring, essential part of the American experience, and an unforgettable setting for one-of-a-kind weddings.</p>\n<h3>Legare Waring House and Gardens</h3>\n<p><strong>URL</strong>: <a href=\"https://southcarolinaparks.com/legare-waring-house\">https://southcarolinaparks.com/legare-waring-house</a></p>\n<p>Many memorable weddings have taken place at this historic 1840s home, which resides amid the manicured gardens of Charles Towne Landing, the site of South Carolina's first permanent settlement.</p>\n<h3>Hampton Park</h3>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)</a></p>\n<p>Hampton Park is a public park located in peninsular Charleston, South Carolina.</p>\n<p>The park is bordered by The Citadel to the west, Hampton Park Terrace to the south, North Central to the east, and Wagener Terrace to the north.</p>\n<h3>Waterfront Park</h3>\n<p><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/waterfront-park-sc-shutterstock_1035783793-forweb600.jpg\" width=\"400\" height=\"267\" loading=\"lazy\" alt=\"Waterfront Park\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></p>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)</a></p>\n<p>Waterfront Park is an eight-acre park along approximately one-half mile of the Cooper River in Charleston, South Carolina.</p>\n<p>The park received the 2007 Landmark Award from the American Society of Landscape Architects and the National Trust for Historic Preservation.</p>\n<p>&nbsp;</p>\n<a id=\"restaurant\" data-hs-anchor=\"true\"></a>\n<h2>Best restaurant wedding venues in Charleston</h2>\n<h3>Halls Chophouse</h3>\n<p><strong>URL</strong>: <a href=\"https://www.hallschophouse.com/\">https://www.hallschophouse.com/</a></p>\n<p>The Hall family opened the doors of Halls Chophouse Charleston in 2009, but their pursuit of exceptional hospitality started long before.</p>\n<p>Located at 434 King St, Charleston, SC, this steakhouse is an appropriate venue for an elegant wedding celebration.</p>\n<h3>High Cotton</h3>\n<p><strong>URL</strong>: <a href=\"https://www.highcottoncharleston.com/private-events/\">https://www.highcottoncharleston.com/private-events/</a></p>\n<p>High Cotton restaurant is located at 199 E Bay St, Charleston, SC, and is available to be booked for private events, including weddings.</p>\n<p>Their main dining room is able to accommodate up to 100 seated, 150 reception. They also have a French Quarter room and East Bay room available to be booked.</p>\n<h3>The Ordinary</h3>\n<p><strong>URL</strong>: <a href=\"https://eattheordinary.com/\">https://eattheordinary.com/</a></p>\n<p>The Ordinary is a Southern seafood hall and oyster bar located in an old bank in Charleston.</p>\n<p>This restaurant has some limited availability for groups larger than six guests.</p>\n<h3>Harborside East</h3>\n<p><strong>URL</strong>: <a href=\"http://www.harborsideeast.com/\">http://www.harborsideeast.com/</a></p>\n<p>Harborside East offers a waterfront venue with views of the harbor and downtown Charleston. While technically in Mount Pleasant, it's close to downtown Charleston and provides a restaurant-style wedding experience.</p>\n<h3>Zero</h3>\n<p><strong>URL</strong>: <a href=\"https://zerorestaurantcharleston.com/\">https://zerorestaurantcharleston.com/</a></p>\n<p>Zero George Street Hotel/Restaurant was “not intended” as a wedding venue, but a buyout of the property (all 16 rooms) is possible for large groups/wedding parties.</p>\n<p>&nbsp;</p>\n<a id=\"other\" data-hs-anchor=\"true\"></a>\n<h2>Best other wedding venues in Charleston</h2>\n<h3>William Aiken House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.pphgcharleston.com/venues/william-aiken-house/\">https://www.pphgcharleston.com/venues/william-aiken-house/</a></p>\n<p>Located at 456 King St. in Charleston, SC, this house features sweeping ballrooms and is available to be booked for weddings.</p>\n<p>This venue can accommodate up to 500 guests. Built in 1807.</p>\n<h3>Gadsden House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.gadsdenhouse.com/\">https://www.gadsdenhouse.com/</a></p>\n<p>Located in Downtown Charleston, Gadsden House is a perfect space for wedding ceremonies + receptions and rehearsal dinners.</p>\n<h3>Cedar Room</h3>\n<p><strong>URL</strong>: <a href=\"https://www.thecedarroom.com/\">https://www.thecedarroom.com/</a></p>\n<p>More than 7,500 square feet of event space inside the Cigar Factory overlooking Cooper River. This venue is available to be booked for weddings.</p>\n<h3>Cotton Dock at Boone Hall Plantation</h3>\n<p><strong>URL</strong>: <a href=\"https://www.boonehallplantation.com/weddings/\">https://www.boonehallplantation.com/weddings/</a></p>\n<p>There is no question that The Cotton Dock is the most famous and most popular venue at Boone Hall Plantation.</p>\n<p>The majestic front lawn in front of the mansion, the intimate patio area behind, and the spacious back lawn flanked by tidal marshes all create spectacular possibilities for any wedding.</p>\n<h3>Governor Thomas Bennett House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.governorthomasbennetthouse.com/\">https://www.governorthomasbennetthouse.com/</a></p>\n<p>The Governor Thomas Bennett House offers endless options for your wedding.</p>\n<p>The house is located downtown, just minutes from most major hotels, conference spaces and attractions.</p>\n<p>&nbsp;</p>\n<h2>Get Wedding Event Insurance: Buy Online in the US from Front Row</h2>\n<p>If you’re researching wedding venues in Charleston, chances are good that you’re getting married or know somebody who is. Consider <span style=\"font-weight: bold;\">wedding insurance</span>. Get a quote:</p>\n<ul>\n<li><a href=\"https://events.frontrowinsurance.com/us\" rel=\"noopener\"><span>Wedding Insurance (</span><span>USA</span><span>)</span></a><span style=\"color: black;\">: if you’re holding a private event at one of the above venues, you can buy </span>insurance for the day of your event from Front Row.<br><br></li>\n<li style=\"border: none; margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"https://www.frontrowinsurance.com/short-term-production-insurance-for-filmmakers-us?hsLang=en\"><span>Short Shoot Insurance (USA)</span></a>: if you’re doing any filming at the venue, it would make sense to get short-term production insurance, which covers up to 15 consecutive days.</li>\n</ul>\n<p><em><span style=\"font-weight: normal;\">About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment 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></em></p>\n<h3>Related posts:</h3>\n<ul>\n<li><a href=\"/en-us/wedding-insurance-sc\" rel=\"noopener\">Wedding insurance in South Carolina</a></li>\n<li><a href=\"/staff/grant-patten\" rel=\"noopener\">Author: Grant Patten</a></li>\n<li>Google Web Story: <a href=\"https://stories.frontrowinsurance.com/best-wedding-venues-in-charleston/\" rel=\"noopener\">The best wedding venues in Charleston</a></li>\n</ul>","postSummaryRss":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>","postBodyRss":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>\n<!--more-->\n<p>Charleston, South Carolina has no shortage of impressive venues that are appropriate for hosting weddings. We’ll list some of them in this article.</p>\n<p>We’ll discuss, in no particular order:</p>\n<ul>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#church\" rel=\"noopener\">Best church/synagogue/mosque wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#outdoor\" rel=\"noopener\">Best outdoor wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#restaurant\" rel=\"noopener\">Best restaurant wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#other\" rel=\"noopener\">Best other wedding venues</a></li>\n<li><a href=\"https://events.frontrowinsurance.com/us\"><span>Best wedding insurance provider</span></a><br><em><span style=\"background-color: yellow;\">Get $15 off your wedding insurance policy by entering this code in the \"Coupon code\" box on the portal: <strong>SCWedding$15off</strong></span></em></li>\n</ul>\n<p>&nbsp;</p>\n<a id=\"church\" data-hs-anchor=\"true\"></a>\n<h2>Best church/synagogue/mosque wedding venues in Charleston</h2>\n<h3>St. Michael's Episcopal Church</h3>\n<p><strong>URL</strong>: <a href=\"https://www.stmichaelschurch.net/\">https://www.stmichaelschurch.net/</a></p>\n<p>Located at 71 Broad Street, this church is the oldest surviving religious structure in Charleston, South Carolina, built in the 1750s.</p>\n<p>This church is listed on the National Register of Historic Places and is a National Historic Landmark.</p>\n<h3>Cathedral of Saint John the Baptist</h3>\n<p><strong>URL</strong>: <a href=\"https://charlestoncathedral.com/\">https://charlestoncathedral.com/</a></p>\n<p>Located at 120 Broad Street, this church is the mother church of the Roman Catholic Diocese of Charleston, South Carolina.</p>\n<p>The first brownstone cathedral was built in 1854 and named the Cathedral of Saint John and Saint Finbar.</p>\n<h3>First Scots Presbyterian Church</h3>\n<p><strong>URL</strong>: <a href=\"https://first-scots.org/\">https://first-scots.org/</a></p>\n<p>Located at 53 Meeting Street, this church was established in 1731 when a dozen Scottish residents left the Independent Church of Charleston.</p>\n<p>The buildings design was inspired by Baltimore Basilica in Baltimore, Maryland. It contains a number of Scottish symbols in stained glass windows.</p>\n<h3>Kahal Kadosh Beth Elohim</h3>\n<p><strong>URL</strong>: <a href=\"https://www.kkbe.org/\">https://www.kkbe.org/</a></p>\n<p>Since 1749, Kahal Kadosh Beth Elohim has been at the spiritual heart of Jewish Charleston.</p>\n<p>This congregation meets in an architecturally significant 1840 Greek Revival synagogue located at 90 Hasell Street, Charleston.</p>\n<h3>Central Mosque of Charleston</h3>\n<p><strong>URL</strong>: <a href=\"https://charleston.com/businesses/central-mosque-of-charleston\">https://charleston.com/businesses/central-mosque-of-charleston</a></p>\n<p>The Central Mosque of Charleston (CMC), located at 1082 King Street, Charleston, is a house of worship for people with ethnic backgrounds of about thirty different nationalities.</p>\n<p>The CMC provides wedding/nikah services to Muslims.</p>\n<p>&nbsp;</p>\n<a id=\"outdoor\" data-hs-anchor=\"true\"></a>\n<h2>Best outdoor wedding venues in Charleston</h2>\n<h3>Magnolia Plantation and Gardens</h3>\n<p><em><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/magnolia-gardens-shutterstock_301691957-forweb600.jpg\" width=\"400\" height=\"263\" loading=\"lazy\" alt=\"Magnolia Plantation and Gardens\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></em></p>\n<p><strong>URL</strong>: <a href=\"https://www.magnoliaplantation.com/\">https://www.magnoliaplantation.com/</a></p>\n<p>From the Audubon Swamp Garden to the historic River Walk, Magnolia has something for everyone.</p>\n<p>In the early 1840s, the Rev. John Grimké Drayton designed this romantic-style garden to showcase his azalea and camellia collections.</p>\n<h3>Middleton Place</h3>\n<p><strong>URL</strong>: <a href=\"https://www.middletonplace.org/\">https://www.middletonplace.org/</a></p>\n<p>A National Historic Landmark and home to the oldest landscaped gardens in America.</p>\n<p>Middleton Place is an enduring, essential part of the American experience, and an unforgettable setting for one-of-a-kind weddings.</p>\n<h3>Legare Waring House and Gardens</h3>\n<p><strong>URL</strong>: <a href=\"https://southcarolinaparks.com/legare-waring-house\">https://southcarolinaparks.com/legare-waring-house</a></p>\n<p>Many memorable weddings have taken place at this historic 1840s home, which resides amid the manicured gardens of Charles Towne Landing, the site of South Carolina's first permanent settlement.</p>\n<h3>Hampton Park</h3>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)</a></p>\n<p>Hampton Park is a public park located in peninsular Charleston, South Carolina.</p>\n<p>The park is bordered by The Citadel to the west, Hampton Park Terrace to the south, North Central to the east, and Wagener Terrace to the north.</p>\n<h3>Waterfront Park</h3>\n<p><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/waterfront-park-sc-shutterstock_1035783793-forweb600.jpg\" width=\"400\" height=\"267\" loading=\"lazy\" alt=\"Waterfront Park\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></p>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)</a></p>\n<p>Waterfront Park is an eight-acre park along approximately one-half mile of the Cooper River in Charleston, South Carolina.</p>\n<p>The park received the 2007 Landmark Award from the American Society of Landscape Architects and the National Trust for Historic Preservation.</p>\n<p>&nbsp;</p>\n<a id=\"restaurant\" data-hs-anchor=\"true\"></a>\n<h2>Best restaurant wedding venues in Charleston</h2>\n<h3>Halls Chophouse</h3>\n<p><strong>URL</strong>: <a href=\"https://www.hallschophouse.com/\">https://www.hallschophouse.com/</a></p>\n<p>The Hall family opened the doors of Halls Chophouse Charleston in 2009, but their pursuit of exceptional hospitality started long before.</p>\n<p>Located at 434 King St, Charleston, SC, this steakhouse is an appropriate venue for an elegant wedding celebration.</p>\n<h3>High Cotton</h3>\n<p><strong>URL</strong>: <a href=\"https://www.highcottoncharleston.com/private-events/\">https://www.highcottoncharleston.com/private-events/</a></p>\n<p>High Cotton restaurant is located at 199 E Bay St, Charleston, SC, and is available to be booked for private events, including weddings.</p>\n<p>Their main dining room is able to accommodate up to 100 seated, 150 reception. They also have a French Quarter room and East Bay room available to be booked.</p>\n<h3>The Ordinary</h3>\n<p><strong>URL</strong>: <a href=\"https://eattheordinary.com/\">https://eattheordinary.com/</a></p>\n<p>The Ordinary is a Southern seafood hall and oyster bar located in an old bank in Charleston.</p>\n<p>This restaurant has some limited availability for groups larger than six guests.</p>\n<h3>Harborside East</h3>\n<p><strong>URL</strong>: <a href=\"http://www.harborsideeast.com/\">http://www.harborsideeast.com/</a></p>\n<p>Harborside East offers a waterfront venue with views of the harbor and downtown Charleston. While technically in Mount Pleasant, it's close to downtown Charleston and provides a restaurant-style wedding experience.</p>\n<h3>Zero</h3>\n<p><strong>URL</strong>: <a href=\"https://zerorestaurantcharleston.com/\">https://zerorestaurantcharleston.com/</a></p>\n<p>Zero George Street Hotel/Restaurant was “not intended” as a wedding venue, but a buyout of the property (all 16 rooms) is possible for large groups/wedding parties.</p>\n<p>&nbsp;</p>\n<a id=\"other\" data-hs-anchor=\"true\"></a>\n<h2>Best other wedding venues in Charleston</h2>\n<h3>William Aiken House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.pphgcharleston.com/venues/william-aiken-house/\">https://www.pphgcharleston.com/venues/william-aiken-house/</a></p>\n<p>Located at 456 King St. in Charleston, SC, this house features sweeping ballrooms and is available to be booked for weddings.</p>\n<p>This venue can accommodate up to 500 guests. Built in 1807.</p>\n<h3>Gadsden House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.gadsdenhouse.com/\">https://www.gadsdenhouse.com/</a></p>\n<p>Located in Downtown Charleston, Gadsden House is a perfect space for wedding ceremonies + receptions and rehearsal dinners.</p>\n<h3>Cedar Room</h3>\n<p><strong>URL</strong>: <a href=\"https://www.thecedarroom.com/\">https://www.thecedarroom.com/</a></p>\n<p>More than 7,500 square feet of event space inside the Cigar Factory overlooking Cooper River. This venue is available to be booked for weddings.</p>\n<h3>Cotton Dock at Boone Hall Plantation</h3>\n<p><strong>URL</strong>: <a href=\"https://www.boonehallplantation.com/weddings/\">https://www.boonehallplantation.com/weddings/</a></p>\n<p>There is no question that The Cotton Dock is the most famous and most popular venue at Boone Hall Plantation.</p>\n<p>The majestic front lawn in front of the mansion, the intimate patio area behind, and the spacious back lawn flanked by tidal marshes all create spectacular possibilities for any wedding.</p>\n<h3>Governor Thomas Bennett House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.governorthomasbennetthouse.com/\">https://www.governorthomasbennetthouse.com/</a></p>\n<p>The Governor Thomas Bennett House offers endless options for your wedding.</p>\n<p>The house is located downtown, just minutes from most major hotels, conference spaces and attractions.</p>\n<p>&nbsp;</p>\n<h2>Get Wedding Event Insurance: Buy Online in the US from Front Row</h2>\n<p>If you’re researching wedding venues in Charleston, chances are good that you’re getting married or know somebody who is. Consider <span style=\"font-weight: bold;\">wedding insurance</span>. Get a quote:</p>\n<ul>\n<li><a href=\"https://events.frontrowinsurance.com/us\" rel=\"noopener\"><span>Wedding Insurance (</span><span>USA</span><span>)</span></a><span style=\"color: black;\">: if you’re holding a private event at one of the above venues, you can buy </span>insurance for the day of your event from Front Row.<br><br></li>\n<li style=\"border: none; margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"https://www.frontrowinsurance.com/short-term-production-insurance-for-filmmakers-us?hsLang=en\"><span>Short Shoot Insurance (USA)</span></a>: if you’re doing any filming at the venue, it would make sense to get short-term production insurance, which covers up to 15 consecutive days.</li>\n</ul>\n<p><em><span style=\"font-weight: normal;\">About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment 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></em></p>\n<h3>Related posts:</h3>\n<ul>\n<li><a href=\"/en-us/wedding-insurance-sc\" rel=\"noopener\">Wedding insurance in South Carolina</a></li>\n<li><a href=\"/staff/grant-patten\" rel=\"noopener\">Author: Grant Patten</a></li>\n<li>Google Web Story: <a href=\"https://stories.frontrowinsurance.com/best-wedding-venues-in-charleston/\" rel=\"noopener\">The best wedding venues in Charleston</a></li>\n</ul>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/charleston-sky-shutterstock_1577091133-forweb600.jpg","tagIds":[5465221705,30486043401,61505392395],"tagNames":["Wedding insurance","Best of","Event insurance US"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1695308911000},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":null,"blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>\n<!--more-->\n<p>Charleston, South Carolina has no shortage of impressive venues that are appropriate for hosting weddings. We’ll list some of them in this article.</p>\n<p>We’ll discuss, in no particular order:</p>\n<ul>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#church\" rel=\"noopener\">Best church/synagogue/mosque wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#outdoor\" rel=\"noopener\">Best outdoor wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#restaurant\" rel=\"noopener\">Best restaurant wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#other\" rel=\"noopener\">Best other wedding venues</a></li>\n<li><a href=\"https://events.frontrowinsurance.com/us\"><span>Best wedding insurance provider</span></a><br><em><span style=\"background-color: yellow;\">Get $15 off your wedding insurance policy by entering this code in the \"Coupon code\" box on the portal: <strong>SCWedding$15off</strong></span></em></li>\n</ul>\n<p>&nbsp;</p>\n<a id=\"church\" data-hs-anchor=\"true\"></a>\n<h2>Best church/synagogue/mosque wedding venues in Charleston</h2>\n<h3>St. Michael's Episcopal Church</h3>\n<p><strong>URL</strong>: <a href=\"https://www.stmichaelschurch.net/\">https://www.stmichaelschurch.net/</a></p>\n<p>Located at 71 Broad Street, this church is the oldest surviving religious structure in Charleston, South Carolina, built in the 1750s.</p>\n<p>This church is listed on the National Register of Historic Places and is a National Historic Landmark.</p>\n<h3>Cathedral of Saint John the Baptist</h3>\n<p><strong>URL</strong>: <a href=\"https://charlestoncathedral.com/\">https://charlestoncathedral.com/</a></p>\n<p>Located at 120 Broad Street, this church is the mother church of the Roman Catholic Diocese of Charleston, South Carolina.</p>\n<p>The first brownstone cathedral was built in 1854 and named the Cathedral of Saint John and Saint Finbar.</p>\n<h3>First Scots Presbyterian Church</h3>\n<p><strong>URL</strong>: <a href=\"https://first-scots.org/\">https://first-scots.org/</a></p>\n<p>Located at 53 Meeting Street, this church was established in 1731 when a dozen Scottish residents left the Independent Church of Charleston.</p>\n<p>The buildings design was inspired by Baltimore Basilica in Baltimore, Maryland. It contains a number of Scottish symbols in stained glass windows.</p>\n<h3>Kahal Kadosh Beth Elohim</h3>\n<p><strong>URL</strong>: <a href=\"https://www.kkbe.org/\">https://www.kkbe.org/</a></p>\n<p>Since 1749, Kahal Kadosh Beth Elohim has been at the spiritual heart of Jewish Charleston.</p>\n<p>This congregation meets in an architecturally significant 1840 Greek Revival synagogue located at 90 Hasell Street, Charleston.</p>\n<h3>Central Mosque of Charleston</h3>\n<p><strong>URL</strong>: <a href=\"https://charleston.com/businesses/central-mosque-of-charleston\">https://charleston.com/businesses/central-mosque-of-charleston</a></p>\n<p>The Central Mosque of Charleston (CMC), located at 1082 King Street, Charleston, is a house of worship for people with ethnic backgrounds of about thirty different nationalities.</p>\n<p>The CMC provides wedding/nikah services to Muslims.</p>\n<p>&nbsp;</p>\n<a id=\"outdoor\" data-hs-anchor=\"true\"></a>\n<h2>Best outdoor wedding venues in Charleston</h2>\n<h3>Magnolia Plantation and Gardens</h3>\n<p><em><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/magnolia-gardens-shutterstock_301691957-forweb600.jpg\" width=\"400\" height=\"263\" loading=\"lazy\" alt=\"Magnolia Plantation and Gardens\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></em></p>\n<p><strong>URL</strong>: <a href=\"https://www.magnoliaplantation.com/\">https://www.magnoliaplantation.com/</a></p>\n<p>From the Audubon Swamp Garden to the historic River Walk, Magnolia has something for everyone.</p>\n<p>In the early 1840s, the Rev. John Grimké Drayton designed this romantic-style garden to showcase his azalea and camellia collections.</p>\n<h3>Middleton Place</h3>\n<p><strong>URL</strong>: <a href=\"https://www.middletonplace.org/\">https://www.middletonplace.org/</a></p>\n<p>A National Historic Landmark and home to the oldest landscaped gardens in America.</p>\n<p>Middleton Place is an enduring, essential part of the American experience, and an unforgettable setting for one-of-a-kind weddings.</p>\n<h3>Legare Waring House and Gardens</h3>\n<p><strong>URL</strong>: <a href=\"https://southcarolinaparks.com/legare-waring-house\">https://southcarolinaparks.com/legare-waring-house</a></p>\n<p>Many memorable weddings have taken place at this historic 1840s home, which resides amid the manicured gardens of Charles Towne Landing, the site of South Carolina's first permanent settlement.</p>\n<h3>Hampton Park</h3>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)</a></p>\n<p>Hampton Park is a public park located in peninsular Charleston, South Carolina.</p>\n<p>The park is bordered by The Citadel to the west, Hampton Park Terrace to the south, North Central to the east, and Wagener Terrace to the north.</p>\n<h3>Waterfront Park</h3>\n<p><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/waterfront-park-sc-shutterstock_1035783793-forweb600.jpg\" width=\"400\" height=\"267\" loading=\"lazy\" alt=\"Waterfront Park\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></p>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)</a></p>\n<p>Waterfront Park is an eight-acre park along approximately one-half mile of the Cooper River in Charleston, South Carolina.</p>\n<p>The park received the 2007 Landmark Award from the American Society of Landscape Architects and the National Trust for Historic Preservation.</p>\n<p>&nbsp;</p>\n<a id=\"restaurant\" data-hs-anchor=\"true\"></a>\n<h2>Best restaurant wedding venues in Charleston</h2>\n<h3>Halls Chophouse</h3>\n<p><strong>URL</strong>: <a href=\"https://www.hallschophouse.com/\">https://www.hallschophouse.com/</a></p>\n<p>The Hall family opened the doors of Halls Chophouse Charleston in 2009, but their pursuit of exceptional hospitality started long before.</p>\n<p>Located at 434 King St, Charleston, SC, this steakhouse is an appropriate venue for an elegant wedding celebration.</p>\n<h3>High Cotton</h3>\n<p><strong>URL</strong>: <a href=\"https://www.highcottoncharleston.com/private-events/\">https://www.highcottoncharleston.com/private-events/</a></p>\n<p>High Cotton restaurant is located at 199 E Bay St, Charleston, SC, and is available to be booked for private events, including weddings.</p>\n<p>Their main dining room is able to accommodate up to 100 seated, 150 reception. They also have a French Quarter room and East Bay room available to be booked.</p>\n<h3>The Ordinary</h3>\n<p><strong>URL</strong>: <a href=\"https://eattheordinary.com/\">https://eattheordinary.com/</a></p>\n<p>The Ordinary is a Southern seafood hall and oyster bar located in an old bank in Charleston.</p>\n<p>This restaurant has some limited availability for groups larger than six guests.</p>\n<h3>Harborside East</h3>\n<p><strong>URL</strong>: <a href=\"http://www.harborsideeast.com/\">http://www.harborsideeast.com/</a></p>\n<p>Harborside East offers a waterfront venue with views of the harbor and downtown Charleston. While technically in Mount Pleasant, it's close to downtown Charleston and provides a restaurant-style wedding experience.</p>\n<h3>Zero</h3>\n<p><strong>URL</strong>: <a href=\"https://zerorestaurantcharleston.com/\">https://zerorestaurantcharleston.com/</a></p>\n<p>Zero George Street Hotel/Restaurant was “not intended” as a wedding venue, but a buyout of the property (all 16 rooms) is possible for large groups/wedding parties.</p>\n<p>&nbsp;</p>\n<a id=\"other\" data-hs-anchor=\"true\"></a>\n<h2>Best other wedding venues in Charleston</h2>\n<h3>William Aiken House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.pphgcharleston.com/venues/william-aiken-house/\">https://www.pphgcharleston.com/venues/william-aiken-house/</a></p>\n<p>Located at 456 King St. in Charleston, SC, this house features sweeping ballrooms and is available to be booked for weddings.</p>\n<p>This venue can accommodate up to 500 guests. Built in 1807.</p>\n<h3>Gadsden House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.gadsdenhouse.com/\">https://www.gadsdenhouse.com/</a></p>\n<p>Located in Downtown Charleston, Gadsden House is a perfect space for wedding ceremonies + receptions and rehearsal dinners.</p>\n<h3>Cedar Room</h3>\n<p><strong>URL</strong>: <a href=\"https://www.thecedarroom.com/\">https://www.thecedarroom.com/</a></p>\n<p>More than 7,500 square feet of event space inside the Cigar Factory overlooking Cooper River. This venue is available to be booked for weddings.</p>\n<h3>Cotton Dock at Boone Hall Plantation</h3>\n<p><strong>URL</strong>: <a href=\"https://www.boonehallplantation.com/weddings/\">https://www.boonehallplantation.com/weddings/</a></p>\n<p>There is no question that The Cotton Dock is the most famous and most popular venue at Boone Hall Plantation.</p>\n<p>The majestic front lawn in front of the mansion, the intimate patio area behind, and the spacious back lawn flanked by tidal marshes all create spectacular possibilities for any wedding.</p>\n<h3>Governor Thomas Bennett House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.governorthomasbennetthouse.com/\">https://www.governorthomasbennetthouse.com/</a></p>\n<p>The Governor Thomas Bennett House offers endless options for your wedding.</p>\n<p>The house is located downtown, just minutes from most major hotels, conference spaces and attractions.</p>\n<p>&nbsp;</p>\n<h2>Get Wedding Event Insurance: Buy Online in the US from Front Row</h2>\n<p>If you’re researching wedding venues in Charleston, chances are good that you’re getting married or know somebody who is. Consider <span style=\"font-weight: bold;\">wedding insurance</span>. Get a quote:</p>\n<ul>\n<li><a href=\"https://events.frontrowinsurance.com/us\" rel=\"noopener\"><span>Wedding Insurance (</span><span>USA</span><span>)</span></a><span style=\"color: black;\">: if you’re holding a private event at one of the above venues, you can buy </span>insurance for the day of your event from Front Row.<br><br></li>\n<li style=\"border: none; margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"https://www.frontrowinsurance.com/short-term-production-insurance-for-filmmakers-us?hsLang=en\"><span>Short Shoot Insurance (USA)</span></a>: if you’re doing any filming at the venue, it would make sense to get short-term production insurance, which covers up to 15 consecutive days.</li>\n</ul>\n<p><em><span style=\"font-weight: normal;\">About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment 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></em></p>\n<h3>Related posts:</h3>\n<ul>\n<li><a href=\"/en-us/wedding-insurance-sc\" rel=\"noopener\">Wedding insurance in South Carolina</a></li>\n<li><a href=\"/staff/grant-patten\" rel=\"noopener\">Author: Grant Patten</a></li>\n<li>Google Web Story: <a href=\"https://stories.frontrowinsurance.com/best-wedding-venues-in-charleston/\" rel=\"noopener\">The best wedding venues in Charleston</a></li>\n</ul>","postEmailContent":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>","postRssContent":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>","rssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/charleston-sky-shutterstock_1577091133-forweb600.jpg","postListSummaryFeaturedImage":"","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/charleston-sky-shutterstock_1577091133-forweb600.jpg","keywords":[],"isInstantEmailEnabled":true,"isSocialPublishingEnabled":false,"blogPostAuthor":{"portalId":61352,"id":9474946913,"created":1557244191140,"updated":1557244191140,"deletedAt":0,"fullName":"Grant Patten","email":"grant@frontrowinsurance.com","userId":null,"username":null,"slug":"grant-patten","language":null,"translatedFromId":null,"name":"Grant Patten","translations":{},"displayName":"Grant Patten","twitterUsername":"","hasSocialProfiles":false,"twitter":"","facebook":"","linkedin":"","bio":"Grant Patten - VP, Marketing","website":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/9751f803d54c2340cccdf5025adc9aa4","cosObjectType":"BLOG_AUTHOR","label":"Grant Patten","cdnPurgeEmbargoTime":null},"postTemplate":"prox_frontrow/templates/blog/blog-post.html","topicIds":[5465221705,30486043401,61505392395],"topicList":[{"id":5465221705,"portalId":61352,"name":"Wedding insurance","slug":"wedding-insurance","description":"","created":1512519076759,"updated":1649857220798,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Wedding insurance","cdnPurgeEmbargoTime":null},{"id":30486043401,"portalId":61352,"name":"Best of","slug":"best-of","description":"","created":1591812219849,"updated":1649863391496,"deletedAt":0,"categoryId":3,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Best of","cdnPurgeEmbargoTime":null},{"id":61505392395,"portalId":61352,"name":"Event insurance US","slug":"event-insurance-us","description":"","created":1638995218137,"updated":1666900066537,"deletedAt":0,"categoryId":3,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Event insurance US","cdnPurgeEmbargoTime":null}],"topicNames":["Wedding insurance","Best of","Event insurance US"],"areCommentsAllowed":true,"isCaptchaRequired":false,"syncedWithBlogRoot":true,"compositionId":0,"publicAccessRulesEnabled":false,"publicAccessRules":[],"header":null,"password":null,"layoutSections":{},"pastMabExperimentIds":[],"ab":false,"mab":false,"featuredImageAltText":"Charleston, South Carolina skyline","publishDateLocalTime":1695308911000,"enableLayoutStylesheets":null,"tweet":null,"tweetAt":null,"campaignName":null,"campaignUtm":null,"pageTitle":"The Best Wedding Venues in Charleston, South Carolina","metaKeywords":null,"metaDescription":"Charleston, South Carolina has no shortage of impressive venues that are appropriate for hosting weddings. We’ll list some of them in this article.","tweetImmediately":false,"publishImmediately":true,"securityState":"NONE","scheduledUpdateDate":0,"placementGuids":[],"propertyForDynamicPageTitle":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageCanonicalUrl":null,"previewImageSrc":null,"legacyBlogTabid":null,"legacyPostGuid":null,"performableVariationLetter":null,"styleOverrideId":null,"hasUserChanges":true,"css":{},"cssText":"","createdTime":1695308152654,"unpublishedAt":0,"archivedInDashboard":false,"authorUsername":null,"archivedAt":0,"publishedById":7915797,"allowedSlugConflict":false,"abVariation":false,"abVariationAutomated":false,"mabMaster":false,"mabVariant":false,"linkRelCanonicalUrl":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/best-wedding-venues-in-charleston","pageRedirected":false,"pageExpiryEnabled":null,"pageExpiryDate":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"translatedContent":{},"deletedBy":null,"stateWhenDeleted":null,"clonedFrom":null,"stagedFrom":null,"personas":[],"composeBody":null,"featuredImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/charleston-sky-shutterstock_1577091133-forweb600.jpg","featuredImageWidth":600,"featuredImageHeight":323,"publishTimezoneOffset":null,"themeSettingsValues":null,"isInstanceLayoutPage":false,"headHtml":null,"footerHtml":null,"attachedStylesheets":[],"enableDomainStylesheets":null,"includeDefaultCustomCss":null,"title":"The Best Wedding Venues in Charleston, South Carolina","publishedAt":1695320727657,"url":"https://www.frontrowinsurance.com/articles/best-wedding-venues-in-charleston","author":null,"cdnPurgeEmbargoTime":null,"label":"The Best Wedding Venues in Charleston, South Carolina","currentState":"PUBLISHED","lastEditSessionId":null,"lastEditUpdateId":null,"contentTypeCategory":3,"analyticsPageType":"blog-post","currentlyPublished":true,"contentTypeCategoryId":3,"category":3,"isPublished":true,"topics":[5465221705,30486043401,61505392395],"meta":{"public_access_rules_enabled":false,"public_access_rules":[],"html_title":"The Best Wedding Venues in Charleston, South Carolina","post_summary":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>\n","post_body":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>\n<!--more-->\n<p>Charleston, South Carolina has no shortage of impressive venues that are appropriate for hosting weddings. We’ll list some of them in this article.</p>\n<p>We’ll discuss, in no particular order:</p>\n<ul>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#church\" rel=\"noopener\">Best church/synagogue/mosque wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#outdoor\" rel=\"noopener\">Best outdoor wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#restaurant\" rel=\"noopener\">Best restaurant wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#other\" rel=\"noopener\">Best other wedding venues</a></li>\n<li><a href=\"https://events.frontrowinsurance.com/us\"><span>Best wedding insurance provider</span></a><br><em><span style=\"background-color: yellow;\">Get $15 off your wedding insurance policy by entering this code in the \"Coupon code\" box on the portal: <strong>SCWedding$15off</strong></span></em></li>\n</ul>\n<p>&nbsp;</p>\n<a id=\"church\" data-hs-anchor=\"true\"></a>\n<h2>Best church/synagogue/mosque wedding venues in Charleston</h2>\n<h3>St. Michael's Episcopal Church</h3>\n<p><strong>URL</strong>: <a href=\"https://www.stmichaelschurch.net/\">https://www.stmichaelschurch.net/</a></p>\n<p>Located at 71 Broad Street, this church is the oldest surviving religious structure in Charleston, South Carolina, built in the 1750s.</p>\n<p>This church is listed on the National Register of Historic Places and is a National Historic Landmark.</p>\n<h3>Cathedral of Saint John the Baptist</h3>\n<p><strong>URL</strong>: <a href=\"https://charlestoncathedral.com/\">https://charlestoncathedral.com/</a></p>\n<p>Located at 120 Broad Street, this church is the mother church of the Roman Catholic Diocese of Charleston, South Carolina.</p>\n<p>The first brownstone cathedral was built in 1854 and named the Cathedral of Saint John and Saint Finbar.</p>\n<h3>First Scots Presbyterian Church</h3>\n<p><strong>URL</strong>: <a href=\"https://first-scots.org/\">https://first-scots.org/</a></p>\n<p>Located at 53 Meeting Street, this church was established in 1731 when a dozen Scottish residents left the Independent Church of Charleston.</p>\n<p>The buildings design was inspired by Baltimore Basilica in Baltimore, Maryland. It contains a number of Scottish symbols in stained glass windows.</p>\n<h3>Kahal Kadosh Beth Elohim</h3>\n<p><strong>URL</strong>: <a href=\"https://www.kkbe.org/\">https://www.kkbe.org/</a></p>\n<p>Since 1749, Kahal Kadosh Beth Elohim has been at the spiritual heart of Jewish Charleston.</p>\n<p>This congregation meets in an architecturally significant 1840 Greek Revival synagogue located at 90 Hasell Street, Charleston.</p>\n<h3>Central Mosque of Charleston</h3>\n<p><strong>URL</strong>: <a href=\"https://charleston.com/businesses/central-mosque-of-charleston\">https://charleston.com/businesses/central-mosque-of-charleston</a></p>\n<p>The Central Mosque of Charleston (CMC), located at 1082 King Street, Charleston, is a house of worship for people with ethnic backgrounds of about thirty different nationalities.</p>\n<p>The CMC provides wedding/nikah services to Muslims.</p>\n<p>&nbsp;</p>\n<a id=\"outdoor\" data-hs-anchor=\"true\"></a>\n<h2>Best outdoor wedding venues in Charleston</h2>\n<h3>Magnolia Plantation and Gardens</h3>\n<p><em><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/magnolia-gardens-shutterstock_301691957-forweb600.jpg\" width=\"400\" height=\"263\" loading=\"lazy\" alt=\"Magnolia Plantation and Gardens\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></em></p>\n<p><strong>URL</strong>: <a href=\"https://www.magnoliaplantation.com/\">https://www.magnoliaplantation.com/</a></p>\n<p>From the Audubon Swamp Garden to the historic River Walk, Magnolia has something for everyone.</p>\n<p>In the early 1840s, the Rev. John Grimké Drayton designed this romantic-style garden to showcase his azalea and camellia collections.</p>\n<h3>Middleton Place</h3>\n<p><strong>URL</strong>: <a href=\"https://www.middletonplace.org/\">https://www.middletonplace.org/</a></p>\n<p>A National Historic Landmark and home to the oldest landscaped gardens in America.</p>\n<p>Middleton Place is an enduring, essential part of the American experience, and an unforgettable setting for one-of-a-kind weddings.</p>\n<h3>Legare Waring House and Gardens</h3>\n<p><strong>URL</strong>: <a href=\"https://southcarolinaparks.com/legare-waring-house\">https://southcarolinaparks.com/legare-waring-house</a></p>\n<p>Many memorable weddings have taken place at this historic 1840s home, which resides amid the manicured gardens of Charles Towne Landing, the site of South Carolina's first permanent settlement.</p>\n<h3>Hampton Park</h3>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)</a></p>\n<p>Hampton Park is a public park located in peninsular Charleston, South Carolina.</p>\n<p>The park is bordered by The Citadel to the west, Hampton Park Terrace to the south, North Central to the east, and Wagener Terrace to the north.</p>\n<h3>Waterfront Park</h3>\n<p><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/waterfront-park-sc-shutterstock_1035783793-forweb600.jpg\" width=\"400\" height=\"267\" loading=\"lazy\" alt=\"Waterfront Park\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></p>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)</a></p>\n<p>Waterfront Park is an eight-acre park along approximately one-half mile of the Cooper River in Charleston, South Carolina.</p>\n<p>The park received the 2007 Landmark Award from the American Society of Landscape Architects and the National Trust for Historic Preservation.</p>\n<p>&nbsp;</p>\n<a id=\"restaurant\" data-hs-anchor=\"true\"></a>\n<h2>Best restaurant wedding venues in Charleston</h2>\n<h3>Halls Chophouse</h3>\n<p><strong>URL</strong>: <a href=\"https://www.hallschophouse.com/\">https://www.hallschophouse.com/</a></p>\n<p>The Hall family opened the doors of Halls Chophouse Charleston in 2009, but their pursuit of exceptional hospitality started long before.</p>\n<p>Located at 434 King St, Charleston, SC, this steakhouse is an appropriate venue for an elegant wedding celebration.</p>\n<h3>High Cotton</h3>\n<p><strong>URL</strong>: <a href=\"https://www.highcottoncharleston.com/private-events/\">https://www.highcottoncharleston.com/private-events/</a></p>\n<p>High Cotton restaurant is located at 199 E Bay St, Charleston, SC, and is available to be booked for private events, including weddings.</p>\n<p>Their main dining room is able to accommodate up to 100 seated, 150 reception. They also have a French Quarter room and East Bay room available to be booked.</p>\n<h3>The Ordinary</h3>\n<p><strong>URL</strong>: <a href=\"https://eattheordinary.com/\">https://eattheordinary.com/</a></p>\n<p>The Ordinary is a Southern seafood hall and oyster bar located in an old bank in Charleston.</p>\n<p>This restaurant has some limited availability for groups larger than six guests.</p>\n<h3>Harborside East</h3>\n<p><strong>URL</strong>: <a href=\"http://www.harborsideeast.com/\">http://www.harborsideeast.com/</a></p>\n<p>Harborside East offers a waterfront venue with views of the harbor and downtown Charleston. While technically in Mount Pleasant, it's close to downtown Charleston and provides a restaurant-style wedding experience.</p>\n<h3>Zero</h3>\n<p><strong>URL</strong>: <a href=\"https://zerorestaurantcharleston.com/\">https://zerorestaurantcharleston.com/</a></p>\n<p>Zero George Street Hotel/Restaurant was “not intended” as a wedding venue, but a buyout of the property (all 16 rooms) is possible for large groups/wedding parties.</p>\n<p>&nbsp;</p>\n<a id=\"other\" data-hs-anchor=\"true\"></a>\n<h2>Best other wedding venues in Charleston</h2>\n<h3>William Aiken House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.pphgcharleston.com/venues/william-aiken-house/\">https://www.pphgcharleston.com/venues/william-aiken-house/</a></p>\n<p>Located at 456 King St. in Charleston, SC, this house features sweeping ballrooms and is available to be booked for weddings.</p>\n<p>This venue can accommodate up to 500 guests. Built in 1807.</p>\n<h3>Gadsden House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.gadsdenhouse.com/\">https://www.gadsdenhouse.com/</a></p>\n<p>Located in Downtown Charleston, Gadsden House is a perfect space for wedding ceremonies + receptions and rehearsal dinners.</p>\n<h3>Cedar Room</h3>\n<p><strong>URL</strong>: <a href=\"https://www.thecedarroom.com/\">https://www.thecedarroom.com/</a></p>\n<p>More than 7,500 square feet of event space inside the Cigar Factory overlooking Cooper River. This venue is available to be booked for weddings.</p>\n<h3>Cotton Dock at Boone Hall Plantation</h3>\n<p><strong>URL</strong>: <a href=\"https://www.boonehallplantation.com/weddings/\">https://www.boonehallplantation.com/weddings/</a></p>\n<p>There is no question that The Cotton Dock is the most famous and most popular venue at Boone Hall Plantation.</p>\n<p>The majestic front lawn in front of the mansion, the intimate patio area behind, and the spacious back lawn flanked by tidal marshes all create spectacular possibilities for any wedding.</p>\n<h3>Governor Thomas Bennett House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.governorthomasbennetthouse.com/\">https://www.governorthomasbennetthouse.com/</a></p>\n<p>The Governor Thomas Bennett House offers endless options for your wedding.</p>\n<p>The house is located downtown, just minutes from most major hotels, conference spaces and attractions.</p>\n<p>&nbsp;</p>\n<h2>Get Wedding Event Insurance: Buy Online in the US from Front Row</h2>\n<p>If you’re researching wedding venues in Charleston, chances are good that you’re getting married or know somebody who is. Consider <span style=\"font-weight: bold;\">wedding insurance</span>. Get a quote:</p>\n<ul>\n<li><a href=\"https://events.frontrowinsurance.com/us\" rel=\"noopener\"><span>Wedding Insurance (</span><span>USA</span><span>)</span></a><span style=\"color: black;\">: if you’re holding a private event at one of the above venues, you can buy </span>insurance for the day of your event from Front Row.<br><br></li>\n<li style=\"border: none; margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"https://www.frontrowinsurance.com/short-term-production-insurance-for-filmmakers-us?hsLang=en\"><span>Short Shoot Insurance (USA)</span></a>: if you’re doing any filming at the venue, it would make sense to get short-term production insurance, which covers up to 15 consecutive days.</li>\n</ul>\n<p><em><span style=\"font-weight: normal;\">About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment 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></em></p>\n<h3>Related posts:</h3>\n<ul>\n<li><a href=\"/en-us/wedding-insurance-sc\" rel=\"noopener\">Wedding insurance in South Carolina</a></li>\n<li><a href=\"/staff/grant-patten\" rel=\"noopener\">Author: Grant Patten</a></li>\n<li>Google Web Story: <a href=\"https://stories.frontrowinsurance.com/best-wedding-venues-in-charleston/\" rel=\"noopener\">The best wedding venues in Charleston</a></li>\n</ul>","rss_summary":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>\n","rss_body":"<p style=\"text-align: right; font-size: 14px;\"><em>Images: Shutterstock</em></p>\n<!--more-->\n<p>Charleston, South Carolina has no shortage of impressive venues that are appropriate for hosting weddings. We’ll list some of them in this article.</p>\n<p>We’ll discuss, in no particular order:</p>\n<ul>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#church\" rel=\"noopener\">Best church/synagogue/mosque wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#outdoor\" rel=\"noopener\">Best outdoor wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#restaurant\" rel=\"noopener\">Best restaurant wedding venues</a></li>\n<li style=\"margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"#other\" rel=\"noopener\">Best other wedding venues</a></li>\n<li><a href=\"https://events.frontrowinsurance.com/us\"><span>Best wedding insurance provider</span></a><br><em><span style=\"background-color: yellow;\">Get $15 off your wedding insurance policy by entering this code in the \"Coupon code\" box on the portal: <strong>SCWedding$15off</strong></span></em></li>\n</ul>\n<p>&nbsp;</p>\n<a id=\"church\" data-hs-anchor=\"true\"></a>\n<h2>Best church/synagogue/mosque wedding venues in Charleston</h2>\n<h3>St. Michael's Episcopal Church</h3>\n<p><strong>URL</strong>: <a href=\"https://www.stmichaelschurch.net/\">https://www.stmichaelschurch.net/</a></p>\n<p>Located at 71 Broad Street, this church is the oldest surviving religious structure in Charleston, South Carolina, built in the 1750s.</p>\n<p>This church is listed on the National Register of Historic Places and is a National Historic Landmark.</p>\n<h3>Cathedral of Saint John the Baptist</h3>\n<p><strong>URL</strong>: <a href=\"https://charlestoncathedral.com/\">https://charlestoncathedral.com/</a></p>\n<p>Located at 120 Broad Street, this church is the mother church of the Roman Catholic Diocese of Charleston, South Carolina.</p>\n<p>The first brownstone cathedral was built in 1854 and named the Cathedral of Saint John and Saint Finbar.</p>\n<h3>First Scots Presbyterian Church</h3>\n<p><strong>URL</strong>: <a href=\"https://first-scots.org/\">https://first-scots.org/</a></p>\n<p>Located at 53 Meeting Street, this church was established in 1731 when a dozen Scottish residents left the Independent Church of Charleston.</p>\n<p>The buildings design was inspired by Baltimore Basilica in Baltimore, Maryland. It contains a number of Scottish symbols in stained glass windows.</p>\n<h3>Kahal Kadosh Beth Elohim</h3>\n<p><strong>URL</strong>: <a href=\"https://www.kkbe.org/\">https://www.kkbe.org/</a></p>\n<p>Since 1749, Kahal Kadosh Beth Elohim has been at the spiritual heart of Jewish Charleston.</p>\n<p>This congregation meets in an architecturally significant 1840 Greek Revival synagogue located at 90 Hasell Street, Charleston.</p>\n<h3>Central Mosque of Charleston</h3>\n<p><strong>URL</strong>: <a href=\"https://charleston.com/businesses/central-mosque-of-charleston\">https://charleston.com/businesses/central-mosque-of-charleston</a></p>\n<p>The Central Mosque of Charleston (CMC), located at 1082 King Street, Charleston, is a house of worship for people with ethnic backgrounds of about thirty different nationalities.</p>\n<p>The CMC provides wedding/nikah services to Muslims.</p>\n<p>&nbsp;</p>\n<a id=\"outdoor\" data-hs-anchor=\"true\"></a>\n<h2>Best outdoor wedding venues in Charleston</h2>\n<h3>Magnolia Plantation and Gardens</h3>\n<p><em><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/magnolia-gardens-shutterstock_301691957-forweb600.jpg\" width=\"400\" height=\"263\" loading=\"lazy\" alt=\"Magnolia Plantation and Gardens\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></em></p>\n<p><strong>URL</strong>: <a href=\"https://www.magnoliaplantation.com/\">https://www.magnoliaplantation.com/</a></p>\n<p>From the Audubon Swamp Garden to the historic River Walk, Magnolia has something for everyone.</p>\n<p>In the early 1840s, the Rev. John Grimké Drayton designed this romantic-style garden to showcase his azalea and camellia collections.</p>\n<h3>Middleton Place</h3>\n<p><strong>URL</strong>: <a href=\"https://www.middletonplace.org/\">https://www.middletonplace.org/</a></p>\n<p>A National Historic Landmark and home to the oldest landscaped gardens in America.</p>\n<p>Middleton Place is an enduring, essential part of the American experience, and an unforgettable setting for one-of-a-kind weddings.</p>\n<h3>Legare Waring House and Gardens</h3>\n<p><strong>URL</strong>: <a href=\"https://southcarolinaparks.com/legare-waring-house\">https://southcarolinaparks.com/legare-waring-house</a></p>\n<p>Many memorable weddings have taken place at this historic 1840s home, which resides amid the manicured gardens of Charles Towne Landing, the site of South Carolina's first permanent settlement.</p>\n<h3>Hampton Park</h3>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Hampton_Park_(Charleston)</a></p>\n<p>Hampton Park is a public park located in peninsular Charleston, South Carolina.</p>\n<p>The park is bordered by The Citadel to the west, Hampton Park Terrace to the south, North Central to the east, and Wagener Terrace to the north.</p>\n<h3>Waterfront Park</h3>\n<p><img src=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/waterfront-park-sc-shutterstock_1035783793-forweb600.jpg\" width=\"400\" height=\"267\" loading=\"lazy\" alt=\"Waterfront Park\" style=\"height: auto; max-width: 100%; width: 400px; margin-left: auto; margin-right: auto; display: block;\"></p>\n<p><strong>URL</strong>: <a href=\"https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Waterfront_Park_(Charleston)</a></p>\n<p>Waterfront Park is an eight-acre park along approximately one-half mile of the Cooper River in Charleston, South Carolina.</p>\n<p>The park received the 2007 Landmark Award from the American Society of Landscape Architects and the National Trust for Historic Preservation.</p>\n<p>&nbsp;</p>\n<a id=\"restaurant\" data-hs-anchor=\"true\"></a>\n<h2>Best restaurant wedding venues in Charleston</h2>\n<h3>Halls Chophouse</h3>\n<p><strong>URL</strong>: <a href=\"https://www.hallschophouse.com/\">https://www.hallschophouse.com/</a></p>\n<p>The Hall family opened the doors of Halls Chophouse Charleston in 2009, but their pursuit of exceptional hospitality started long before.</p>\n<p>Located at 434 King St, Charleston, SC, this steakhouse is an appropriate venue for an elegant wedding celebration.</p>\n<h3>High Cotton</h3>\n<p><strong>URL</strong>: <a href=\"https://www.highcottoncharleston.com/private-events/\">https://www.highcottoncharleston.com/private-events/</a></p>\n<p>High Cotton restaurant is located at 199 E Bay St, Charleston, SC, and is available to be booked for private events, including weddings.</p>\n<p>Their main dining room is able to accommodate up to 100 seated, 150 reception. They also have a French Quarter room and East Bay room available to be booked.</p>\n<h3>The Ordinary</h3>\n<p><strong>URL</strong>: <a href=\"https://eattheordinary.com/\">https://eattheordinary.com/</a></p>\n<p>The Ordinary is a Southern seafood hall and oyster bar located in an old bank in Charleston.</p>\n<p>This restaurant has some limited availability for groups larger than six guests.</p>\n<h3>Harborside East</h3>\n<p><strong>URL</strong>: <a href=\"http://www.harborsideeast.com/\">http://www.harborsideeast.com/</a></p>\n<p>Harborside East offers a waterfront venue with views of the harbor and downtown Charleston. While technically in Mount Pleasant, it's close to downtown Charleston and provides a restaurant-style wedding experience.</p>\n<h3>Zero</h3>\n<p><strong>URL</strong>: <a href=\"https://zerorestaurantcharleston.com/\">https://zerorestaurantcharleston.com/</a></p>\n<p>Zero George Street Hotel/Restaurant was “not intended” as a wedding venue, but a buyout of the property (all 16 rooms) is possible for large groups/wedding parties.</p>\n<p>&nbsp;</p>\n<a id=\"other\" data-hs-anchor=\"true\"></a>\n<h2>Best other wedding venues in Charleston</h2>\n<h3>William Aiken House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.pphgcharleston.com/venues/william-aiken-house/\">https://www.pphgcharleston.com/venues/william-aiken-house/</a></p>\n<p>Located at 456 King St. in Charleston, SC, this house features sweeping ballrooms and is available to be booked for weddings.</p>\n<p>This venue can accommodate up to 500 guests. Built in 1807.</p>\n<h3>Gadsden House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.gadsdenhouse.com/\">https://www.gadsdenhouse.com/</a></p>\n<p>Located in Downtown Charleston, Gadsden House is a perfect space for wedding ceremonies + receptions and rehearsal dinners.</p>\n<h3>Cedar Room</h3>\n<p><strong>URL</strong>: <a href=\"https://www.thecedarroom.com/\">https://www.thecedarroom.com/</a></p>\n<p>More than 7,500 square feet of event space inside the Cigar Factory overlooking Cooper River. This venue is available to be booked for weddings.</p>\n<h3>Cotton Dock at Boone Hall Plantation</h3>\n<p><strong>URL</strong>: <a href=\"https://www.boonehallplantation.com/weddings/\">https://www.boonehallplantation.com/weddings/</a></p>\n<p>There is no question that The Cotton Dock is the most famous and most popular venue at Boone Hall Plantation.</p>\n<p>The majestic front lawn in front of the mansion, the intimate patio area behind, and the spacious back lawn flanked by tidal marshes all create spectacular possibilities for any wedding.</p>\n<h3>Governor Thomas Bennett House</h3>\n<p><strong>URL</strong>: <a href=\"https://www.governorthomasbennetthouse.com/\">https://www.governorthomasbennetthouse.com/</a></p>\n<p>The Governor Thomas Bennett House offers endless options for your wedding.</p>\n<p>The house is located downtown, just minutes from most major hotels, conference spaces and attractions.</p>\n<p>&nbsp;</p>\n<h2>Get Wedding Event Insurance: Buy Online in the US from Front Row</h2>\n<p>If you’re researching wedding venues in Charleston, chances are good that you’re getting married or know somebody who is. Consider <span style=\"font-weight: bold;\">wedding insurance</span>. Get a quote:</p>\n<ul>\n<li><a href=\"https://events.frontrowinsurance.com/us\" rel=\"noopener\"><span>Wedding Insurance (</span><span>USA</span><span>)</span></a><span style=\"color: black;\">: if you’re holding a private event at one of the above venues, you can buy </span>insurance for the day of your event from Front Row.<br><br></li>\n<li style=\"border: none; margin-top: 0cm; margin-right: 0cm; margin-bottom: 0cm;\"><a href=\"https://www.frontrowinsurance.com/short-term-production-insurance-for-filmmakers-us?hsLang=en\"><span>Short Shoot Insurance (USA)</span></a>: if you’re doing any filming at the venue, it would make sense to get short-term production insurance, which covers up to 15 consecutive days.</li>\n</ul>\n<p><em><span style=\"font-weight: normal;\">About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment 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></em></p>\n<h3>Related posts:</h3>\n<ul>\n<li><a href=\"/en-us/wedding-insurance-sc\" rel=\"noopener\">Wedding insurance in South Carolina</a></li>\n<li><a href=\"/staff/grant-patten\" rel=\"noopener\">Author: Grant Patten</a></li>\n<li>Google Web Story: <a href=\"https://stories.frontrowinsurance.com/best-wedding-venues-in-charleston/\" rel=\"noopener\">The best wedding venues in Charleston</a></li>\n</ul>","use_featured_image":true,"tag_ids":[5465221705,30486043401,61505392395],"topic_ids":[5465221705,30486043401,61505392395],"enable_google_amp_output_override":false,"generate_json_ld_enabled":true,"blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE","blog_publish_instant_email_task_uid":null,"blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":null,"keywords":[],"composition_id":0,"header":null,"password":null,"published_at":1695320727657,"layout_sections":{},"past_mab_experiment_ids":[],"meta_description":"Charleston, South Carolina has no shortage of impressive venues that are appropriate for hosting weddings. We’ll list some of them in this article.","meta_keywords":null,"featured_image_width":600,"featured_image_height":323,"publish_timezone_offset":null,"theme_settings_values":null,"featured_image_alt_text":"Charleston, South Carolina 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Stern","cdnPurgeEmbargoTime":null},"previousPostSlug":"articles/best-wedding-venues-in-charleston","previousPostName":"The Best Wedding Venues in Charleston, South Carolina","previousPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Best%20venues%20weddings%20Charleston%20SC/charleston-sky-shutterstock_1577091133-forweb600.jpg","previousPostFeaturedImageAltText":"Charleston, South Carolina skyline","nextPostSlug":"articles/articles/bid/111086/call-sheets-help-reduce-film-production-insurance-costs","nextPostName":"Call Sheets Help Reduce Film Insurance Costs","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/call-sheet-forweb.jpg","nextPostFeaturedImageAltText":"Call Sheets Help Reduce Film Production Insurance Costs","afterPostBody":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":true,"htmlTitle":"Producers: Buy an E&O policy before going into production or wait?","audienceAccess":"PUBLIC","postSummary":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n","postBody":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<!--more--> \n<p><strong><br>Dave Stern</strong>: I think as an entertainment lawyer, we would always rather a <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s errors &amp; omissions (E&amp;O) policy</a> be obtained as early as possible, certainly before production would be ideal. In a lot of cases, for certain budget levels and depending on which parties are involved, certain broadcasters or distributors might require that policy in place.</p> \n<p>There are obviously pros to this approach; not just because it is mandated by those third parties but it forces the production to get everything in order legally as quickly as possible: chain of title, cast and crew agreements, releases, any and all forms of rights and permissions that they need to go into production. The caveat to that is that some things just might not be obtained before or in the first couple days of production. <a href=\"https://www.frontrowinsurance.com/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\">Music rights</a>, for example, are typically obtained after production. So, there will be some contracts that may need to be sorted out afterwards. But once E&amp;O is wrapped up for the production, that is a huge hurdle that the production has jumped over and they can focus on other matters.</p> \n<p>On a practical note, many independent production companies under certain budget levels may not have those third parties attached to the project before they go to camera. Maybe they have one or two.</p> \n<p>So, they may not be mandated to get the E&amp;O policy before it goes to principal photography. They might be obtaining E&amp;O afterwards; maybe during <a href=\"https://www.frontrowinsurance.com/en/post-production-studios\">post-production</a> or even later on, once they get distribution or other interest from a sales agent or distributor.</p> \n<p>The one pro to this approach is that when you <a href=\"https://www.frontrowinsurance.com/articles/answer-all-questions-on-eo-application\">complete the application</a>, you have a good understanding of all parties involved at that point. Chances are that you have music rights obtained, you have any and all third parties and necessary releases, and if for some reason you didn’t get a location or individual to sign a release during production, you might be able to get it a couple weeks later.</p> \n<p>The con to this approach is it all comes down to delivery: if you only obtain an E&amp;O policy to finalize a deal with a distributor, that’s part of the delivery process and you might go through that part and realize the film is already made, the final cut is done, and if your clearance lawyer spots an issue, the option of <a href=\"https://www.frontrowinsurance.com/articles/how-does-a-clearance-lawyer-determine-what-material-has-to-be-removed\">removing it</a> might already be too late.</p> \n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">The distributor</a> thinks they’re getting the final cut and there might be a situation with the project that could hold up delivery or the deal generally. This is the negative of waiting late to obtain E&amp;O insurance, especially if there are brands, logos, and/or permissions that have not yet been cleared.</p> \n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p> \n<p>&nbsp;</p> \n<h3>Related:</h3> \n<ul> \n <li><a href=\"/articles/why-are-certain-questions-asked-on-an-eo-application\" rel=\"noopener\">Why are certain questions asked on an E&amp;O application?</a></li> \n <li><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\"noopener\">E&amp;O Insurance for Film and TV: The Value of a Clearance Lawyer</a></li> \n <li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li> \n <li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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>","rssSummary":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n","rssBody":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<!--more--> \n<p><strong><br>Dave Stern</strong>: I think as an entertainment lawyer, we would always rather a <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s errors &amp; omissions (E&amp;O) policy</a> be obtained as early as possible, certainly before production would be ideal. In a lot of cases, for certain budget levels and depending on which parties are involved, certain broadcasters or distributors might require that policy in place.</p> \n<p>There are obviously pros to this approach; not just because it is mandated by those third parties but it forces the production to get everything in order legally as quickly as possible: chain of title, cast and crew agreements, releases, any and all forms of rights and permissions that they need to go into production. The caveat to that is that some things just might not be obtained before or in the first couple days of production. <a href=\"https://www.frontrowinsurance.com/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\">Music rights</a>, for example, are typically obtained after production. So, there will be some contracts that may need to be sorted out afterwards. But once E&amp;O is wrapped up for the production, that is a huge hurdle that the production has jumped over and they can focus on other matters.</p> \n<p>On a practical note, many independent production companies under certain budget levels may not have those third parties attached to the project before they go to camera. Maybe they have one or two.</p> \n<p>So, they may not be mandated to get the E&amp;O policy before it goes to principal photography. They might be obtaining E&amp;O afterwards; maybe during <a href=\"https://www.frontrowinsurance.com/en/post-production-studios\">post-production</a> or even later on, once they get distribution or other interest from a sales agent or distributor.</p> \n<p>The one pro to this approach is that when you <a href=\"https://www.frontrowinsurance.com/articles/answer-all-questions-on-eo-application\">complete the application</a>, you have a good understanding of all parties involved at that point. Chances are that you have music rights obtained, you have any and all third parties and necessary releases, and if for some reason you didn’t get a location or individual to sign a release during production, you might be able to get it a couple weeks later.</p> \n<p>The con to this approach is it all comes down to delivery: if you only obtain an E&amp;O policy to finalize a deal with a distributor, that’s part of the delivery process and you might go through that part and realize the film is already made, the final cut is done, and if your clearance lawyer spots an issue, the option of <a href=\"https://www.frontrowinsurance.com/articles/how-does-a-clearance-lawyer-determine-what-material-has-to-be-removed\">removing it</a> might already be too late.</p> \n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">The distributor</a> thinks they’re getting the final cut and there might be a situation with the project that could hold up delivery or the deal generally. This is the negative of waiting late to obtain E&amp;O insurance, especially if there are brands, logos, and/or permissions that have not yet been cleared.</p> \n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p> \n<p>&nbsp;</p> \n<h3>Related:</h3> \n<ul> \n <li><a href=\"/articles/why-are-certain-questions-asked-on-an-eo-application\" rel=\"noopener\">Why are certain questions asked on an E&amp;O application?</a></li> \n <li><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\"noopener\">E&amp;O Insurance for Film and TV: The Value of a Clearance Lawyer</a></li> \n <li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li> \n <li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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>","postSummaryRss":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe> \n </div> \n</div>","postBodyRss":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<!--more--> \n<p><strong><br>Dave Stern</strong>: I think as an entertainment lawyer, we would always rather a <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s errors &amp; omissions (E&amp;O) policy</a> be obtained as early as possible, certainly before production would be ideal. In a lot of cases, for certain budget levels and depending on which parties are involved, certain broadcasters or distributors might require that policy in place.</p> \n<p>There are obviously pros to this approach; not just because it is mandated by those third parties but it forces the production to get everything in order legally as quickly as possible: chain of title, cast and crew agreements, releases, any and all forms of rights and permissions that they need to go into production. The caveat to that is that some things just might not be obtained before or in the first couple days of production. <a href=\"https://www.frontrowinsurance.com/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\">Music rights</a>, for example, are typically obtained after production. So, there will be some contracts that may need to be sorted out afterwards. But once E&amp;O is wrapped up for the production, that is a huge hurdle that the production has jumped over and they can focus on other matters.</p> \n<p>On a practical note, many independent production companies under certain budget levels may not have those third parties attached to the project before they go to camera. Maybe they have one or two.</p> \n<p>So, they may not be mandated to get the E&amp;O policy before it goes to principal photography. They might be obtaining E&amp;O afterwards; maybe during <a href=\"https://www.frontrowinsurance.com/en/post-production-studios\">post-production</a> or even later on, once they get distribution or other interest from a sales agent or distributor.</p> \n<p>The one pro to this approach is that when you <a href=\"https://www.frontrowinsurance.com/articles/answer-all-questions-on-eo-application\">complete the application</a>, you have a good understanding of all parties involved at that point. Chances are that you have music rights obtained, you have any and all third parties and necessary releases, and if for some reason you didn’t get a location or individual to sign a release during production, you might be able to get it a couple weeks later.</p> \n<p>The con to this approach is it all comes down to delivery: if you only obtain an E&amp;O policy to finalize a deal with a distributor, that’s part of the delivery process and you might go through that part and realize the film is already made, the final cut is done, and if your clearance lawyer spots an issue, the option of <a href=\"https://www.frontrowinsurance.com/articles/how-does-a-clearance-lawyer-determine-what-material-has-to-be-removed\">removing it</a> might already be too late.</p> \n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">The distributor</a> thinks they’re getting the final cut and there might be a situation with the project that could hold up delivery or the deal generally. This is the negative of waiting late to obtain E&amp;O insurance, especially if there are brands, logos, and/or permissions that have not yet been cleared.</p> \n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p> \n<p>&nbsp;</p> \n<h3>Related:</h3> \n<ul> \n <li><a href=\"/articles/why-are-certain-questions-asked-on-an-eo-application\" rel=\"noopener\">Why are certain questions asked on an E&amp;O application?</a></li> \n <li><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\"noopener\">E&amp;O Insurance for Film and TV: The Value of a Clearance Lawyer</a></li> \n <li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li> \n <li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Dave%20Stern/e&o-shutterstock_1746536957-forweb600.jpg","tagIds":[949708904,949708924,949708959,3033106217],"tagNames":["Film production","Film producer's E&O insurance","Film insurance claims","Trademark"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1694549455144},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<!--more--> \n<p><strong><br>Dave Stern</strong>: I think as an entertainment lawyer, we would always rather a <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s errors &amp; omissions (E&amp;O) policy</a> be obtained as early as possible, certainly before production would be ideal. In a lot of cases, for certain budget levels and depending on which parties are involved, certain broadcasters or distributors might require that policy in place.</p> \n<p>There are obviously pros to this approach; not just because it is mandated by those third parties but it forces the production to get everything in order legally as quickly as possible: chain of title, cast and crew agreements, releases, any and all forms of rights and permissions that they need to go into production. The caveat to that is that some things just might not be obtained before or in the first couple days of production. <a href=\"https://www.frontrowinsurance.com/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\">Music rights</a>, for example, are typically obtained after production. So, there will be some contracts that may need to be sorted out afterwards. But once E&amp;O is wrapped up for the production, that is a huge hurdle that the production has jumped over and they can focus on other matters.</p> \n<p>On a practical note, many independent production companies under certain budget levels may not have those third parties attached to the project before they go to camera. Maybe they have one or two.</p> \n<p>So, they may not be mandated to get the E&amp;O policy before it goes to principal photography. They might be obtaining E&amp;O afterwards; maybe during <a href=\"https://www.frontrowinsurance.com/en/post-production-studios\">post-production</a> or even later on, once they get distribution or other interest from a sales agent or distributor.</p> \n<p>The one pro to this approach is that when you <a href=\"https://www.frontrowinsurance.com/articles/answer-all-questions-on-eo-application\">complete the application</a>, you have a good understanding of all parties involved at that point. Chances are that you have music rights obtained, you have any and all third parties and necessary releases, and if for some reason you didn’t get a location or individual to sign a release during production, you might be able to get it a couple weeks later.</p> \n<p>The con to this approach is it all comes down to delivery: if you only obtain an E&amp;O policy to finalize a deal with a distributor, that’s part of the delivery process and you might go through that part and realize the film is already made, the final cut is done, and if your clearance lawyer spots an issue, the option of <a href=\"https://www.frontrowinsurance.com/articles/how-does-a-clearance-lawyer-determine-what-material-has-to-be-removed\">removing it</a> might already be too late.</p> \n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">The distributor</a> thinks they’re getting the final cut and there might be a situation with the project that could hold up delivery or the deal generally. This is the negative of waiting late to obtain E&amp;O insurance, especially if there are brands, logos, and/or permissions that have not yet been cleared.</p> \n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p> \n<p>&nbsp;</p> \n<h3>Related:</h3> \n<ul> \n <li><a href=\"/articles/why-are-certain-questions-asked-on-an-eo-application\" rel=\"noopener\">Why are certain questions asked on an E&amp;O application?</a></li> \n <li><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\"noopener\">E&amp;O Insurance for Film and TV: The Value of a Clearance Lawyer</a></li> \n <li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li> \n <li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe> \n </div> \n</div>","postRssContent":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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; 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wait?","publishedAt":1694549455144,"url":"https://www.frontrowinsurance.com/articles/producers-buy-an-eo-policy-before-going-into-production-or-wait","author":null,"cdnPurgeEmbargoTime":null,"label":"Producers: Buy an E&O policy before going into production or wait?","currentState":"PUBLISHED","lastEditSessionId":null,"lastEditUpdateId":null,"contentTypeCategory":3,"analyticsPageType":"blog-post","currentlyPublished":true,"contentTypeCategoryId":3,"category":3,"isPublished":true,"topics":[949708904,949708924,949708959,3033106217],"meta":{"public_access_rules_enabled":false,"public_access_rules":[],"html_title":"Producers: Buy an E&O policy before going into production or wait?","post_summary":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n","post_body":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<!--more--> \n<p><strong><br>Dave Stern</strong>: I think as an entertainment lawyer, we would always rather a <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s errors &amp; omissions (E&amp;O) policy</a> be obtained as early as possible, certainly before production would be ideal. In a lot of cases, for certain budget levels and depending on which parties are involved, certain broadcasters or distributors might require that policy in place.</p> \n<p>There are obviously pros to this approach; not just because it is mandated by those third parties but it forces the production to get everything in order legally as quickly as possible: chain of title, cast and crew agreements, releases, any and all forms of rights and permissions that they need to go into production. The caveat to that is that some things just might not be obtained before or in the first couple days of production. <a href=\"https://www.frontrowinsurance.com/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\">Music rights</a>, for example, are typically obtained after production. So, there will be some contracts that may need to be sorted out afterwards. But once E&amp;O is wrapped up for the production, that is a huge hurdle that the production has jumped over and they can focus on other matters.</p> \n<p>On a practical note, many independent production companies under certain budget levels may not have those third parties attached to the project before they go to camera. Maybe they have one or two.</p> \n<p>So, they may not be mandated to get the E&amp;O policy before it goes to principal photography. They might be obtaining E&amp;O afterwards; maybe during <a href=\"https://www.frontrowinsurance.com/en/post-production-studios\">post-production</a> or even later on, once they get distribution or other interest from a sales agent or distributor.</p> \n<p>The one pro to this approach is that when you <a href=\"https://www.frontrowinsurance.com/articles/answer-all-questions-on-eo-application\">complete the application</a>, you have a good understanding of all parties involved at that point. Chances are that you have music rights obtained, you have any and all third parties and necessary releases, and if for some reason you didn’t get a location or individual to sign a release during production, you might be able to get it a couple weeks later.</p> \n<p>The con to this approach is it all comes down to delivery: if you only obtain an E&amp;O policy to finalize a deal with a distributor, that’s part of the delivery process and you might go through that part and realize the film is already made, the final cut is done, and if your clearance lawyer spots an issue, the option of <a href=\"https://www.frontrowinsurance.com/articles/how-does-a-clearance-lawyer-determine-what-material-has-to-be-removed\">removing it</a> might already be too late.</p> \n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">The distributor</a> thinks they’re getting the final cut and there might be a situation with the project that could hold up delivery or the deal generally. This is the negative of waiting late to obtain E&amp;O insurance, especially if there are brands, logos, and/or permissions that have not yet been cleared.</p> \n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p> \n<p>&nbsp;</p> \n<h3>Related:</h3> \n<ul> \n <li><a href=\"/articles/why-are-certain-questions-asked-on-an-eo-application\" rel=\"noopener\">Why are certain questions asked on an E&amp;O application?</a></li> \n <li><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\"noopener\">E&amp;O Insurance for Film and TV: The Value of a Clearance Lawyer</a></li> \n <li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li> \n <li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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>","rss_summary":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n","rss_body":"<h2>Film Producers: Buy an E&amp;O policy before going into production or wait until the project has been sold?</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/uz93-o26BAM?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<!--more--> \n<p><strong><br>Dave Stern</strong>: I think as an entertainment lawyer, we would always rather a <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s errors &amp; omissions (E&amp;O) policy</a> be obtained as early as possible, certainly before production would be ideal. In a lot of cases, for certain budget levels and depending on which parties are involved, certain broadcasters or distributors might require that policy in place.</p> \n<p>There are obviously pros to this approach; not just because it is mandated by those third parties but it forces the production to get everything in order legally as quickly as possible: chain of title, cast and crew agreements, releases, any and all forms of rights and permissions that they need to go into production. The caveat to that is that some things just might not be obtained before or in the first couple days of production. <a href=\"https://www.frontrowinsurance.com/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\">Music rights</a>, for example, are typically obtained after production. So, there will be some contracts that may need to be sorted out afterwards. But once E&amp;O is wrapped up for the production, that is a huge hurdle that the production has jumped over and they can focus on other matters.</p> \n<p>On a practical note, many independent production companies under certain budget levels may not have those third parties attached to the project before they go to camera. Maybe they have one or two.</p> \n<p>So, they may not be mandated to get the E&amp;O policy before it goes to principal photography. They might be obtaining E&amp;O afterwards; maybe during <a href=\"https://www.frontrowinsurance.com/en/post-production-studios\">post-production</a> or even later on, once they get distribution or other interest from a sales agent or distributor.</p> \n<p>The one pro to this approach is that when you <a href=\"https://www.frontrowinsurance.com/articles/answer-all-questions-on-eo-application\">complete the application</a>, you have a good understanding of all parties involved at that point. Chances are that you have music rights obtained, you have any and all third parties and necessary releases, and if for some reason you didn’t get a location or individual to sign a release during production, you might be able to get it a couple weeks later.</p> \n<p>The con to this approach is it all comes down to delivery: if you only obtain an E&amp;O policy to finalize a deal with a distributor, that’s part of the delivery process and you might go through that part and realize the film is already made, the final cut is done, and if your clearance lawyer spots an issue, the option of <a href=\"https://www.frontrowinsurance.com/articles/how-does-a-clearance-lawyer-determine-what-material-has-to-be-removed\">removing it</a> might already be too late.</p> \n<p><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">The distributor</a> thinks they’re getting the final cut and there might be a situation with the project that could hold up delivery or the deal generally. This is the negative of waiting late to obtain E&amp;O insurance, especially if there are brands, logos, and/or permissions that have not yet been cleared.</p> \n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p> \n<p>&nbsp;</p> \n<h3>Related:</h3> \n<ul> \n <li><a href=\"/articles/why-are-certain-questions-asked-on-an-eo-application\" rel=\"noopener\">Why are certain questions asked on an E&amp;O application?</a></li> \n <li><a href=\"/articles/articles/bid/102480/eo-insurance-for-film-and-tv-the-value-of-a-lawyer\" rel=\"noopener\">E&amp;O Insurance for Film and TV: The Value of a Clearance Lawyer</a></li> \n <li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li> \n <li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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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Film Insurance underwriters appreciate the <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>\n<h2>The following should be included on Call Sheets:</h2>\n<ul>\n<li>Scheduled <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts</a></li>\n<li>Any special effects that will be used</li>\n<li>Scheduled use of <a href=\"/articles/articles/bid/111705/firearms-on-the-film-set-and-film-insurance\" rel=\"noopener\">firearms</a></li>\n<li>Potential hazards specific to the location</li>\n<li>Any required personal protective clothing/PPE and how workers can get it</li>\n<li>The name, contact number, and location of the first aid attendant</li>\n<li>The location of the first aid kit or facility</li>\n<li>The location of the nearest hospital or emergency facility</li>\n<li>Any other health and safety concerns that the cast and crew need to be aware of</li>\n</ul>\n<p>Safety guidelines should be attached to call sheets, <em>i.e.,</em> 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?</p>\n<p>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.</p>\n<h2>Other film &amp; TV set safety considerations:</h2>\n<p>Putting up <span style=\"font-weight: bold;\">safety posters</span> in common areas around the set as a reminder to pay attention to hazards around the workplace and certain locations, <em>e.g.,</em> <a href=\"/articles/articles/bid/103371/helicopter-film-insurance-protect-your-production-against-a-crash\" rel=\" noopener\">Aerial filming</a>.</p>\n<p>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.</p>\n<p><a href=\"/film-production-insurance/\" title=\"Front Row Insurance Brokers\" target=\"_self\">Front Row Insurance Brokers</a> are specialized Film Insurance Brokers. <a href=\"/contact-us\" rel=\" noopener\">Please call us</a> if you have any questions.</p>\n<p><em>The above information is&nbsp; based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition)</em></p>\n<h3>Related:</h3>\n<p><a href=\"/articles/what-does-a-stunt-coordinator-do\" rel=\"noopener\">What does a stunt coordinator do?</a></p>"},"id":"post_body","name":"post_body","type":"rich_text","label":"Blog Content","deleted_at":1613751872572},"module_150585078144639":{"body":{"per_widget_wrapper_html":"","wrapping_html":"","tag":"space","type":"space"},"css":{},"child_css":{},"id":"module_150585078144639","name":"module_150585078144639","type":"space","order":14,"label":"Horizontal Spacer","smart_type":null,"deleted_at":1569870630827},"module_150585066919533":{"body":{"per_widget_wrapper_html":"","wrapping_html":"","tag":"space","type":"space"},"css":{},"child_css":{},"id":"module_150585066919533","name":"module_150585066919533","type":"space","order":6,"label":"Horizontal 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broker","slug":"film-insurance-broker","description":"","created":1401901719000,"updated":1649863451156,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Film insurance broker","cdnPurgeEmbargoTime":null},{"id":949708904,"portalId":61352,"name":"Film production","slug":"film-production","description":"","created":1401901728000,"updated":1666900094400,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Film production","cdnPurgeEmbargoTime":null},{"id":949709669,"portalId":61352,"name":"Stunt insurance","slug":"stunt-insurance","description":"","created":1401901798000,"updated":1666900173899,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Stunt insurance","cdnPurgeEmbargoTime":null},{"id":949709699,"portalId":61352,"name":"SPFX insurance","slug":"spfx-insurance","description":"","created":1401901799000,"updated":1666900166889,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"SPFX insurance","cdnPurgeEmbargoTime":null}],"blogAuthor":{"portalId":61352,"id":952267721,"created":1401900296000,"updated":1401900296000,"deletedAt":0,"fullName":"David Hamilton","email":"david@frontrowinsurance.com","userId":null,"username":"david@frontrowinsurance.com","slug":"david-hamilton","language":null,"translatedFromId":null,"name":"David Hamilton","translations":{},"displayName":"David Hamilton","twitterUsername":"","hasSocialProfiles":false,"twitter":"","facebook":"","linkedin":"","bio":"","website":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/e5f627d6f4fb7738af400df9b2f0d390","cosObjectType":"BLOG_AUTHOR","label":"David Hamilton","cdnPurgeEmbargoTime":null},"previousPostSlug":"articles/producers-buy-an-eo-policy-before-going-into-production-or-wait","previousPostName":"Producers: Buy an E&O policy before going into production or wait?","previousPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Dave%20Stern/e&o-shutterstock_1746536957-forweb600.jpg","previousPostFeaturedImageAltText":"Film Producers: Buy an E&O policy","nextPostSlug":"articles/three-parts-of-film-production-insurance-explained","nextPostName":"The Three Parts of Film Production Insurance Explained by a Broker","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/WIFT/woman-on-set-shutterstock_1958449243-forweb600.jpg","nextPostFeaturedImageAltText":"Woman on set: film insurance explained","afterPostBody":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":true,"htmlTitle":"Call Sheets Help Reduce Film Insurance Costs","audienceAccess":"PUBLIC","postSummary":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>Daily Call Sheets in Film Production</h2>\n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>\n","postBody":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>Daily Call Sheets in Film Production</h2>\n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>\n<!--more-->\n<h2>The following should be included on call sheets:</h2>\n<ul>\n<li>Scheduled <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts</a></li>\n<li>Any <a href=\"/articles/articles/bid/103864/8-ways-to-save-money-when-insuring-stunts-spfx\" rel=\"noopener\">special effects</a> that will be used</li>\n<li>Potential hazards specific to the location</li>\n<li>Any required personal protective clothing/PPE and how workers can get it</li>\n<li>The name, contact number, and location of the first aid attendant</li>\n<li>The location of the <a href=\"https://geni.us/fZ2O\" rel=\"nofollow noopener\">first aid kit</a> [Amazon Affiliate Link] or facility</li>\n<li>The location of the nearest hospital or emergency facility</li>\n<li>Any other health and safety concerns that the cast and crew need to be aware of</li>\n</ul>\n<p><span style=\"font-weight: bold;\">Safety guidelines</span> should be attached to call sheets; <em>e.g.,</em> if any special effects are to be used on set, then a safety guideline should be attached specific to the type of special effects that will used.</p>\n<ul>\n<li>If you are shooting near a thoroughfare with lots of traffic, it may be useful to add notes about this on the call sheet.</li>\n<li>What are the weather conditions like?</li>\n<li>Will the crew require special footwear or clothing for extreme temperatures?</li>\n<li>What about <a href=\"https://geni.us/m7ExY\" rel=\"nofollow noopener\">sunscreen</a> [Amazon Affiliate Link] or hydration requirements?</li>\n</ul>\n<p>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.</p>\n<h2>Other film &amp; TV set safety considerations:</h2>\n<p>Consider putting up <a href=\"https://geni.us/BBiOmAr\" rel=\"nofollow noopener\"><span style=\"font-weight: bold;\">safety posters</span></a> [Amazon Affiliate Link] in common areas around the set to serve as a reminder to pay attention to hazards around the workplace and certain locations, <em>e.g.,</em> <a href=\"/articles/articles/bid/103371/helicopter-film-insurance-protect-your-production-against-a-crash\" rel=\" noopener\">aerial filming</a>.</p>\n<p>A specialized film insurance broker is best able to present the risks associated with your production to the film insurance underwriter to ensure that you receive the best coverage and premium for your production.</p>\n<p>Front Row Insurance Brokers are <a href=\"/articles/articles/bid/104094/how-a-specialized-film-insurance-broker-can-help-your-production\" rel=\"noopener\">specialized film insurance brokers</a>. <a href=\"/contact-us\" rel=\" noopener\">Please contact us</a> if you have any questions; we want to be part of your next production.</p>\n<p><span style=\"font-size: 14px;\"><em>The above information is&nbsp; based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition) / </em></span><strong style=\"font-size: 14px; background-color: transparent;\"><i>Amazon Associates Disclosure</i></strong><i style=\"font-size: 14px; background-color: transparent;\">: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links. There is no additional cost to you.</i></p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/what-does-a-stunt-coordinator-do\" rel=\"noopener\">What does a stunt coordinator do?</a></li>\n<li><a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">Film insurance premiums: one way to save money</a></li>\n<li><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\"noopener\">Film insurance: how the premium is determined</a></li>\n</ul>","rssSummary":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>Daily Call Sheets in Film Production</h2>\n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>\n","rssBody":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>Daily Call Sheets in Film Production</h2>\n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>\n<!--more-->\n<h2>The following should be included on call sheets:</h2>\n<ul>\n<li>Scheduled <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts</a></li>\n<li>Any <a href=\"/articles/articles/bid/103864/8-ways-to-save-money-when-insuring-stunts-spfx\" rel=\"noopener\">special effects</a> that will be used</li>\n<li>Potential hazards specific to the location</li>\n<li>Any required personal protective clothing/PPE and how workers can get it</li>\n<li>The name, contact number, and location of the first aid attendant</li>\n<li>The location of the <a href=\"https://geni.us/fZ2O\" rel=\"nofollow noopener\">first aid kit</a> [Amazon Affiliate Link] or facility</li>\n<li>The location of the nearest hospital or emergency facility</li>\n<li>Any other health and safety concerns that the cast and crew need to be aware of</li>\n</ul>\n<p><span style=\"font-weight: bold;\">Safety guidelines</span> should be attached to call sheets; <em>e.g.,</em> if any special effects are to be used on set, then a safety guideline should be attached specific to the type of special effects that will used.</p>\n<ul>\n<li>If you are shooting near a thoroughfare with lots of traffic, it may be useful to add notes about this on the call sheet.</li>\n<li>What are the weather conditions like?</li>\n<li>Will the crew require special footwear or clothing for extreme temperatures?</li>\n<li>What about <a href=\"https://geni.us/m7ExY\" rel=\"nofollow noopener\">sunscreen</a> [Amazon Affiliate Link] or hydration requirements?</li>\n</ul>\n<p>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.</p>\n<h2>Other film &amp; TV set safety considerations:</h2>\n<p>Consider putting up <a href=\"https://geni.us/BBiOmAr\" rel=\"nofollow noopener\"><span style=\"font-weight: bold;\">safety posters</span></a> [Amazon Affiliate Link] in common areas around the set to serve as a reminder to pay attention to hazards around the workplace and certain locations, <em>e.g.,</em> <a href=\"/articles/articles/bid/103371/helicopter-film-insurance-protect-your-production-against-a-crash\" rel=\" noopener\">aerial filming</a>.</p>\n<p>A specialized film insurance broker is best able to present the risks associated with your production to the film insurance underwriter to ensure that you receive the best coverage and premium for your production.</p>\n<p>Front Row Insurance Brokers are <a href=\"/articles/articles/bid/104094/how-a-specialized-film-insurance-broker-can-help-your-production\" rel=\"noopener\">specialized film insurance brokers</a>. <a href=\"/contact-us\" rel=\" noopener\">Please contact us</a> if you have any questions; we want to be part of your next production.</p>\n<p><span style=\"font-size: 14px;\"><em>The above information is&nbsp; based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition) / </em></span><strong style=\"font-size: 14px; background-color: transparent;\"><i>Amazon Associates Disclosure</i></strong><i style=\"font-size: 14px; background-color: transparent;\">: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links. There is no additional cost to you.</i></p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/what-does-a-stunt-coordinator-do\" rel=\"noopener\">What does a stunt coordinator do?</a></li>\n<li><a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">Film insurance premiums: one way to save money</a></li>\n<li><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\"noopener\">Film insurance: how the premium is determined</a></li>\n</ul>","postSummaryRss":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<p>&nbsp;</p> \n<h2>Daily Call Sheets in Film Production</h2> \n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>","postBodyRss":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>Daily Call Sheets in Film Production</h2>\n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>\n<!--more-->\n<h2>The following should be included on call sheets:</h2>\n<ul>\n<li>Scheduled <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts</a></li>\n<li>Any <a href=\"/articles/articles/bid/103864/8-ways-to-save-money-when-insuring-stunts-spfx\" rel=\"noopener\">special effects</a> that will be used</li>\n<li>Potential hazards specific to the location</li>\n<li>Any required personal protective clothing/PPE and how workers can get it</li>\n<li>The name, contact number, and location of the first aid attendant</li>\n<li>The location of the <a href=\"https://geni.us/fZ2O\" rel=\"nofollow noopener\">first aid kit</a> [Amazon Affiliate Link] or facility</li>\n<li>The location of the nearest hospital or emergency facility</li>\n<li>Any other health and safety concerns that the cast and crew need to be aware of</li>\n</ul>\n<p><span style=\"font-weight: bold;\">Safety guidelines</span> should be attached to call sheets; <em>e.g.,</em> if any special effects are to be used on set, then a safety guideline should be attached specific to the type of special effects that will used.</p>\n<ul>\n<li>If you are shooting near a thoroughfare with lots of traffic, it may be useful to add notes about this on the call sheet.</li>\n<li>What are the weather conditions like?</li>\n<li>Will the crew require special footwear or clothing for extreme temperatures?</li>\n<li>What about <a href=\"https://geni.us/m7ExY\" rel=\"nofollow noopener\">sunscreen</a> [Amazon Affiliate Link] or hydration requirements?</li>\n</ul>\n<p>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.</p>\n<h2>Other film &amp; TV set safety considerations:</h2>\n<p>Consider putting up <a href=\"https://geni.us/BBiOmAr\" rel=\"nofollow noopener\"><span style=\"font-weight: bold;\">safety posters</span></a> [Amazon Affiliate Link] in common areas around the set to serve as a reminder to pay attention to hazards around the workplace and certain locations, <em>e.g.,</em> <a href=\"/articles/articles/bid/103371/helicopter-film-insurance-protect-your-production-against-a-crash\" rel=\" noopener\">aerial filming</a>.</p>\n<p>A specialized film insurance broker is best able to present the risks associated with your production to the film insurance underwriter to ensure that you receive the best coverage and premium for your production.</p>\n<p>Front Row Insurance Brokers are <a href=\"/articles/articles/bid/104094/how-a-specialized-film-insurance-broker-can-help-your-production\" rel=\"noopener\">specialized film insurance brokers</a>. <a href=\"/contact-us\" rel=\" noopener\">Please contact us</a> if you have any questions; we want to be part of your next production.</p>\n<p><span style=\"font-size: 14px;\"><em>The above information is&nbsp; based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition) / </em></span><strong style=\"font-size: 14px; background-color: transparent;\"><i>Amazon Associates Disclosure</i></strong><i style=\"font-size: 14px; background-color: transparent;\">: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links. There is no additional cost to you.</i></p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/what-does-a-stunt-coordinator-do\" rel=\"noopener\">What does a stunt coordinator do?</a></li>\n<li><a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">Film insurance premiums: one way to save money</a></li>\n<li><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\"noopener\">Film insurance: how the premium is determined</a></li>\n</ul>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/call-sheet-forweb.jpg","tagIds":[949708774,949708814,949708904,949709669,949709699],"tagNames":["Film insurance","Film insurance broker","Film production","Stunt insurance","SPFX insurance"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1694109362520},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":0,"postListContent":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>Daily Call Sheets in Film Production</h2>\n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>\n<!--more-->\n<h2>The following should be included on call sheets:</h2>\n<ul>\n<li>Scheduled <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts</a></li>\n<li>Any <a href=\"/articles/articles/bid/103864/8-ways-to-save-money-when-insuring-stunts-spfx\" rel=\"noopener\">special effects</a> that will be used</li>\n<li>Potential hazards specific to the location</li>\n<li>Any required personal protective clothing/PPE and how workers can get it</li>\n<li>The name, contact number, and location of the first aid attendant</li>\n<li>The location of the <a href=\"https://geni.us/fZ2O\" rel=\"nofollow noopener\">first aid kit</a> [Amazon Affiliate Link] or facility</li>\n<li>The location of the nearest hospital or emergency facility</li>\n<li>Any other health and safety concerns that the cast and crew need to be aware of</li>\n</ul>\n<p><span style=\"font-weight: bold;\">Safety guidelines</span> should be attached to call sheets; <em>e.g.,</em> if any special effects are to be used on set, then a safety guideline should be attached specific to the type of special effects that will used.</p>\n<ul>\n<li>If you are shooting near a thoroughfare with lots of traffic, it may be useful to add notes about this on the call sheet.</li>\n<li>What are the weather conditions like?</li>\n<li>Will the crew require special footwear or clothing for extreme temperatures?</li>\n<li>What about <a href=\"https://geni.us/m7ExY\" rel=\"nofollow noopener\">sunscreen</a> [Amazon Affiliate Link] or hydration requirements?</li>\n</ul>\n<p>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.</p>\n<h2>Other film &amp; TV set safety considerations:</h2>\n<p>Consider putting up <a href=\"https://geni.us/BBiOmAr\" rel=\"nofollow noopener\"><span style=\"font-weight: bold;\">safety posters</span></a> [Amazon Affiliate Link] in common areas around the set to serve as a reminder to pay attention to hazards around the workplace and certain locations, <em>e.g.,</em> <a href=\"/articles/articles/bid/103371/helicopter-film-insurance-protect-your-production-against-a-crash\" rel=\" noopener\">aerial filming</a>.</p>\n<p>A specialized film insurance broker is best able to present the risks associated with your production to the film insurance underwriter to ensure that you receive the best coverage and premium for your production.</p>\n<p>Front Row Insurance Brokers are <a href=\"/articles/articles/bid/104094/how-a-specialized-film-insurance-broker-can-help-your-production\" rel=\"noopener\">specialized film insurance brokers</a>. <a href=\"/contact-us\" rel=\" noopener\">Please contact us</a> if you have any questions; we want to be part of your next production.</p>\n<p><span style=\"font-size: 14px;\"><em>The above information is&nbsp; based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition) / </em></span><strong style=\"font-size: 14px; background-color: transparent;\"><i>Amazon Associates Disclosure</i></strong><i style=\"font-size: 14px; background-color: transparent;\">: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links. There is no additional cost to you.</i></p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/what-does-a-stunt-coordinator-do\" rel=\"noopener\">What does a stunt coordinator do?</a></li>\n<li><a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">Film insurance premiums: one way to save money</a></li>\n<li><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\"noopener\">Film insurance: how the premium is determined</a></li>\n</ul>","postEmailContent":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<p>&nbsp;</p> \n<h2>Daily Call Sheets in Film Production</h2> \n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>","postRssContent":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<p>&nbsp;</p> \n<h2>Daily Call Sheets in Film Production</h2> \n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>","rssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/call-sheet-forweb.jpg","postListSummaryFeaturedImage":"","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/call-sheet-forweb.jpg","keywords":[],"isInstantEmailEnabled":true,"isSocialPublishingEnabled":false,"blogPostAuthor":{"portalId":61352,"id":952267721,"created":1401900296000,"updated":1401900296000,"deletedAt":0,"fullName":"David Hamilton","email":"david@frontrowinsurance.com","userId":null,"username":"david@frontrowinsurance.com","slug":"david-hamilton","language":null,"translatedFromId":null,"name":"David Hamilton","translations":{},"displayName":"David Hamilton","twitterUsername":"","hasSocialProfiles":false,"twitter":"","facebook":"","linkedin":"","bio":"","website":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/e5f627d6f4fb7738af400df9b2f0d390","cosObjectType":"BLOG_AUTHOR","label":"David Hamilton","cdnPurgeEmbargoTime":null},"postTemplate":"prox_frontrow/templates/blog/blog-post.html","topicIds":[949708774,949708814,949708904,949709669,949709699],"topicList":[{"id":949708774,"portalId":61352,"name":"Film insurance","slug":"film-insurance","description":"","created":1401901715000,"updated":1666892158848,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Film insurance","cdnPurgeEmbargoTime":null},{"id":949708814,"portalId":61352,"name":"Film insurance broker","slug":"film-insurance-broker","description":"","created":1401901719000,"updated":1649863451156,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Film insurance broker","cdnPurgeEmbargoTime":null},{"id":949708904,"portalId":61352,"name":"Film production","slug":"film-production","description":"","created":1401901728000,"updated":1666900094400,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Film production","cdnPurgeEmbargoTime":null},{"id":949709669,"portalId":61352,"name":"Stunt insurance","slug":"stunt-insurance","description":"","created":1401901798000,"updated":1666900173899,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Stunt insurance","cdnPurgeEmbargoTime":null},{"id":949709699,"portalId":61352,"name":"SPFX insurance","slug":"spfx-insurance","description":"","created":1401901799000,"updated":1666900166889,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"SPFX insurance","cdnPurgeEmbargoTime":null}],"topicNames":["Film insurance","Film insurance broker","Film production","Stunt insurance","SPFX insurance"],"areCommentsAllowed":true,"isCaptchaRequired":true,"syncedWithBlogRoot":true,"compositionId":0,"publicAccessRulesEnabled":false,"publicAccessRules":[],"header":null,"password":null,"layoutSections":{},"pastMabExperimentIds":[],"ab":false,"mab":false,"featuredImageAltText":"Call Sheets Help Reduce Film Production Insurance Costs","publishDateLocalTime":1694109362520,"enableLayoutStylesheets":null,"tweet":null,"tweetAt":null,"campaignName":null,"campaignUtm":null,"pageTitle":"Call Sheets Help Reduce Film Insurance Costs","metaKeywords":"Film Insurance claims, Film Production Companies, Film Production Equipment, Film Production Insurance, Film Production Insurance claims, Film Production Insurance Premiums, Film insurance broker, Film Insu","metaDescription":"Daily call sheets can be helpful in reducing film production insurance costs. 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Film insurance underwriters appreciate the <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>\n","post_body":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>Daily Call Sheets in Film Production</h2>\n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>\n<!--more-->\n<h2>The following should be included on call sheets:</h2>\n<ul>\n<li>Scheduled <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts</a></li>\n<li>Any <a href=\"/articles/articles/bid/103864/8-ways-to-save-money-when-insuring-stunts-spfx\" rel=\"noopener\">special effects</a> that will be used</li>\n<li>Potential hazards specific to the location</li>\n<li>Any required personal protective clothing/PPE and how workers can get it</li>\n<li>The name, contact number, and location of the first aid attendant</li>\n<li>The location of the <a href=\"https://geni.us/fZ2O\" rel=\"nofollow noopener\">first aid kit</a> [Amazon Affiliate Link] or facility</li>\n<li>The location of the nearest hospital or emergency facility</li>\n<li>Any other health and safety concerns that the cast and crew need to be aware of</li>\n</ul>\n<p><span style=\"font-weight: bold;\">Safety guidelines</span> should be attached to call sheets; <em>e.g.,</em> if any special effects are to be used on set, then a safety guideline should be attached specific to the type of special effects that will used.</p>\n<ul>\n<li>If you are shooting near a thoroughfare with lots of traffic, it may be useful to add notes about this on the call sheet.</li>\n<li>What are the weather conditions like?</li>\n<li>Will the crew require special footwear or clothing for extreme temperatures?</li>\n<li>What about <a href=\"https://geni.us/m7ExY\" rel=\"nofollow noopener\">sunscreen</a> [Amazon Affiliate Link] or hydration requirements?</li>\n</ul>\n<p>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.</p>\n<h2>Other film &amp; TV set safety considerations:</h2>\n<p>Consider putting up <a href=\"https://geni.us/BBiOmAr\" rel=\"nofollow noopener\"><span style=\"font-weight: bold;\">safety posters</span></a> [Amazon Affiliate Link] in common areas around the set to serve as a reminder to pay attention to hazards around the workplace and certain locations, <em>e.g.,</em> <a href=\"/articles/articles/bid/103371/helicopter-film-insurance-protect-your-production-against-a-crash\" rel=\" noopener\">aerial filming</a>.</p>\n<p>A specialized film insurance broker is best able to present the risks associated with your production to the film insurance underwriter to ensure that you receive the best coverage and premium for your production.</p>\n<p>Front Row Insurance Brokers are <a href=\"/articles/articles/bid/104094/how-a-specialized-film-insurance-broker-can-help-your-production\" rel=\"noopener\">specialized film insurance brokers</a>. <a href=\"/contact-us\" rel=\" noopener\">Please contact us</a> if you have any questions; we want to be part of your next production.</p>\n<p><span style=\"font-size: 14px;\"><em>The above information is&nbsp; based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition) / </em></span><strong style=\"font-size: 14px; background-color: transparent;\"><i>Amazon Associates Disclosure</i></strong><i style=\"font-size: 14px; background-color: transparent;\">: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links. There is no additional cost to you.</i></p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/what-does-a-stunt-coordinator-do\" rel=\"noopener\">What does a stunt coordinator do?</a></li>\n<li><a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">Film insurance premiums: one way to save money</a></li>\n<li><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\"noopener\">Film insurance: how the premium is determined</a></li>\n</ul>","rss_summary":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>Daily Call Sheets in Film Production</h2>\n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>\n","rss_body":"<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/nyhHo7WVtYk?si=MwZZZiZRkJx6pDMw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<p>&nbsp;</p>\n<h2>Daily Call Sheets in Film Production</h2>\n<p><a href=\"https://en.wikipedia.org/wiki/Daily_call_sheet\" rel=\"nofollow noopener\"><strong>Daily call sheets</strong></a> 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 <a href=\"/articles/articles/bid/111284/risk-assessments-for-film-productions\" rel=\"noopener\">risk management</a> component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.</p>\n<!--more-->\n<h2>The following should be included on call sheets:</h2>\n<ul>\n<li>Scheduled <a href=\"/articles/articles/bid/25570/film-production-insurance-covering-stunts-and-special-effects\" rel=\"noopener\">stunts</a></li>\n<li>Any <a href=\"/articles/articles/bid/103864/8-ways-to-save-money-when-insuring-stunts-spfx\" rel=\"noopener\">special effects</a> that will be used</li>\n<li>Potential hazards specific to the location</li>\n<li>Any required personal protective clothing/PPE and how workers can get it</li>\n<li>The name, contact number, and location of the first aid attendant</li>\n<li>The location of the <a href=\"https://geni.us/fZ2O\" rel=\"nofollow noopener\">first aid kit</a> [Amazon Affiliate Link] or facility</li>\n<li>The location of the nearest hospital or emergency facility</li>\n<li>Any other health and safety concerns that the cast and crew need to be aware of</li>\n</ul>\n<p><span style=\"font-weight: bold;\">Safety guidelines</span> should be attached to call sheets; <em>e.g.,</em> if any special effects are to be used on set, then a safety guideline should be attached specific to the type of special effects that will used.</p>\n<ul>\n<li>If you are shooting near a thoroughfare with lots of traffic, it may be useful to add notes about this on the call sheet.</li>\n<li>What are the weather conditions like?</li>\n<li>Will the crew require special footwear or clothing for extreme temperatures?</li>\n<li>What about <a href=\"https://geni.us/m7ExY\" rel=\"nofollow noopener\">sunscreen</a> [Amazon Affiliate Link] or hydration requirements?</li>\n</ul>\n<p>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.</p>\n<h2>Other film &amp; TV set safety considerations:</h2>\n<p>Consider putting up <a href=\"https://geni.us/BBiOmAr\" rel=\"nofollow noopener\"><span style=\"font-weight: bold;\">safety posters</span></a> [Amazon Affiliate Link] in common areas around the set to serve as a reminder to pay attention to hazards around the workplace and certain locations, <em>e.g.,</em> <a href=\"/articles/articles/bid/103371/helicopter-film-insurance-protect-your-production-against-a-crash\" rel=\" noopener\">aerial filming</a>.</p>\n<p>A specialized film insurance broker is best able to present the risks associated with your production to the film insurance underwriter to ensure that you receive the best coverage and premium for your production.</p>\n<p>Front Row Insurance Brokers are <a href=\"/articles/articles/bid/104094/how-a-specialized-film-insurance-broker-can-help-your-production\" rel=\"noopener\">specialized film insurance brokers</a>. <a href=\"/contact-us\" rel=\" noopener\">Please contact us</a> if you have any questions; we want to be part of your next production.</p>\n<p><span style=\"font-size: 14px;\"><em>The above information is&nbsp; based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition) / </em></span><strong style=\"font-size: 14px; background-color: transparent;\"><i>Amazon Associates Disclosure</i></strong><i style=\"font-size: 14px; background-color: transparent;\">: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links. There is no additional cost to you.</i></p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/what-does-a-stunt-coordinator-do\" rel=\"noopener\">What does a stunt coordinator do?</a></li>\n<li><a href=\"/articles/blog/film-production-insurance-premiums-one-way-to-save-money\" rel=\"noopener\">Film insurance premiums: one way to save money</a></li>\n<li><a href=\"/articles/articles/bid/31052/film-production-insurance-how-the-premium-is-determined\" rel=\"noopener\">Film insurance: how the premium is determined</a></li>\n</ul>","use_featured_image":true,"tag_ids":[949708774,949708814,949708904,949709669,949709699],"topic_ids":[949708774,949708814,949708904,949709669,949709699],"enable_google_amp_output_override":false,"generate_json_ld_enabled":true,"blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE","blog_publish_instant_email_task_uid":"DONE","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":0,"keywords":[],"composition_id":0,"header":null,"password":null,"published_at":1694109362519,"layout_sections":{},"past_mab_experiment_ids":[],"meta_description":"Daily call sheets can be helpful in reducing film production insurance costs. 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damage","slug":"third-party-property-damage","description":"","created":1468884993005,"updated":1666900185915,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Third party property damage","cdnPurgeEmbargoTime":null}],"blogAuthor":{"portalId":61352,"id":955789852,"created":1401900992000,"updated":1401900992000,"deletedAt":0,"fullName":"Mike Groner","email":"mike@frontrowinsurance.com","userId":null,"username":"mike@frontrowinsurance.com","slug":"mike-groner","language":null,"translatedFromId":null,"name":"Mike Groner","translations":{},"displayName":"Mike Groner","twitterUsername":"","hasSocialProfiles":false,"twitter":"","facebook":"","linkedin":"","bio":"","website":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/252f68ce4ae6e0d7765943bde5ade8c9","cosObjectType":"BLOG_AUTHOR","label":"Mike Groner","cdnPurgeEmbargoTime":null},"previousPostSlug":"articles/articles/bid/111086/call-sheets-help-reduce-film-production-insurance-costs","previousPostName":"Call Sheets Help Reduce Film Insurance Costs","previousPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/call-sheet-forweb.jpg","previousPostFeaturedImageAltText":"Call Sheets Help Reduce Film Production Insurance Costs","nextPostSlug":"articles/how-does-socan-play-a-role-in-helping-a-film-producer","nextPostName":"How does SOCAN play a role in helping a film producer ensure that they have their bases covered?","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/music/SOCAN%20logo-600.jpg","nextPostFeaturedImageAltText":"SOCAN logo","afterPostBody":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":true,"htmlTitle":"The Three Parts of Film Production Insurance Explained by a Broker","audienceAccess":"PUBLIC","postSummary":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postBody":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Mike Groner</strong>: Production insurance I would break down into three different parts. The first being the <span style=\"font-weight: bold;\">liability</span>; that’s your <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">commercial general liability</a>, also known as public liability. That’s the bodily injury or property damage to the public. No equipment vendor is going to let you out the door without liability insurance. You’re not going to get a film permit without liability insurance, and a financier is not going to give you your drawdown without liability insurance because no one wants to be sued on your behalf.</p>\n<p>The second and most common part is the <span style=\"font-weight: bold;\">property</span> section. This will insure your <a href=\"/articles/production-equipment-and-props-sets-wardrobe-insurance\" rel=\"noopener\">props, set, wardrobe</a>, production equipment, cameras, lighting, grip, as well as damage to <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\"noopener\">vehicles being rented</a> by the production whether they’re on camera or behind camera. <a href=\"/grip-van-grip-truck-insurance\" rel=\"noopener\">Grip trucks</a>, mobile studio units, trailers, etc. That’s all the physical damage to those types of property.</p>\n<p>The third section is sort of the unknown part to most people who are out to buy film insurance and that’s <span style=\"font-weight: bold;\">first-party coverage</span> or <a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\"noopener\">extra expense coverage</a>. The big one there and the one we tend to see the largest claims on is <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\"noopener\">cast insurance</a>. This insures your key cast members or your director if they get sick, injured or die. It doesn’t cover workers compensation and it doesn’t protect the artists themselves; what it’s doing is protecting the production company for expenses that the company would incur if they had to do a reshoot or shut down production to wait for that artist or director to get better. Or, in severe cases where maybe someone dies, or they’re not going to get better quick enough for the production to get done, it would cover the cost to go back and reshoot with a new artist.</p>\n<p>Some of the big examples of this would be <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">Heath Ledger on <em>The Imaginarium of Doctor Parnassus</em></a><em> </em>(2009) or <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker dying</a> during one of the episodes of the <em>Fast &amp; Furious</em> films and that’s actually the largest cast claim in history; upwards of $50 million.</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/24987/film-production-insurance-why-it-is-needed\" rel=\"noopener\">Film Insurance: Why is it Needed?</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">Entertainment Package Policy Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://cinevic.buzzsprout.com\" rel=\"nofollow noopener\">CineVic podcast</a></span></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>","rssSummary":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","rssBody":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Mike Groner</strong>: Production insurance I would break down into three different parts. The first being the <span style=\"font-weight: bold;\">liability</span>; that’s your <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">commercial general liability</a>, also known as public liability. That’s the bodily injury or property damage to the public. No equipment vendor is going to let you out the door without liability insurance. You’re not going to get a film permit without liability insurance, and a financier is not going to give you your drawdown without liability insurance because no one wants to be sued on your behalf.</p>\n<p>The second and most common part is the <span style=\"font-weight: bold;\">property</span> section. This will insure your <a href=\"/articles/production-equipment-and-props-sets-wardrobe-insurance\" rel=\"noopener\">props, set, wardrobe</a>, production equipment, cameras, lighting, grip, as well as damage to <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\"noopener\">vehicles being rented</a> by the production whether they’re on camera or behind camera. <a href=\"/grip-van-grip-truck-insurance\" rel=\"noopener\">Grip trucks</a>, mobile studio units, trailers, etc. That’s all the physical damage to those types of property.</p>\n<p>The third section is sort of the unknown part to most people who are out to buy film insurance and that’s <span style=\"font-weight: bold;\">first-party coverage</span> or <a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\"noopener\">extra expense coverage</a>. The big one there and the one we tend to see the largest claims on is <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\"noopener\">cast insurance</a>. This insures your key cast members or your director if they get sick, injured or die. It doesn’t cover workers compensation and it doesn’t protect the artists themselves; what it’s doing is protecting the production company for expenses that the company would incur if they had to do a reshoot or shut down production to wait for that artist or director to get better. Or, in severe cases where maybe someone dies, or they’re not going to get better quick enough for the production to get done, it would cover the cost to go back and reshoot with a new artist.</p>\n<p>Some of the big examples of this would be <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">Heath Ledger on <em>The Imaginarium of Doctor Parnassus</em></a><em> </em>(2009) or <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker dying</a> during one of the episodes of the <em>Fast &amp; Furious</em> films and that’s actually the largest cast claim in history; upwards of $50 million.</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/24987/film-production-insurance-why-it-is-needed\" rel=\"noopener\">Film Insurance: Why is it Needed?</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">Entertainment Package Policy Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://cinevic.buzzsprout.com\" rel=\"nofollow noopener\">CineVic podcast</a></span></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>","postSummaryRss":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postBodyRss":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Mike Groner</strong>: Production insurance I would break down into three different parts. The first being the <span style=\"font-weight: bold;\">liability</span>; that’s your <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">commercial general liability</a>, also known as public liability. That’s the bodily injury or property damage to the public. No equipment vendor is going to let you out the door without liability insurance. You’re not going to get a film permit without liability insurance, and a financier is not going to give you your drawdown without liability insurance because no one wants to be sued on your behalf.</p>\n<p>The second and most common part is the <span style=\"font-weight: bold;\">property</span> section. This will insure your <a href=\"/articles/production-equipment-and-props-sets-wardrobe-insurance\" rel=\"noopener\">props, set, wardrobe</a>, production equipment, cameras, lighting, grip, as well as damage to <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\"noopener\">vehicles being rented</a> by the production whether they’re on camera or behind camera. <a href=\"/grip-van-grip-truck-insurance\" rel=\"noopener\">Grip trucks</a>, mobile studio units, trailers, etc. That’s all the physical damage to those types of property.</p>\n<p>The third section is sort of the unknown part to most people who are out to buy film insurance and that’s <span style=\"font-weight: bold;\">first-party coverage</span> or <a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\"noopener\">extra expense coverage</a>. The big one there and the one we tend to see the largest claims on is <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\"noopener\">cast insurance</a>. This insures your key cast members or your director if they get sick, injured or die. It doesn’t cover workers compensation and it doesn’t protect the artists themselves; what it’s doing is protecting the production company for expenses that the company would incur if they had to do a reshoot or shut down production to wait for that artist or director to get better. Or, in severe cases where maybe someone dies, or they’re not going to get better quick enough for the production to get done, it would cover the cost to go back and reshoot with a new artist.</p>\n<p>Some of the big examples of this would be <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">Heath Ledger on <em>The Imaginarium of Doctor Parnassus</em></a><em> </em>(2009) or <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker dying</a> during one of the episodes of the <em>Fast &amp; Furious</em> films and that’s actually the largest cast claim in history; upwards of $50 million.</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/24987/film-production-insurance-why-it-is-needed\" rel=\"noopener\">Film Insurance: Why is it Needed?</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">Entertainment Package Policy Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://cinevic.buzzsprout.com\" rel=\"nofollow noopener\">CineVic podcast</a></span></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>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/WIFT/woman-on-set-shutterstock_1958449243-forweb600.jpg","tagIds":[949708814,949708904,949708959,956557290,3091662992,4234514579,4250588352],"tagNames":["Film insurance broker","Film production","Film insurance claims","Cast insurance","Automobile insurance for films","Extra expense coverage","Third party property damage"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1694093698017},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Mike Groner</strong>: Production insurance I would break down into three different parts. The first being the <span style=\"font-weight: bold;\">liability</span>; that’s your <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">commercial general liability</a>, also known as public liability. That’s the bodily injury or property damage to the public. No equipment vendor is going to let you out the door without liability insurance. You’re not going to get a film permit without liability insurance, and a financier is not going to give you your drawdown without liability insurance because no one wants to be sued on your behalf.</p>\n<p>The second and most common part is the <span style=\"font-weight: bold;\">property</span> section. This will insure your <a href=\"/articles/production-equipment-and-props-sets-wardrobe-insurance\" rel=\"noopener\">props, set, wardrobe</a>, production equipment, cameras, lighting, grip, as well as damage to <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\"noopener\">vehicles being rented</a> by the production whether they’re on camera or behind camera. <a href=\"/grip-van-grip-truck-insurance\" rel=\"noopener\">Grip trucks</a>, mobile studio units, trailers, etc. That’s all the physical damage to those types of property.</p>\n<p>The third section is sort of the unknown part to most people who are out to buy film insurance and that’s <span style=\"font-weight: bold;\">first-party coverage</span> or <a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\"noopener\">extra expense coverage</a>. The big one there and the one we tend to see the largest claims on is <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\"noopener\">cast insurance</a>. This insures your key cast members or your director if they get sick, injured or die. It doesn’t cover workers compensation and it doesn’t protect the artists themselves; what it’s doing is protecting the production company for expenses that the company would incur if they had to do a reshoot or shut down production to wait for that artist or director to get better. Or, in severe cases where maybe someone dies, or they’re not going to get better quick enough for the production to get done, it would cover the cost to go back and reshoot with a new artist.</p>\n<p>Some of the big examples of this would be <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">Heath Ledger on <em>The Imaginarium of Doctor Parnassus</em></a><em> </em>(2009) or <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker dying</a> during one of the episodes of the <em>Fast &amp; Furious</em> films and that’s actually the largest cast claim in history; upwards of $50 million.</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/24987/film-production-insurance-why-it-is-needed\" rel=\"noopener\">Film Insurance: Why is it Needed?</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">Entertainment Package Policy Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://cinevic.buzzsprout.com\" rel=\"nofollow noopener\">CineVic podcast</a></span></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":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" 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\n</div>","rssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/WIFT/woman-on-set-shutterstock_1958449243-forweb600.jpg","postListSummaryFeaturedImage":"","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/WIFT/woman-on-set-shutterstock_1958449243-forweb600.jpg","keywords":[],"isInstantEmailEnabled":true,"isSocialPublishingEnabled":false,"blogPostAuthor":{"portalId":61352,"id":955789852,"created":1401900992000,"updated":1401900992000,"deletedAt":0,"fullName":"Mike Groner","email":"mike@frontrowinsurance.com","userId":null,"username":"mike@frontrowinsurance.com","slug":"mike-groner","language":null,"translatedFromId":null,"name":"Mike Groner","translations":{},"displayName":"Mike 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Explained by a Broker","metaKeywords":null,"metaDescription":"Mike Groner: Production insurance I would break down into three different parts. The first being the liability; that’s your commercial general liability.","tweetImmediately":false,"publishImmediately":true,"securityState":"NONE","scheduledUpdateDate":0,"placementGuids":[],"propertyForDynamicPageTitle":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageCanonicalUrl":null,"previewImageSrc":null,"legacyBlogTabid":null,"legacyPostGuid":null,"performableVariationLetter":null,"styleOverrideId":null,"hasUserChanges":true,"css":{},"cssText":"","createdTime":1682605116066,"unpublishedAt":0,"archivedInDashboard":false,"authorUsername":null,"archivedAt":0,"publishedById":7915797,"allowedSlugConflict":false,"abVariation":false,"abVariationAutomated":false,"mabMaster":false,"mabVariant":false,"linkRelCanonicalUrl":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/three-parts-of-film-production-insurance-explained","pageRedirected":false,"pageExpiryEnabled":null,"pageExpiryDate":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"translatedContent":{},"deletedBy":null,"stateWhenDeleted":null,"clonedFrom":null,"stagedFrom":null,"personas":[],"composeBody":null,"featuredImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/WIFT/woman-on-set-shutterstock_1958449243-forweb600.jpg","featuredImageWidth":600,"featuredImageHeight":400,"publishTimezoneOffset":null,"themeSettingsValues":null,"isInstanceLayoutPage":false,"headHtml":"<!-- START - Generated by ClassySchema.org on Thu, 27 Apr 2023 14:27:26 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"https://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"The Three Parts of Film Production Insurance Explained\",\n\t\"description\": \"Courtesy of the CineVic podcast: https://cinevic.buzzsprout.com/\",\n\t\"thumbnailUrl\": \"https://i.ytimg.com/vi/cxnmlcOsMcc/mqdefault.jpg\",\n\t\"duration\": \"PT2M13S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=cxnmlcOsMcc\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/cxnmlcOsMcc\",\n\t\"uploadDate\": \"2023-04-27\",\n\t\"potentialAction\": {\n\t\t\"@type\": \"SeekToAction\",\n\t\t\"target\": \"https://youtu.be/cxnmlcOsMcc?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-->","footerHtml":null,"attachedStylesheets":[],"enableDomainStylesheets":null,"includeDefaultCustomCss":null,"title":"The Three Parts of Film Production Insurance Explained by a Broker","publishedAt":1694093698017,"url":"https://www.frontrowinsurance.com/articles/three-parts-of-film-production-insurance-explained","author":null,"cdnPurgeEmbargoTime":null,"label":"The Three Parts of Film Production Insurance Explained by a Broker","currentState":"PUBLISHED","lastEditSessionId":null,"lastEditUpdateId":null,"contentTypeCategory":3,"analyticsPageType":"blog-post","currentlyPublished":true,"contentTypeCategoryId":3,"category":3,"isPublished":true,"topics":[949708814,949708904,949708959,956557290,3091662992,4234514579,4250588352],"meta":{"public_access_rules_enabled":false,"public_access_rules":[],"html_title":"The Three Parts of Film Production Insurance Explained by a Broker","post_summary":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","post_body":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Mike Groner</strong>: Production insurance I would break down into three different parts. The first being the <span style=\"font-weight: bold;\">liability</span>; that’s your <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">commercial general liability</a>, also known as public liability. That’s the bodily injury or property damage to the public. No equipment vendor is going to let you out the door without liability insurance. You’re not going to get a film permit without liability insurance, and a financier is not going to give you your drawdown without liability insurance because no one wants to be sued on your behalf.</p>\n<p>The second and most common part is the <span style=\"font-weight: bold;\">property</span> section. This will insure your <a href=\"/articles/production-equipment-and-props-sets-wardrobe-insurance\" rel=\"noopener\">props, set, wardrobe</a>, production equipment, cameras, lighting, grip, as well as damage to <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\"noopener\">vehicles being rented</a> by the production whether they’re on camera or behind camera. <a href=\"/grip-van-grip-truck-insurance\" rel=\"noopener\">Grip trucks</a>, mobile studio units, trailers, etc. That’s all the physical damage to those types of property.</p>\n<p>The third section is sort of the unknown part to most people who are out to buy film insurance and that’s <span style=\"font-weight: bold;\">first-party coverage</span> or <a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\"noopener\">extra expense coverage</a>. The big one there and the one we tend to see the largest claims on is <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\"noopener\">cast insurance</a>. This insures your key cast members or your director if they get sick, injured or die. It doesn’t cover workers compensation and it doesn’t protect the artists themselves; what it’s doing is protecting the production company for expenses that the company would incur if they had to do a reshoot or shut down production to wait for that artist or director to get better. Or, in severe cases where maybe someone dies, or they’re not going to get better quick enough for the production to get done, it would cover the cost to go back and reshoot with a new artist.</p>\n<p>Some of the big examples of this would be <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">Heath Ledger on <em>The Imaginarium of Doctor Parnassus</em></a><em> </em>(2009) or <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker dying</a> during one of the episodes of the <em>Fast &amp; Furious</em> films and that’s actually the largest cast claim in history; upwards of $50 million.</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/24987/film-production-insurance-why-it-is-needed\" rel=\"noopener\">Film Insurance: Why is it Needed?</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">Entertainment Package Policy Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://cinevic.buzzsprout.com\" rel=\"nofollow noopener\">CineVic podcast</a></span></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>","rss_summary":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","rss_body":"<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/cxnmlcOsMcc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Mike Groner</strong>: Production insurance I would break down into three different parts. The first being the <span style=\"font-weight: bold;\">liability</span>; that’s your <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">commercial general liability</a>, also known as public liability. That’s the bodily injury or property damage to the public. No equipment vendor is going to let you out the door without liability insurance. You’re not going to get a film permit without liability insurance, and a financier is not going to give you your drawdown without liability insurance because no one wants to be sued on your behalf.</p>\n<p>The second and most common part is the <span style=\"font-weight: bold;\">property</span> section. This will insure your <a href=\"/articles/production-equipment-and-props-sets-wardrobe-insurance\" rel=\"noopener\">props, set, wardrobe</a>, production equipment, cameras, lighting, grip, as well as damage to <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\"noopener\">vehicles being rented</a> by the production whether they’re on camera or behind camera. <a href=\"/grip-van-grip-truck-insurance\" rel=\"noopener\">Grip trucks</a>, mobile studio units, trailers, etc. That’s all the physical damage to those types of property.</p>\n<p>The third section is sort of the unknown part to most people who are out to buy film insurance and that’s <span style=\"font-weight: bold;\">first-party coverage</span> or <a href=\"/articles/articles/bid/75392/film-production-equipment-insurance-why-you-need-extra-expense\" rel=\"noopener\">extra expense coverage</a>. The big one there and the one we tend to see the largest claims on is <a href=\"/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\" rel=\"noopener\">cast insurance</a>. This insures your key cast members or your director if they get sick, injured or die. It doesn’t cover workers compensation and it doesn’t protect the artists themselves; what it’s doing is protecting the production company for expenses that the company would incur if they had to do a reshoot or shut down production to wait for that artist or director to get better. Or, in severe cases where maybe someone dies, or they’re not going to get better quick enough for the production to get done, it would cover the cost to go back and reshoot with a new artist.</p>\n<p>Some of the big examples of this would be <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">Heath Ledger on <em>The Imaginarium of Doctor Parnassus</em></a><em> </em>(2009) or <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker dying</a> during one of the episodes of the <em>Fast &amp; Furious</em> films and that’s actually the largest cast claim in history; upwards of $50 million.</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/24987/film-production-insurance-why-it-is-needed\" rel=\"noopener\">Film Insurance: Why is it Needed?</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">Entertainment Package Policy Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://cinevic.buzzsprout.com\" rel=\"nofollow noopener\">CineVic podcast</a></span></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>","use_featured_image":true,"tag_ids":[949708814,949708904,949708959,956557290,3091662992,4234514579,4250588352],"topic_ids":[949708814,949708904,949708959,956557290,3091662992,4234514579,4250588352],"enable_google_amp_output_override":false,"generate_json_ld_enabled":true,"blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE","blog_publish_instant_email_task_uid":"DONE","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":null,"keywords":[],"composition_id":0,"header":null,"password":null,"published_at":1694093698017,"layout_sections":{},"past_mab_experiment_ids":[],"meta_description":"Mike Groner: Production insurance I would break down into three different parts. The first being the liability; that’s your commercial general liability.","meta_keywords":null,"featured_image_width":600,"featured_image_height":400,"publish_timezone_offset":null,"theme_settings_values":null,"featured_image_alt_text":"Woman on set: film insurance 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Broker","previousPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/WIFT/woman-on-set-shutterstock_1958449243-forweb600.jpg","previousPostFeaturedImageAltText":"Woman on set: film insurance explained","nextPostSlug":"articles/filmmakers-capture-footage-of-the-location-before-the-shoot","nextPostName":"Filmmakers: Capture Footage of the Location Before the Shoot!","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Podcasts/Civil-authority-600x600.jpg","nextPostFeaturedImageAltText":"Vantropolis podcast: Filmmakers, Capture Footage of the Location","afterPostBody":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":true,"htmlTitle":"How does SOCAN play a role in helping a film producer ensure that they have their bases covered?","audienceAccess":"PUBLIC","postSummary":"<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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postBody":"<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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>: <a href=\"https://www.socan.com/\">SOCAN</a> is an organization of nearly 200,000 members in Canada, fully composed of music writers and publishers but mostly composed of writers. And when writers write a song, whether they’re a beatmaker or producer or lyricist or rapper, etc., they register themselves as a SOCAN writer member, and they should also register all their compositions to SOCAN.</p>\n<p>A lot of the time what I’m doing is going on SOCAN’s website, looking at their repertoire, looking up a composition and seeing who the writers and publishers are. And sometimes I discover that there are people listed there who are not subject to any agreement of a song that we’re licensing.</p>\n<p>I remember one time, I was helping a producer put together some master use and synchronization licensing agreements, they gave me the names of every song, they knew who all the writers were and who created the recordings, and as an extra layer of due diligence, I went onto SOCAN’s website, I searched every composition, and for one composition I found that there was some other person listed who had the same last name as a writer we knew about, but it was some other person.</p>\n<p>So, I asked the producer to go check this out and it ended up being the child of this composer. So, the composer listed themselves and their kid, which actually extends the life of a song when it goes into the public domain because if you’re 100 and your co-writer is 5, then the public domain starts way later, but that’s another topic.</p>\n<h2>How does a producer use SOCAN?</h2>\n<p>[A film producer] can see on SOCAN who the writers are, or at least who is registered as a writer. SOCAN does not equal fact all the time. Just because someone is listed as a writer on SOCAN doesn’t mean that they actually wrote the song, but it’s a good way to do some due diligence to see whether or not someone is missing from the list of agreements.</p>\n<p>SOCAN is not the only list that is out there. Oftentimes, I also look at the BMI and ASCAP lists. These organizations are similar to SOCAN but based in the US. They have a similar repertoire system but there are some songs listed there that aren’t on SOCAN’s lists, but the bottom line is that these <a href=\"https://en.wikipedia.org/wiki/Performance_rights_organisation\" rel=\"nofollow noopener\">performance rights organizations</a> (PROs) have lists of compositions and those lists can be helpful to see whether or not there are people who may come after you if you don’t get their consent [to use their music in your production].</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></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/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/bid/117160/instrument-insurance-for-socan-members\" rel=\"noopener\">Musical Instrument Insurance for SOCAN Members</a></li>\n<li><a href=\"/en/socan-instrument-application\" rel=\"noopener\">Online Musical Instrument Insurance for SOCAN Members, Available 24/7</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer’s E&amp;O clearance procedures</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Byron Pascoe</a></li>\n</ul>\n<p>&nbsp;</p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: 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: 14px;\"><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>","rssSummary":"<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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","rssBody":"<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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>: <a href=\"https://www.socan.com/\">SOCAN</a> is an organization of nearly 200,000 members in Canada, fully composed of music writers and publishers but mostly composed of writers. And when writers write a song, whether they’re a beatmaker or producer or lyricist or rapper, etc., they register themselves as a SOCAN writer member, and they should also register all their compositions to SOCAN.</p>\n<p>A lot of the time what I’m doing is going on SOCAN’s website, looking at their repertoire, looking up a composition and seeing who the writers and publishers are. And sometimes I discover that there are people listed there who are not subject to any agreement of a song that we’re licensing.</p>\n<p>I remember one time, I was helping a producer put together some master use and synchronization licensing agreements, they gave me the names of every song, they knew who all the writers were and who created the recordings, and as an extra layer of due diligence, I went onto SOCAN’s website, I searched every composition, and for one composition I found that there was some other person listed who had the same last name as a writer we knew about, but it was some other person.</p>\n<p>So, I asked the producer to go check this out and it ended up being the child of this composer. So, the composer listed themselves and their kid, which actually extends the life of a song when it goes into the public domain because if you’re 100 and your co-writer is 5, then the public domain starts way later, but that’s another topic.</p>\n<h2>How does a producer use SOCAN?</h2>\n<p>[A film producer] can see on SOCAN who the writers are, or at least who is registered as a writer. SOCAN does not equal fact all the time. Just because someone is listed as a writer on SOCAN doesn’t mean that they actually wrote the song, but it’s a good way to do some due diligence to see whether or not someone is missing from the list of agreements.</p>\n<p>SOCAN is not the only list that is out there. Oftentimes, I also look at the BMI and ASCAP lists. These organizations are similar to SOCAN but based in the US. They have a similar repertoire system but there are some songs listed there that aren’t on SOCAN’s lists, but the bottom line is that these <a href=\"https://en.wikipedia.org/wiki/Performance_rights_organisation\" rel=\"nofollow noopener\">performance rights organizations</a> (PROs) have lists of compositions and those lists can be helpful to see whether or not there are people who may come after you if you don’t get their consent [to use their music in your production].</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></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/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/bid/117160/instrument-insurance-for-socan-members\" rel=\"noopener\">Musical Instrument Insurance for SOCAN Members</a></li>\n<li><a href=\"/en/socan-instrument-application\" rel=\"noopener\">Online Musical Instrument Insurance for SOCAN Members, Available 24/7</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer’s E&amp;O clearance procedures</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Byron Pascoe</a></li>\n</ul>\n<p>&nbsp;</p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: 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: 14px;\"><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>","postSummaryRss":"<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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postBodyRss":"<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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>: <a href=\"https://www.socan.com/\">SOCAN</a> is an organization of nearly 200,000 members in Canada, fully composed of music writers and publishers but mostly composed of writers. And when writers write a song, whether they’re a beatmaker or producer or lyricist or rapper, etc., they register themselves as a SOCAN writer member, and they should also register all their compositions to SOCAN.</p>\n<p>A lot of the time what I’m doing is going on SOCAN’s website, looking at their repertoire, looking up a composition and seeing who the writers and publishers are. And sometimes I discover that there are people listed there who are not subject to any agreement of a song that we’re licensing.</p>\n<p>I remember one time, I was helping a producer put together some master use and synchronization licensing agreements, they gave me the names of every song, they knew who all the writers were and who created the recordings, and as an extra layer of due diligence, I went onto SOCAN’s website, I searched every composition, and for one composition I found that there was some other person listed who had the same last name as a writer we knew about, but it was some other person.</p>\n<p>So, I asked the producer to go check this out and it ended up being the child of this composer. So, the composer listed themselves and their kid, which actually extends the life of a song when it goes into the public domain because if you’re 100 and your co-writer is 5, then the public domain starts way later, but that’s another topic.</p>\n<h2>How does a producer use SOCAN?</h2>\n<p>[A film producer] can see on SOCAN who the writers are, or at least who is registered as a writer. SOCAN does not equal fact all the time. Just because someone is listed as a writer on SOCAN doesn’t mean that they actually wrote the song, but it’s a good way to do some due diligence to see whether or not someone is missing from the list of agreements.</p>\n<p>SOCAN is not the only list that is out there. Oftentimes, I also look at the BMI and ASCAP lists. These organizations are similar to SOCAN but based in the US. They have a similar repertoire system but there are some songs listed there that aren’t on SOCAN’s lists, but the bottom line is that these <a href=\"https://en.wikipedia.org/wiki/Performance_rights_organisation\" rel=\"nofollow noopener\">performance rights organizations</a> (PROs) have lists of compositions and those lists can be helpful to see whether or not there are people who may come after you if you don’t get their consent [to use their music in your production].</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></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/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/bid/117160/instrument-insurance-for-socan-members\" rel=\"noopener\">Musical Instrument Insurance for SOCAN Members</a></li>\n<li><a href=\"/en/socan-instrument-application\" rel=\"noopener\">Online Musical Instrument Insurance for SOCAN Members, Available 24/7</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer’s E&amp;O clearance procedures</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Byron Pascoe</a></li>\n</ul>\n<p>&nbsp;</p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: 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: 14px;\"><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>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/music/SOCAN%20logo-600.jpg","tagIds":[949436814,949708924],"tagNames":["Musical instrument insurance","Film producer's E&O insurance"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1693573577370},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>: <a href=\"https://www.socan.com/\">SOCAN</a> is an organization of nearly 200,000 members in Canada, fully composed of music writers and publishers but mostly composed of writers. And when writers write a song, whether they’re a beatmaker or producer or lyricist or rapper, etc., they register themselves as a SOCAN writer member, and they should also register all their compositions to SOCAN.</p>\n<p>A lot of the time what I’m doing is going on SOCAN’s website, looking at their repertoire, looking up a composition and seeing who the writers and publishers are. And sometimes I discover that there are people listed there who are not subject to any agreement of a song that we’re licensing.</p>\n<p>I remember one time, I was helping a producer put together some master use and synchronization licensing agreements, they gave me the names of every song, they knew who all the writers were and who created the recordings, and as an extra layer of due diligence, I went onto SOCAN’s website, I searched every composition, and for one composition I found that there was some other person listed who had the same last name as a writer we knew about, but it was some other person.</p>\n<p>So, I asked the producer to go check this out and it ended up being the child of this composer. So, the composer listed themselves and their kid, which actually extends the life of a song when it goes into the public domain because if you’re 100 and your co-writer is 5, then the public domain starts way later, but that’s another topic.</p>\n<h2>How does a producer use SOCAN?</h2>\n<p>[A film producer] can see on SOCAN who the writers are, or at least who is registered as a writer. SOCAN does not equal fact all the time. Just because someone is listed as a writer on SOCAN doesn’t mean that they actually wrote the song, but it’s a good way to do some due diligence to see whether or not someone is missing from the list of agreements.</p>\n<p>SOCAN is not the only list that is out there. Oftentimes, I also look at the BMI and ASCAP lists. These organizations are similar to SOCAN but based in the US. They have a similar repertoire system but there are some songs listed there that aren’t on SOCAN’s lists, but the bottom line is that these <a href=\"https://en.wikipedia.org/wiki/Performance_rights_organisation\" rel=\"nofollow noopener\">performance rights organizations</a> (PROs) have lists of compositions and those lists can be helpful to see whether or not there are people who may come after you if you don’t get their consent [to use their music in your production].</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></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/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/bid/117160/instrument-insurance-for-socan-members\" rel=\"noopener\">Musical Instrument Insurance for SOCAN Members</a></li>\n<li><a href=\"/en/socan-instrument-application\" rel=\"noopener\">Online Musical Instrument Insurance for SOCAN Members, Available 24/7</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer’s E&amp;O clearance procedures</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Byron Pascoe</a></li>\n</ul>\n<p>&nbsp;</p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: 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: 14px;\"><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":"<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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" 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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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","post_body":"<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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>: <a href=\"https://www.socan.com/\">SOCAN</a> is an organization of nearly 200,000 members in Canada, fully composed of music writers and publishers but mostly composed of writers. And when writers write a song, whether they’re a beatmaker or producer or lyricist or rapper, etc., they register themselves as a SOCAN writer member, and they should also register all their compositions to SOCAN.</p>\n<p>A lot of the time what I’m doing is going on SOCAN’s website, looking at their repertoire, looking up a composition and seeing who the writers and publishers are. And sometimes I discover that there are people listed there who are not subject to any agreement of a song that we’re licensing.</p>\n<p>I remember one time, I was helping a producer put together some master use and synchronization licensing agreements, they gave me the names of every song, they knew who all the writers were and who created the recordings, and as an extra layer of due diligence, I went onto SOCAN’s website, I searched every composition, and for one composition I found that there was some other person listed who had the same last name as a writer we knew about, but it was some other person.</p>\n<p>So, I asked the producer to go check this out and it ended up being the child of this composer. So, the composer listed themselves and their kid, which actually extends the life of a song when it goes into the public domain because if you’re 100 and your co-writer is 5, then the public domain starts way later, but that’s another topic.</p>\n<h2>How does a producer use SOCAN?</h2>\n<p>[A film producer] can see on SOCAN who the writers are, or at least who is registered as a writer. SOCAN does not equal fact all the time. Just because someone is listed as a writer on SOCAN doesn’t mean that they actually wrote the song, but it’s a good way to do some due diligence to see whether or not someone is missing from the list of agreements.</p>\n<p>SOCAN is not the only list that is out there. Oftentimes, I also look at the BMI and ASCAP lists. These organizations are similar to SOCAN but based in the US. They have a similar repertoire system but there are some songs listed there that aren’t on SOCAN’s lists, but the bottom line is that these <a href=\"https://en.wikipedia.org/wiki/Performance_rights_organisation\" rel=\"nofollow noopener\">performance rights organizations</a> (PROs) have lists of compositions and those lists can be helpful to see whether or not there are people who may come after you if you don’t get their consent [to use their music in your production].</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></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/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/bid/117160/instrument-insurance-for-socan-members\" rel=\"noopener\">Musical Instrument Insurance for SOCAN Members</a></li>\n<li><a href=\"/en/socan-instrument-application\" rel=\"noopener\">Online Musical Instrument Insurance for SOCAN Members, Available 24/7</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer’s E&amp;O clearance procedures</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Byron Pascoe</a></li>\n</ul>\n<p>&nbsp;</p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: 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: 14px;\"><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>","rss_summary":"<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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","rss_body":"<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/qoJZsWAXIbg?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>: <a href=\"https://www.socan.com/\">SOCAN</a> is an organization of nearly 200,000 members in Canada, fully composed of music writers and publishers but mostly composed of writers. And when writers write a song, whether they’re a beatmaker or producer or lyricist or rapper, etc., they register themselves as a SOCAN writer member, and they should also register all their compositions to SOCAN.</p>\n<p>A lot of the time what I’m doing is going on SOCAN’s website, looking at their repertoire, looking up a composition and seeing who the writers and publishers are. And sometimes I discover that there are people listed there who are not subject to any agreement of a song that we’re licensing.</p>\n<p>I remember one time, I was helping a producer put together some master use and synchronization licensing agreements, they gave me the names of every song, they knew who all the writers were and who created the recordings, and as an extra layer of due diligence, I went onto SOCAN’s website, I searched every composition, and for one composition I found that there was some other person listed who had the same last name as a writer we knew about, but it was some other person.</p>\n<p>So, I asked the producer to go check this out and it ended up being the child of this composer. So, the composer listed themselves and their kid, which actually extends the life of a song when it goes into the public domain because if you’re 100 and your co-writer is 5, then the public domain starts way later, but that’s another topic.</p>\n<h2>How does a producer use SOCAN?</h2>\n<p>[A film producer] can see on SOCAN who the writers are, or at least who is registered as a writer. SOCAN does not equal fact all the time. Just because someone is listed as a writer on SOCAN doesn’t mean that they actually wrote the song, but it’s a good way to do some due diligence to see whether or not someone is missing from the list of agreements.</p>\n<p>SOCAN is not the only list that is out there. Oftentimes, I also look at the BMI and ASCAP lists. These organizations are similar to SOCAN but based in the US. They have a similar repertoire system but there are some songs listed there that aren’t on SOCAN’s lists, but the bottom line is that these <a href=\"https://en.wikipedia.org/wiki/Performance_rights_organisation\" rel=\"nofollow noopener\">performance rights organizations</a> (PROs) have lists of compositions and those lists can be helpful to see whether or not there are people who may come after you if you don’t get their consent [to use their music in your production].</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></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/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/bid/117160/instrument-insurance-for-socan-members\" rel=\"noopener\">Musical Instrument Insurance for SOCAN Members</a></li>\n<li><a href=\"/en/socan-instrument-application\" rel=\"noopener\">Online Musical Instrument Insurance for SOCAN Members, Available 24/7</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer’s E&amp;O clearance procedures</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Byron Pascoe</a></li>\n</ul>\n<p>&nbsp;</p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: 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: 14px;\"><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>","use_featured_image":true,"tag_ids":[949436814,949708924],"topic_ids":[949436814,949708924],"enable_google_amp_output_override":false,"generate_json_ld_enabled":true,"blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE","blog_publish_instant_email_task_uid":"DONE","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":null,"keywords":[],"composition_id":0,"header":null,"password":null,"published_at":1693573577370,"layout_sections":{},"past_mab_experiment_ids":[],"meta_description":"SOCAN is an organization of nearly 200,000 members in Canada, fully composed of music writers and publishers but mostly composed of 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damage","cdnPurgeEmbargoTime":null}],"blogAuthor":{"portalId":61352,"id":955789852,"created":1401900992000,"updated":1401900992000,"deletedAt":0,"fullName":"Mike Groner","email":"mike@frontrowinsurance.com","userId":null,"username":"mike@frontrowinsurance.com","slug":"mike-groner","language":null,"translatedFromId":null,"name":"Mike Groner","translations":{},"displayName":"Mike Groner","twitterUsername":"","hasSocialProfiles":false,"twitter":"","facebook":"","linkedin":"","bio":"","website":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/252f68ce4ae6e0d7765943bde5ade8c9","cosObjectType":"BLOG_AUTHOR","label":"Mike Groner","cdnPurgeEmbargoTime":null},"previousPostSlug":"articles/how-does-socan-play-a-role-in-helping-a-film-producer","previousPostName":"How does SOCAN play a role in helping a film producer ensure that they have their bases covered?","previousPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/music/SOCAN%20logo-600.jpg","previousPostFeaturedImageAltText":"SOCAN logo","nextPostSlug":"articles/online-cyber-insurance-for-canadian-small-businesses","nextPostName":"Cyber Insurance for Canadian Small Businesses | Cyber Insurance Canada","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/cyber%20law%20cropped-3.jpg","nextPostFeaturedImageAltText":"Cyber Insurance for Canadian Small Businesses | Cyber Insurance Canada","afterPostBody":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":true,"htmlTitle":"Filmmakers: Capture Footage of the Location Before the Shoot!","audienceAccess":"PUBLIC","postSummary":"<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/wBUF51XXhU0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n","postBody":"<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/wBUF51XXhU0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<!--more--> \n<p><strong><br>Colby Spencer</strong>: For someone who is an indie filmmaker or doing a small project, what are some things that you wish you could tell them that they can learn from this episode?</p> \n<p><strong>Mike Groner</strong>: I would say probably the most important thing – and I try to hit this home with every filmmaker – when you’re going to film at a location, whether it is someone’s home or a studio, or you’ve rented a diner, have two or three people on your crew walk around with their cell phones and film every inch of that location. Capture every “before” version of that home or location before the rest of the cast/crew or any equipment enters into that location.</p> \n<p>The reason being is: every homeowner is going to come back to their home after you’re doing using it for a film and they’re going to see a little scratch on the kitchen counter, they’re going to see a paint chip in the bedroom, they’re going to see a little nick on the floor, and they’re going to blame the production. And the only tool you have to counter that would be the “before” photos.</p> \n<p><strong>Colby</strong>: Yeah, like a car rental, same thing, right? When you come back, it’s on you, so you better note it before.</p> \n<p><strong>Mike</strong>: But it’s even more extreme when a homeowner comes back to their home and maybe doesn’t remember that their kid may have made that hole behind the door but all they see is, “I don’t remember it there. I want everything back the way it was, you know, 30 years ago when we bought the home.”</p> \n<p><strong>Colby</strong>: This is my chance to get a renovation! Well, and a lot of people think, film has deep pockets, so it’s like “I’ll just complain and I’ll get something.” But this [usually] isn’t <a href=\"https://en.wikipedia.org/wiki/The_X-Files\" rel=\"nofollow noopener\"><em>The X-Files</em></a>, this is like some UBC students who came in and shot a short.</p> \n<p><strong>Mike</strong>: I had a funny one maybe four to five years ago where a homeowner claimed that their floors were damaged by the production, which technically they were, but maybe only two or three panels of the wood floors that were damaged.</p> \n<p>So, there is this meeting between the homeowners, the claims adjuster (who works for the insurance company) and the contractor who would be repairing or replacing the floors. They brought it to the attention of the adjuster that the particular floors that were being used in this home are no longer made and they more or less proved to the adjuster that in order to make this homeowner whole, they’re going to have to replace the entire bottom floor of this home with a new floor. Not that unusual, especially in an older home, you’re not going to be able to find that particular floor anymore, especially if it’s real wood.</p> \n<p>But during this discussion, all of a sudden, the teenage son of the homeowners comes in with an entire box of the flooring and says, “Hey guys, guess what, I found all the extra flooring from when the floors were done!” So, what was probably going to be a $30,000 claim (the homeowners were going to get new flooring, they were going to get to pick out the colour, etc.) turned out to be about $300 in labor and wasn’t even an insurance claim at the end.</p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">film production insurance here</a>.</p> \n<p>&nbsp;</p> \n<p><strong>Related</strong>:</p> \n<ul> \n <li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</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/how-to-call-a-wrap-on-top-film-insurance-claims\" rel=\"noopener\">How To Call A Wrap On Top Film Insurance Claims</a></li> \n <li><a href=\"/articles/third-party-property-damage-liability\" rel=\"noopener\">Third Party Property Damage Coverage Explained</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></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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Capture every “before” version of that home or location before the rest of the cast/crew or any equipment enters into that location.</p> \n<p>The reason being is: every homeowner is going to come back to their home after you’re doing using it for a film and they’re going to see a little scratch on the kitchen counter, they’re going to see a paint chip in the bedroom, they’re going to see a little nick on the floor, and they’re going to blame the production. And the only tool you have to counter that would be the “before” photos.</p> \n<p><strong>Colby</strong>: Yeah, like a car rental, same thing, right? When you come back, it’s on you, so you better note it before.</p> \n<p><strong>Mike</strong>: But it’s even more extreme when a homeowner comes back to their home and maybe doesn’t remember that their kid may have made that hole behind the door but all they see is, “I don’t remember it there. I want everything back the way it was, you know, 30 years ago when we bought the home.”</p> \n<p><strong>Colby</strong>: This is my chance to get a renovation! Well, and a lot of people think, film has deep pockets, so it’s like “I’ll just complain and I’ll get something.” But this [usually] isn’t <a href=\"https://en.wikipedia.org/wiki/The_X-Files\" rel=\"nofollow noopener\"><em>The X-Files</em></a>, this is like some UBC students who came in and shot a short.</p> \n<p><strong>Mike</strong>: I had a funny one maybe four to five years ago where a homeowner claimed that their floors were damaged by the production, which technically they were, but maybe only two or three panels of the wood floors that were damaged.</p> \n<p>So, there is this meeting between the homeowners, the claims adjuster (who works for the insurance company) and the contractor who would be repairing or replacing the floors. They brought it to the attention of the adjuster that the particular floors that were being used in this home are no longer made and they more or less proved to the adjuster that in order to make this homeowner whole, they’re going to have to replace the entire bottom floor of this home with a new floor. Not that unusual, especially in an older home, you’re not going to be able to find that particular floor anymore, especially if it’s real wood.</p> \n<p>But during this discussion, all of a sudden, the teenage son of the homeowners comes in with an entire box of the flooring and says, “Hey guys, guess what, I found all the extra flooring from when the floors were done!” So, what was probably going to be a $30,000 claim (the homeowners were going to get new flooring, they were going to get to pick out the colour, etc.) turned out to be about $300 in labor and wasn’t even an insurance claim at the end.</p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">film production insurance here</a>.</p> \n<p>&nbsp;</p> \n<p><strong>Related</strong>:</p> \n<ul> \n <li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</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/how-to-call-a-wrap-on-top-film-insurance-claims\" rel=\"noopener\">How To Call A Wrap On Top Film Insurance Claims</a></li> \n <li><a href=\"/articles/third-party-property-damage-liability\" rel=\"noopener\">Third Party Property Damage Coverage Explained</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></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>","postSummaryRss":"<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/wBUF51XXhU0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe> \n </div> \n</div>","postBodyRss":"<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/wBUF51XXhU0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<!--more--> \n<p><strong><br>Colby Spencer</strong>: For someone who is an indie filmmaker or doing a small project, what are some things that you wish you could tell them that they can learn from this episode?</p> \n<p><strong>Mike Groner</strong>: I would say probably the most important thing – and I try to hit this home with every filmmaker – when you’re going to film at a location, whether it is someone’s home or a studio, or you’ve rented a diner, have two or three people on your crew walk around with their cell phones and film every inch of that location. Capture every “before” version of that home or location before the rest of the cast/crew or any equipment enters into that location.</p> \n<p>The reason being is: every homeowner is going to come back to their home after you’re doing using it for a film and they’re going to see a little scratch on the kitchen counter, they’re going to see a paint chip in the bedroom, they’re going to see a little nick on the floor, and they’re going to blame the production. And the only tool you have to counter that would be the “before” photos.</p> \n<p><strong>Colby</strong>: Yeah, like a car rental, same thing, right? When you come back, it’s on you, so you better note it before.</p> \n<p><strong>Mike</strong>: But it’s even more extreme when a homeowner comes back to their home and maybe doesn’t remember that their kid may have made that hole behind the door but all they see is, “I don’t remember it there. I want everything back the way it was, you know, 30 years ago when we bought the home.”</p> \n<p><strong>Colby</strong>: This is my chance to get a renovation! Well, and a lot of people think, film has deep pockets, so it’s like “I’ll just complain and I’ll get something.” But this [usually] isn’t <a href=\"https://en.wikipedia.org/wiki/The_X-Files\" rel=\"nofollow noopener\"><em>The X-Files</em></a>, this is like some UBC students who came in and shot a short.</p> \n<p><strong>Mike</strong>: I had a funny one maybe four to five years ago where a homeowner claimed that their floors were damaged by the production, which technically they were, but maybe only two or three panels of the wood floors that were damaged.</p> \n<p>So, there is this meeting between the homeowners, the claims adjuster (who works for the insurance company) and the contractor who would be repairing or replacing the floors. They brought it to the attention of the adjuster that the particular floors that were being used in this home are no longer made and they more or less proved to the adjuster that in order to make this homeowner whole, they’re going to have to replace the entire bottom floor of this home with a new floor. Not that unusual, especially in an older home, you’re not going to be able to find that particular floor anymore, especially if it’s real wood.</p> \n<p>But during this discussion, all of a sudden, the teenage son of the homeowners comes in with an entire box of the flooring and says, “Hey guys, guess what, I found all the extra flooring from when the floors were done!” So, what was probably going to be a $30,000 claim (the homeowners were going to get new flooring, they were going to get to pick out the colour, etc.) turned out to be about $300 in labor and wasn’t even an insurance claim at the end.</p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">film production insurance here</a>.</p> \n<p>&nbsp;</p> \n<p><strong>Related</strong>:</p> \n<ul> \n <li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</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/how-to-call-a-wrap-on-top-film-insurance-claims\" rel=\"noopener\">How To Call A Wrap On Top Film Insurance Claims</a></li> \n <li><a href=\"/articles/third-party-property-damage-liability\" rel=\"noopener\">Third Party Property Damage Coverage Explained</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></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>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Podcasts/Civil-authority-600x600.jpg","tagIds":[949708709,949708904,949708959,4250588352],"tagNames":["Short film insurance","Film production","Film insurance claims","Third party property damage"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1693489828629},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<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/wBUF51XXhU0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<!--more--> \n<p><strong><br>Colby Spencer</strong>: For someone who is an indie filmmaker or doing a small project, what are some things that you wish you could tell them that they can learn from this episode?</p> \n<p><strong>Mike Groner</strong>: I would say probably the most important thing – and I try to hit this home with every filmmaker – when you’re going to film at a location, whether it is someone’s home or a studio, or you’ve rented a diner, have two or three people on your crew walk around with their cell phones and film every inch of that location. Capture every “before” version of that home or location before the rest of the cast/crew or any equipment enters into that location.</p> \n<p>The reason being is: every homeowner is going to come back to their home after you’re doing using it for a film and they’re going to see a little scratch on the kitchen counter, they’re going to see a paint chip in the bedroom, they’re going to see a little nick on the floor, and they’re going to blame the production. And the only tool you have to counter that would be the “before” photos.</p> \n<p><strong>Colby</strong>: Yeah, like a car rental, same thing, right? When you come back, it’s on you, so you better note it before.</p> \n<p><strong>Mike</strong>: But it’s even more extreme when a homeowner comes back to their home and maybe doesn’t remember that their kid may have made that hole behind the door but all they see is, “I don’t remember it there. I want everything back the way it was, you know, 30 years ago when we bought the home.”</p> \n<p><strong>Colby</strong>: This is my chance to get a renovation! Well, and a lot of people think, film has deep pockets, so it’s like “I’ll just complain and I’ll get something.” But this [usually] isn’t <a href=\"https://en.wikipedia.org/wiki/The_X-Files\" rel=\"nofollow noopener\"><em>The X-Files</em></a>, this is like some UBC students who came in and shot a short.</p> \n<p><strong>Mike</strong>: I had a funny one maybe four to five years ago where a homeowner claimed that their floors were damaged by the production, which technically they were, but maybe only two or three panels of the wood floors that were damaged.</p> \n<p>So, there is this meeting between the homeowners, the claims adjuster (who works for the insurance company) and the contractor who would be repairing or replacing the floors. 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Not that unusual, especially in an older home, you’re not going to be able to find that particular floor anymore, especially if it’s real wood.</p> \n<p>But during this discussion, all of a sudden, the teenage son of the homeowners comes in with an entire box of the flooring and says, “Hey guys, guess what, I found all the extra flooring from when the floors were done!” So, what was probably going to be a $30,000 claim (the homeowners were going to get new flooring, they were going to get to pick out the colour, etc.) turned out to be about $300 in labor and wasn’t even an insurance claim at the end.</p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">film production insurance here</a>.</p> \n<p>&nbsp;</p> \n<p><strong>Related</strong>:</p> \n<ul> \n <li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</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/how-to-call-a-wrap-on-top-film-insurance-claims\" rel=\"noopener\">How To Call A Wrap On Top Film Insurance Claims</a></li> \n <li><a href=\"/articles/third-party-property-damage-liability\" rel=\"noopener\">Third Party Property Damage Coverage Explained</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></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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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/wBUF51XXhU0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n","post_body":"<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/wBUF51XXhU0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<!--more--> \n<p><strong><br>Colby Spencer</strong>: For someone who is an indie filmmaker or doing a small project, what are some things that you wish you could tell them that they can learn from this episode?</p> \n<p><strong>Mike Groner</strong>: I would say probably the most important thing – and I try to hit this home with every filmmaker – when you’re going to film at a location, whether it is someone’s home or a studio, or you’ve rented a diner, have two or three people on your crew walk around with their cell phones and film every inch of that location. Capture every “before” version of that home or location before the rest of the cast/crew or any equipment enters into that location.</p> \n<p>The reason being is: every homeowner is going to come back to their home after you’re doing using it for a film and they’re going to see a little scratch on the kitchen counter, they’re going to see a paint chip in the bedroom, they’re going to see a little nick on the floor, and they’re going to blame the production. And the only tool you have to counter that would be the “before” photos.</p> \n<p><strong>Colby</strong>: Yeah, like a car rental, same thing, right? When you come back, it’s on you, so you better note it before.</p> \n<p><strong>Mike</strong>: But it’s even more extreme when a homeowner comes back to their home and maybe doesn’t remember that their kid may have made that hole behind the door but all they see is, “I don’t remember it there. I want everything back the way it was, you know, 30 years ago when we bought the home.”</p> \n<p><strong>Colby</strong>: This is my chance to get a renovation! Well, and a lot of people think, film has deep pockets, so it’s like “I’ll just complain and I’ll get something.” But this [usually] isn’t <a href=\"https://en.wikipedia.org/wiki/The_X-Files\" rel=\"nofollow noopener\"><em>The X-Files</em></a>, this is like some UBC students who came in and shot a short.</p> \n<p><strong>Mike</strong>: I had a funny one maybe four to five years ago where a homeowner claimed that their floors were damaged by the production, which technically they were, but maybe only two or three panels of the wood floors that were damaged.</p> \n<p>So, there is this meeting between the homeowners, the claims adjuster (who works for the insurance company) and the contractor who would be repairing or replacing the floors. They brought it to the attention of the adjuster that the particular floors that were being used in this home are no longer made and they more or less proved to the adjuster that in order to make this homeowner whole, they’re going to have to replace the entire bottom floor of this home with a new floor. Not that unusual, especially in an older home, you’re not going to be able to find that particular floor anymore, especially if it’s real wood.</p> \n<p>But during this discussion, all of a sudden, the teenage son of the homeowners comes in with an entire box of the flooring and says, “Hey guys, guess what, I found all the extra flooring from when the floors were done!” So, what was probably going to be a $30,000 claim (the homeowners were going to get new flooring, they were going to get to pick out the colour, etc.) turned out to be about $300 in labor and wasn’t even an insurance claim at the end.</p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">film production insurance here</a>.</p> \n<p>&nbsp;</p> \n<p><strong>Related</strong>:</p> \n<ul> \n <li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</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/how-to-call-a-wrap-on-top-film-insurance-claims\" rel=\"noopener\">How To Call A Wrap On Top Film Insurance Claims</a></li> \n <li><a href=\"/articles/third-party-property-damage-liability\" rel=\"noopener\">Third Party Property Damage Coverage Explained</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></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>","rss_summary":"<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/wBUF51XXhU0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n","rss_body":"<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/wBUF51XXhU0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div> \n<!--more--> \n<p><strong><br>Colby Spencer</strong>: For someone who is an indie filmmaker or doing a small project, what are some things that you wish you could tell them that they can learn from this episode?</p> \n<p><strong>Mike Groner</strong>: I would say probably the most important thing – and I try to hit this home with every filmmaker – when you’re going to film at a location, whether it is someone’s home or a studio, or you’ve rented a diner, have two or three people on your crew walk around with their cell phones and film every inch of that location. Capture every “before” version of that home or location before the rest of the cast/crew or any equipment enters into that location.</p> \n<p>The reason being is: every homeowner is going to come back to their home after you’re doing using it for a film and they’re going to see a little scratch on the kitchen counter, they’re going to see a paint chip in the bedroom, they’re going to see a little nick on the floor, and they’re going to blame the production. And the only tool you have to counter that would be the “before” photos.</p> \n<p><strong>Colby</strong>: Yeah, like a car rental, same thing, right? When you come back, it’s on you, so you better note it before.</p> \n<p><strong>Mike</strong>: But it’s even more extreme when a homeowner comes back to their home and maybe doesn’t remember that their kid may have made that hole behind the door but all they see is, “I don’t remember it there. I want everything back the way it was, you know, 30 years ago when we bought the home.”</p> \n<p><strong>Colby</strong>: This is my chance to get a renovation! Well, and a lot of people think, film has deep pockets, so it’s like “I’ll just complain and I’ll get something.” But this [usually] isn’t <a href=\"https://en.wikipedia.org/wiki/The_X-Files\" rel=\"nofollow noopener\"><em>The X-Files</em></a>, this is like some UBC students who came in and shot a short.</p> \n<p><strong>Mike</strong>: I had a funny one maybe four to five years ago where a homeowner claimed that their floors were damaged by the production, which technically they were, but maybe only two or three panels of the wood floors that were damaged.</p> \n<p>So, there is this meeting between the homeowners, the claims adjuster (who works for the insurance company) and the contractor who would be repairing or replacing the floors. They brought it to the attention of the adjuster that the particular floors that were being used in this home are no longer made and they more or less proved to the adjuster that in order to make this homeowner whole, they’re going to have to replace the entire bottom floor of this home with a new floor. Not that unusual, especially in an older home, you’re not going to be able to find that particular floor anymore, especially if it’s real wood.</p> \n<p>But during this discussion, all of a sudden, the teenage son of the homeowners comes in with an entire box of the flooring and says, “Hey guys, guess what, I found all the extra flooring from when the floors were done!” So, what was probably going to be a $30,000 claim (the homeowners were going to get new flooring, they were going to get to pick out the colour, etc.) turned out to be about $300 in labor and wasn’t even an insurance claim at the end.</p> \n<p>&nbsp;</p> \n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">film production insurance here</a>.</p> \n<p>&nbsp;</p> \n<p><strong>Related</strong>:</p> \n<ul> \n <li><a href=\"/michael-groner\" rel=\"noopener\">Mike Groner Bio</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/how-to-call-a-wrap-on-top-film-insurance-claims\" rel=\"noopener\">How To Call A Wrap On Top Film Insurance Claims</a></li> \n <li><a href=\"/articles/third-party-property-damage-liability\" rel=\"noopener\">Third Party Property Damage Coverage Explained</a></li> \n</ul> \n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></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>","use_featured_image":true,"tag_ids":[949708709,949708904,949708959,4250588352],"topic_ids":[949708709,949708904,949708959,4250588352],"enable_google_amp_output_override":false,"generate_json_ld_enabled":true,"blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE","blog_publish_instant_email_task_uid":"DONE","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":null,"keywords":[],"composition_id":0,"header":null,"password":null,"published_at":1693489828629,"layout_sections":{},"past_mab_experiment_ids":[],"meta_description":"When you’re going to film at a location, whether it is someone’s home or a studio, or you’ve rented a diner, have two or three people on your crew walk...","meta_keywords":null,"featured_image_width":600,"featured_image_height":600,"publish_timezone_offset":null,"theme_settings_values":null,"featured_image_alt_text":"Vantropolis podcast: Filmmakers, Capture Footage of the Location","enable_layout_stylesheets":null,"tweet":null,"tweet_at":null,"campaign_name":null,"campaign_utm":null,"tweet_immediately":false,"publish_immediately":true,"security_state":"NONE","scheduled_update_date":0,"placement_guids":[],"property_for_dynamic_page_title":null,"property_for_dynamic_page_slug":null,"property_for_dynamic_page_meta_description":null,"property_for_dynamic_page_featured_image":null,"property_for_dynamic_page_canonical_url":null,"preview_image_src":null,"legacy_blog_tabid":null,"legacy_post_guid":null,"performable_variation_letter":null,"style_override_id":null,"has_user_changes":true,"css":{},"css_text":"","unpublished_at":1693489817731,"published_by_id":7915797,"allowed_slug_conflict":false,"link_rel_canonical_url":null,"page_redirected":false,"page_expiry_enabled":null,"page_expiry_date":null,"page_expiry_redirect_id":null,"page_expiry_redirect_url":null,"deleted_by":null,"state_when_deleted":null,"cloned_from":null,"staged_from":null,"personas":[],"compose_body":null,"featured_image":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Podcasts/Civil-authority-600x600.jpg","head_html":"<!-- START - 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However, the intent of all of these polices remains the same: a cyber insurance policy is an insurance product used to protect your business from data breaches on computer system(s), potentially exposing client information.</p>\n<p></p>\n<h2>WHAT DOES A <a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\">CYBER LIABILITY INSURANCE</a> POLICY&nbsp;COVER?&nbsp;</h2>\n<ul style=\"list-style-type: disc;\">\n<li><strong style=\"background-color: transparent;\">Comprehensive Cyber Liability</strong><span style=\"background-color: transparent;\">: Combines third-party (your customers/clients) cyber liability and first-party (you and your business) cyber crime expense coverage.</span></li>\n<li><strong style=\"background-color: transparent;\">Digital Data Recovery Costs:</strong><span style=\"background-color: transparent;\"><span>&nbsp;</span>Covers destruction or loss of digital data resulting from a criminal&nbsp; cyber event.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Business Interruption:</strong><span>&nbsp;</span>Continuing normal operating &amp; payroll expenses, and net profit before income tax that would have been earned had no interruption in service of the computer system occurred.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Extortion &amp; Ransomware:</strong><span>&nbsp;</span>Provides coverage for costs associated with payments to those who threaten to disclose sensitive information.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Forensic Investigation:</strong><span>&nbsp;</span>Covers the legal, technical and forensic services necessary to assess the cause and scope of the cyber incident.</span></li>\n<li>\n<p><strong>Cyber Incident Response Expenses</strong></p>\n</li>\n</ul>\n<h2 class=\"speakabletext\">What does Cyber insurance cost?</h2>\n<p class=\"speakabletext\">Starting from just $300 CAD annually (pricing subject to change), with limit options up to $1,000,000.</p>\n<p>While the most prominent cases report have been attacks against large companies such as Target, Sony and Home Depot; in fact, 43% of attacks are occurring against small businesses. Of the small businesses attacked, 60% never recover after a hack and go out of business within 6 months because of a lack of cyber security<strong>. </strong></p>\n\n<p><a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\">Front Row Insurance’s&nbsp;<em>Hackinsure</em></a> provides protection against a range of online hazards – peace of mind is available online in five minutes.</p>\n<h2>WHAT ARE SOME WAYS TO SAFEGUARD AGAINST A CYBER ATTACK?</h2>\n<p>Now more than ever, it’s important you protect yourself in every possible way. Here are a few tips we share with all of our clients:</p>\n<ul style=\"list-style-type: circle;\">\n<li><strong>Develop a <a href=\"/articles/your-small-business-is-not-too-small-to-be-hacked-password-security\" rel=\" noopener\">password strategy</a>:</strong> Using the same password across many devices and accounts is the easiest way to compromise security. Once a hacker gets their hands on a password, they can use it to compromise employee information as well as customer data, turning a single password breach into millions in damage.</li>\n<li><strong>Avoid collecting or storing payment information</strong>:&nbsp;Outsource payment processing and avoid collecting customer payment information such as credit card info on your own. Dedicated security staff have the resources and tools to protect data better than you can.</li>\n<li><strong>Educate your employees</strong>: It may seem like common sense, but it’s not always. Develop a written policy about security &amp; privacy and make sure employees are on board and understand their responsibility to protect confidential data. <a href=\"/articles/cyber-crime-insurance-for-non-profits\" rel=\" noopener\">No business is “too small” for a hacker</a>; the more prepared you are, the less at-risk you are.\n<ul style=\"list-style-type: circle;\">\n<li>Download our <strong>FREE eBook</strong> to give to your employees: <a href=\"/cyber-insurance-101\" rel=\" noopener\"><em>Cyber insurance 101 / how to protect your computer systems</em></a></li>\n</ul>\n</li>\n<li><strong>And, of course, purchase <a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\">Cyber Liability Insurance</a>: </strong><span style=\"font-style: italic;\">90% of small businesses do not currently have </span><a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\" style=\"font-style: italic;\">cyber insurance</a><span style=\"font-style: italic;\">!&nbsp;</span>You need to know that your business will be protected against any security breaches. Our new product provides this protection. You can get insured online in just a couple of minutes:</li>\n</ul>\n<p><strong style=\"background-color: transparent;\"><br></strong></p>\n<p style=\"font-size: 13px;\"><em><strong style=\"background-color: transparent;\">About:&nbsp;</strong><span style=\"background-color: transparent;\">Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for the lowest possible cost in addition to arranging custom policies for the entertainment industry. Should a claim occur, Front Row ensures that their clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal,&nbsp; Halifax, Los Angeles, New York, Nashville.</span></em></p>\n<h3><br>Related:</h3>\n<p><a href=\"/cyber-insurance-101\" rel=\" noopener\"><strong>EBOOK</strong>: CYBER INSURANCE 101 / CYBER LIABILITY INSURANCE / CYBERSECURITY INSURANCE CANADA / HOW TO PROTECT YOUR COMPUTER SYSTEMS</a></p>\n<p>ONLINE CYBER INSURANCE FOR CANADIAN SMALL BUSINESSES</p>\n<p><a href=\"/articles/cyber-security-insurance\" rel=\" noopener\">CYBER SECURITY INSURANCE</a></p>\n<p><a href=\"/articles/hack-insurance-its-not-just-for-big-businesses\" rel=\" noopener\">HACK INSURANCE: IT'S NOT JUST FOR BIG BUSINESSES</a></p>\n<p><a href=\"/articles/is-your-business-prepared-for-the-consequences-of-a-cyber-attack\" rel=\" noopener\">IS YOUR BUSINESS PREPARED FOR THE CONSEQUENCES OF A CYBER ATTACK?</a></p>\n<p><a href=\"/articles/4-ways-to-prevent-cyber-attacks-in-the-creative-industry\" rel=\" noopener\">4 WAYS TO PREVENT CYBER ATTACKS IN THE CREATIVE INDUSTRY</a></p>\n<p><a href=\"/articles/cyber-crime-insurance-for-non-profits\" rel=\" noopener\">CYBER CRIME INSURANCE FOR NON-PROFITS</a></p>\n<p><a href=\"/articles/if-you-are-a-graphic-designer-yes-you-need-hack-insurance\" rel=\" noopener\">IF YOU ARE A GRAPHIC DESIGNER, YES, YOU NEED HACK INSURANCE</a></p>\n<p><a href=\"/articles/photographers-cyber-insurance-brandjacked\" rel=\" noopener\">IF YOU ARE A PHOTOGRAPHER, YES, YOU NEED HACK INSURANCE</a></p>\n<p><a href=\"/articles/filmmakers-are-you-prepared-with-cyber-insurance-if-you-get-hacked\" rel=\" noopener\">IF YOU ARE A FILMMAKER/FILM PRODUCER/HAVE A PRODUCTION COMPANY, YES, YOU NEED HACK INSURANCE</a></p>\n<p><a href=\"/articles/theatre-company-and-patrons-cyber-insurance\" rel=\" noopener\">IF YOU ARE A THEATRE PRODUCER, YES, YOU NEED HACK INSURANCE</a></p>\n<p><a href=\"/instrument-insurance-blog/musicians-protect-your-music-studio-with-cyber-insurance\" rel=\" noopener\">IF YOU ARE A MUSICIAN, YES, YOU NEED CYBER INSURANCE</a></p>\n<p><a href=\"/articles/real-estate-agents-one-mistake-could-cost-your-client-their-life-savings\" rel=\" noopener\">IF YOU ARE A REAL ESTATE AGENT/WORK IN REAL ESTATE, YES, YOU NEED HACK INSURANCE</a></p>\n<p><a href=\"/articles/gyms-personal-trainers-are-you-prepared-with-cyber-insurance\" rel=\" noopener\">IF YOU ARE A PERSONAL TRAINER, YES, YOU NEED HACK INSURANCE</a></p>\n<p><a href=\"/articles/salon-owners-dont-let-ransomware-destroy-your-business\" rel=\" noopener\">IF YOU ARE A HAIR/NAIL/BEAUTY SALON MANAGER OR EMPLOYEE, YOU NEED CYBER INSURANCE</a></p>\n<p><a href=\"/articles/if-youre-hit-with-ransomware-youll-want-cyber-insurance\" rel=\" noopener\">RANSOMWARE INSURANCE</a></p>\n<p><a href=\"/articles/your-small-business-is-not-too-small-to-be-hacked-password-security\" rel=\" noopener\">PASSWORD PROTECTION &amp; MANAGEMENT</a></p>\n<p><a href=\"/articles/new-mandatory-data-breach-law\" rel=\" noopener\">MANDATORY DATA BREACH LAW</a></p>\n<p><a href=\"/articles/blog/office-contents-insurance\" rel=\" noopener\">OFFICE CONTENTS INSURANCE AND THE NEED FOR CYBER INSURANCE</a></p>\n<p><a href=\"/articles/insurance-business-canada-interviews-front-row-insurance\" rel=\" noopener\">FRONT ROW INSURANCE OFFERS SOLUTION TO SMALL BUSINESS CYBER CONUNDRUM</a></p>\n<p><a href=\"/articles/transfer-cyber-risk-to-cyber-attack-insurance\" rel=\" noopener\">TRANSFER CYBER RISK TO CYBER ATTACK INSURANCE</a></p>"},"id":"post_body","name":"post_body","type":"rich_text","label":"Blog Content","deleted_at":1606402510284},"module_150585064696231":{"css":{},"child_css":{},"name":"module_150585064696231","type":"space","order":4,"label":"Horizontal Spacer","smart_type":null,"id":"module_150585064696231","body":{"per_widget_wrapper_html":"","wrapping_html":"","tag":"space","type":"space"},"deleted_at":1562697811918},"module_150585066919533":{"css":{},"child_css":{},"name":"module_150585066919533","type":"space","order":6,"label":"Horizontal 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Location","nextPostSlug":"articles/injuries-to-actors-could-be-covered-under-cast-production-insurance","nextPostName":"Injuries to Actors Could be Covered Under Cast Production Insurance","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Podcasts/actor-leg-break-shutterstock_1945028713-forweb600.jpg","nextPostFeaturedImageAltText":"Injured actor: Cast Insurance claims","afterPostBody":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":true,"htmlTitle":"Cyber Insurance for Canadian Small Businesses | Cyber Insurance Canada","audienceAccess":"PUBLIC","postSummary":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>\n","postBody":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>\n<!--more-->\n<h2 class=\"speakabletext\" style=\"text-align: left;\">What is cyber insurance? (Canada)</h2>\n<p class=\"speakabletext\" style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Cyber liability insurance</a> goes by many names these days: cyber insurance; cybersecurity insurance, cyber risk, hack insurance and others. However, the intent of all of these polices remains the same: a cyber policy is an insurance product used to protect your business from data breaches on computer system(s), potentially exposing client information.</p>\n<h3 style=\"text-align: left;\">What does <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a> cover?</h3>\n<ul style=\"list-style-type: disc; text-align: left;\">\n<li><strong style=\"background-color: transparent;\">Comprehensive Cyber Liability</strong><span style=\"background-color: transparent;\">: Combines third-party (your customers/clients) cyber liability and first-party (you and your business) cyber crime expense coverage.</span></li>\n<li><strong style=\"background-color: transparent;\">Digital Data Recovery Costs:</strong><span style=\"background-color: transparent;\"><span>&nbsp;</span>Covers destruction or loss of digital data resulting from a criminal cyber event.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Business Interruption:</strong><span>&nbsp;</span>Continuing normal operating &amp; payroll expenses, and net profit before income tax that would have been earned had no interruption in service of the computer system occurred.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Extortion &amp; <a href=\"/articles/if-youre-hit-with-ransomware-youll-want-cyber-insurance\" rel=\"noopener\">Ransomware</a>:</strong><span>&nbsp;</span>Provides coverage for costs associated with payments to those who threaten to disclose sensitive information.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Forensic Investigation:</strong><span>&nbsp;</span>Covers the legal, technical and forensic services necessary to assess the cause and scope of the cyber incident.</span></li>\n<li><strong>Cyber Incident Response Expenses</strong></li>\n</ul>\n<p style=\"text-align: left;\">While the most prominent cases reported have been attacks against large companies such as Target, Sony and Home Depot; in fact, at least 43% of cyber attacks occur against small businesses. Of the small businesses attacked, 60% never recover after a hack and go out of business within 6 months because of a lack of cybersecurity<strong>.</strong></p>\n<p style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Front Row Insurance’s cyber insurance</a>&nbsp;provides protection against a range of online hazards.</p>\n<h3 style=\"text-align: left;\">How to safeguard against a cyber attack?</h3>\n<p style=\"text-align: left;\">Now more than ever, it’s important you protect yourself in every possible way. Here are a few tips we share with all of our clients:</p>\n<ul style=\"list-style-type: circle; text-align: left;\">\n<li><strong>Develop a password strategy:</strong> Using the same password across many devices and accounts is the easiest way to compromise security. Once a hacker gets their hands on a password, they can use it to compromise employee information as well as customer data, turning a single password breach into millions in damage.<br><br></li>\n<li><strong>Avoid collecting or storing payment information</strong>: Outsource payment processing and avoid collecting customer payment information such as credit card info on your own. Dedicated security staff have the resources and tools to protect data better than you can.<br><br></li>\n<li><strong>Educate your employees</strong>: It may seem like common sense, but it’s not always. Develop a written policy about security &amp; privacy and make sure employees are on board and understand their responsibility to protect confidential data. No business is “too small” for a hacker; the more prepared you are, the less at-risk you are.<br><br></li>\n<li><strong>And, of course, purchase <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a>: </strong><span style=\"font-style: italic;\">90% of small businesses do not currently have </span>cyber insurance<span style=\"font-style: italic;\">!&nbsp;</span>You need to know that your business will be protected against any security breaches.</li>\n</ul>\n<p style=\"font-size: 13px; text-align: left;\"><em><strong style=\"background-color: transparent;\"><br>About:&nbsp;</strong><span style=\"background-color: transparent;\">Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for a low cost in addition to arranging custom policies for the entertainment industry.</span></em><span style=\"background-color: transparent;\"></span><span style=\"background-color: transparent;\"></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px; text-align: left;\"><em><span style=\"background-color: transparent;\"><span id=\"hs_cos_wrapper_post_body\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\"></span><span></span></span></em></p>","rssSummary":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>\n","rssBody":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>\n<!--more-->\n<h2 class=\"speakabletext\" style=\"text-align: left;\">What is cyber insurance? (Canada)</h2>\n<p class=\"speakabletext\" style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Cyber liability insurance</a> goes by many names these days: cyber insurance; cybersecurity insurance, cyber risk, hack insurance and others. However, the intent of all of these polices remains the same: a cyber policy is an insurance product used to protect your business from data breaches on computer system(s), potentially exposing client information.</p>\n<h3 style=\"text-align: left;\">What does <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a> cover?</h3>\n<ul style=\"list-style-type: disc; text-align: left;\">\n<li><strong style=\"background-color: transparent;\">Comprehensive Cyber Liability</strong><span style=\"background-color: transparent;\">: Combines third-party (your customers/clients) cyber liability and first-party (you and your business) cyber crime expense coverage.</span></li>\n<li><strong style=\"background-color: transparent;\">Digital Data Recovery Costs:</strong><span style=\"background-color: transparent;\"><span>&nbsp;</span>Covers destruction or loss of digital data resulting from a criminal cyber event.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Business Interruption:</strong><span>&nbsp;</span>Continuing normal operating &amp; payroll expenses, and net profit before income tax that would have been earned had no interruption in service of the computer system occurred.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Extortion &amp; <a href=\"/articles/if-youre-hit-with-ransomware-youll-want-cyber-insurance\" rel=\"noopener\">Ransomware</a>:</strong><span>&nbsp;</span>Provides coverage for costs associated with payments to those who threaten to disclose sensitive information.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Forensic Investigation:</strong><span>&nbsp;</span>Covers the legal, technical and forensic services necessary to assess the cause and scope of the cyber incident.</span></li>\n<li><strong>Cyber Incident Response Expenses</strong></li>\n</ul>\n<p style=\"text-align: left;\">While the most prominent cases reported have been attacks against large companies such as Target, Sony and Home Depot; in fact, at least 43% of cyber attacks occur against small businesses. Of the small businesses attacked, 60% never recover after a hack and go out of business within 6 months because of a lack of cybersecurity<strong>.</strong></p>\n<p style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Front Row Insurance’s cyber insurance</a>&nbsp;provides protection against a range of online hazards.</p>\n<h3 style=\"text-align: left;\">How to safeguard against a cyber attack?</h3>\n<p style=\"text-align: left;\">Now more than ever, it’s important you protect yourself in every possible way. Here are a few tips we share with all of our clients:</p>\n<ul style=\"list-style-type: circle; text-align: left;\">\n<li><strong>Develop a password strategy:</strong> Using the same password across many devices and accounts is the easiest way to compromise security. Once a hacker gets their hands on a password, they can use it to compromise employee information as well as customer data, turning a single password breach into millions in damage.<br><br></li>\n<li><strong>Avoid collecting or storing payment information</strong>: Outsource payment processing and avoid collecting customer payment information such as credit card info on your own. Dedicated security staff have the resources and tools to protect data better than you can.<br><br></li>\n<li><strong>Educate your employees</strong>: It may seem like common sense, but it’s not always. Develop a written policy about security &amp; privacy and make sure employees are on board and understand their responsibility to protect confidential data. No business is “too small” for a hacker; the more prepared you are, the less at-risk you are.<br><br></li>\n<li><strong>And, of course, purchase <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a>: </strong><span style=\"font-style: italic;\">90% of small businesses do not currently have </span>cyber insurance<span style=\"font-style: italic;\">!&nbsp;</span>You need to know that your business will be protected against any security breaches.</li>\n</ul>\n<p style=\"font-size: 13px; text-align: left;\"><em><strong style=\"background-color: transparent;\"><br>About:&nbsp;</strong><span style=\"background-color: transparent;\">Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for a low cost in addition to arranging custom policies for the entertainment industry.</span></em><span style=\"background-color: transparent;\"></span><span style=\"background-color: transparent;\"></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px; text-align: left;\"><em><span style=\"background-color: transparent;\"><span id=\"hs_cos_wrapper_post_body\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\"></span><span></span></span></em></p>","postSummaryRss":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>","postBodyRss":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>\n<!--more-->\n<h2 class=\"speakabletext\" style=\"text-align: left;\">What is cyber insurance? (Canada)</h2>\n<p class=\"speakabletext\" style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Cyber liability insurance</a> goes by many names these days: cyber insurance; cybersecurity insurance, cyber risk, hack insurance and others. However, the intent of all of these polices remains the same: a cyber policy is an insurance product used to protect your business from data breaches on computer system(s), potentially exposing client information.</p>\n<h3 style=\"text-align: left;\">What does <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a> cover?</h3>\n<ul style=\"list-style-type: disc; text-align: left;\">\n<li><strong style=\"background-color: transparent;\">Comprehensive Cyber Liability</strong><span style=\"background-color: transparent;\">: Combines third-party (your customers/clients) cyber liability and first-party (you and your business) cyber crime expense coverage.</span></li>\n<li><strong style=\"background-color: transparent;\">Digital Data Recovery Costs:</strong><span style=\"background-color: transparent;\"><span>&nbsp;</span>Covers destruction or loss of digital data resulting from a criminal cyber event.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Business Interruption:</strong><span>&nbsp;</span>Continuing normal operating &amp; payroll expenses, and net profit before income tax that would have been earned had no interruption in service of the computer system occurred.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Extortion &amp; <a href=\"/articles/if-youre-hit-with-ransomware-youll-want-cyber-insurance\" rel=\"noopener\">Ransomware</a>:</strong><span>&nbsp;</span>Provides coverage for costs associated with payments to those who threaten to disclose sensitive information.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Forensic Investigation:</strong><span>&nbsp;</span>Covers the legal, technical and forensic services necessary to assess the cause and scope of the cyber incident.</span></li>\n<li><strong>Cyber Incident Response Expenses</strong></li>\n</ul>\n<p style=\"text-align: left;\">While the most prominent cases reported have been attacks against large companies such as Target, Sony and Home Depot; in fact, at least 43% of cyber attacks occur against small businesses. Of the small businesses attacked, 60% never recover after a hack and go out of business within 6 months because of a lack of cybersecurity<strong>.</strong></p>\n<p style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Front Row Insurance’s cyber insurance</a>&nbsp;provides protection against a range of online hazards.</p>\n<h3 style=\"text-align: left;\">How to safeguard against a cyber attack?</h3>\n<p style=\"text-align: left;\">Now more than ever, it’s important you protect yourself in every possible way. Here are a few tips we share with all of our clients:</p>\n<ul style=\"list-style-type: circle; text-align: left;\">\n<li><strong>Develop a password strategy:</strong> Using the same password across many devices and accounts is the easiest way to compromise security. Once a hacker gets their hands on a password, they can use it to compromise employee information as well as customer data, turning a single password breach into millions in damage.<br><br></li>\n<li><strong>Avoid collecting or storing payment information</strong>: Outsource payment processing and avoid collecting customer payment information such as credit card info on your own. Dedicated security staff have the resources and tools to protect data better than you can.<br><br></li>\n<li><strong>Educate your employees</strong>: It may seem like common sense, but it’s not always. Develop a written policy about security &amp; privacy and make sure employees are on board and understand their responsibility to protect confidential data. No business is “too small” for a hacker; the more prepared you are, the less at-risk you are.<br><br></li>\n<li><strong>And, of course, purchase <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a>: </strong><span style=\"font-style: italic;\">90% of small businesses do not currently have </span>cyber insurance<span style=\"font-style: italic;\">!&nbsp;</span>You need to know that your business will be protected against any security breaches.</li>\n</ul>\n<p style=\"font-size: 13px; text-align: left;\"><em><strong style=\"background-color: transparent;\"><br>About:&nbsp;</strong><span style=\"background-color: transparent;\">Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for a low cost in addition to arranging custom policies for the entertainment industry.</span></em><span style=\"background-color: transparent;\"></span><span style=\"background-color: transparent;\"></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px; text-align: left;\"><em><span style=\"background-color: transparent;\"><span id=\"hs_cos_wrapper_post_body\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\"></span><span></span></span></em></p>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/cyber%20law%20cropped-3.jpg","tagIds":[125625107734],"tagNames":["Cyber insurance"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1692286833000},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>\n<!--more-->\n<h2 class=\"speakabletext\" style=\"text-align: left;\">What is cyber insurance? (Canada)</h2>\n<p class=\"speakabletext\" style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Cyber liability insurance</a> goes by many names these days: cyber insurance; cybersecurity insurance, cyber risk, hack insurance and others. However, the intent of all of these polices remains the same: a cyber policy is an insurance product used to protect your business from data breaches on computer system(s), potentially exposing client information.</p>\n<h3 style=\"text-align: left;\">What does <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a> cover?</h3>\n<ul style=\"list-style-type: disc; text-align: left;\">\n<li><strong style=\"background-color: transparent;\">Comprehensive Cyber Liability</strong><span style=\"background-color: transparent;\">: Combines third-party (your customers/clients) cyber liability and first-party (you and your business) cyber crime expense coverage.</span></li>\n<li><strong style=\"background-color: transparent;\">Digital Data Recovery Costs:</strong><span style=\"background-color: transparent;\"><span>&nbsp;</span>Covers destruction or loss of digital data resulting from a criminal cyber event.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Business Interruption:</strong><span>&nbsp;</span>Continuing normal operating &amp; payroll expenses, and net profit before income tax that would have been earned had no interruption in service of the computer system occurred.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Extortion &amp; <a href=\"/articles/if-youre-hit-with-ransomware-youll-want-cyber-insurance\" rel=\"noopener\">Ransomware</a>:</strong><span>&nbsp;</span>Provides coverage for costs associated with payments to those who threaten to disclose sensitive information.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Forensic Investigation:</strong><span>&nbsp;</span>Covers the legal, technical and forensic services necessary to assess the cause and scope of the cyber incident.</span></li>\n<li><strong>Cyber Incident Response Expenses</strong></li>\n</ul>\n<p style=\"text-align: left;\">While the most prominent cases reported have been attacks against large companies such as Target, Sony and Home Depot; in fact, at least 43% of cyber attacks occur against small businesses. Of the small businesses attacked, 60% never recover after a hack and go out of business within 6 months because of a lack of cybersecurity<strong>.</strong></p>\n<p style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Front Row Insurance’s cyber insurance</a>&nbsp;provides protection against a range of online hazards.</p>\n<h3 style=\"text-align: left;\">How to safeguard against a cyber attack?</h3>\n<p style=\"text-align: left;\">Now more than ever, it’s important you protect yourself in every possible way. Here are a few tips we share with all of our clients:</p>\n<ul style=\"list-style-type: circle; text-align: left;\">\n<li><strong>Develop a password strategy:</strong> Using the same password across many devices and accounts is the easiest way to compromise security. Once a hacker gets their hands on a password, they can use it to compromise employee information as well as customer data, turning a single password breach into millions in damage.<br><br></li>\n<li><strong>Avoid collecting or storing payment information</strong>: Outsource payment processing and avoid collecting customer payment information such as credit card info on your own. Dedicated security staff have the resources and tools to protect data better than you can.<br><br></li>\n<li><strong>Educate your employees</strong>: It may seem like common sense, but it’s not always. Develop a written policy about security &amp; privacy and make sure employees are on board and understand their responsibility to protect confidential data. No business is “too small” for a hacker; the more prepared you are, the less at-risk you are.<br><br></li>\n<li><strong>And, of course, purchase <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a>: </strong><span style=\"font-style: italic;\">90% of small businesses do not currently have </span>cyber insurance<span style=\"font-style: italic;\">!&nbsp;</span>You need to know that your business will be protected against any security breaches.</li>\n</ul>\n<p style=\"font-size: 13px; text-align: left;\"><em><strong style=\"background-color: transparent;\"><br>About:&nbsp;</strong><span style=\"background-color: transparent;\">Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for a low cost in addition to arranging custom policies for the entertainment industry.</span></em><span style=\"background-color: transparent;\"></span><span style=\"background-color: transparent;\"></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px; text-align: left;\"><em><span style=\"background-color: transparent;\"><span id=\"hs_cos_wrapper_post_body\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\"></span><span></span></span></em></p>","postEmailContent":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>","postRssContent":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>","rssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/cyber%20law%20cropped-3.jpg","postListSummaryFeaturedImage":"","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/cyber%20law%20cropped-3.jpg","keywords":[],"isInstantEmailEnabled":true,"isSocialPublishingEnabled":false,"blogPostAuthor":{"portalId":61352,"id":955789852,"created":1401900992000,"updated":1401900992000,"deletedAt":0,"fullName":"Mike Groner","email":"mike@frontrowinsurance.com","userId":null,"username":"mike@frontrowinsurance.com","slug":"mike-groner","language":null,"translatedFromId":null,"name":"Mike Groner","translations":{},"displayName":"Mike Groner","twitterUsername":"","hasSocialProfiles":false,"twitter":"","facebook":"","linkedin":"","bio":"","website":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/252f68ce4ae6e0d7765943bde5ade8c9","cosObjectType":"BLOG_AUTHOR","label":"Mike Groner","cdnPurgeEmbargoTime":null},"postTemplate":"prox_frontrow/templates/blog/blog-post.html","topicIds":[125625107734],"topicList":[{"id":125625107734,"portalId":61352,"name":"Cyber insurance","slug":"cyber-insurance","description":"","created":1689864659973,"updated":1689864659973,"deletedAt":0,"categoryId":3,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Cyber insurance","cdnPurgeEmbargoTime":null}],"topicNames":["Cyber insurance"],"areCommentsAllowed":true,"isCaptchaRequired":true,"syncedWithBlogRoot":true,"compositionId":0,"publicAccessRulesEnabled":false,"publicAccessRules":[],"header":null,"password":null,"layoutSections":{},"pastMabExperimentIds":[],"ab":false,"mab":false,"featuredImageAltText":"Cyber Insurance for Canadian Small Businesses | Cyber Insurance Canada","publishDateLocalTime":1692286833000,"enableLayoutStylesheets":null,"tweet":null,"tweetAt":null,"campaignName":null,"campaignUtm":null,"pageTitle":"Cyber Insurance for Canadian Small Businesses | Cyber Insurance Canada","metaKeywords":null,"metaDescription":"Cyber Insurance Canada; Cybersecurity, Cyber Risk, Hack Insurance. If you are a Canadian small business, you need Cyber Liability Coverage. Front Row.","tweetImmediately":false,"publishImmediately":true,"securityState":"NONE","scheduledUpdateDate":0,"placementGuids":[],"propertyForDynamicPageTitle":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageCanonicalUrl":null,"previewImageSrc":null,"legacyBlogTabid":null,"legacyPostGuid":null,"performableVariationLetter":null,"styleOverrideId":null,"hasUserChanges":true,"css":{},"cssText":"","createdTime":1543431773540,"unpublishedAt":1611952226921,"archivedInDashboard":false,"authorUsername":null,"archivedAt":0,"publishedById":7915797,"allowedSlugConflict":false,"abVariation":false,"abVariationAutomated":false,"mabMaster":false,"mabVariant":false,"linkRelCanonicalUrl":"","publishedUrl":"https://www.frontrowinsurance.com/articles/online-cyber-insurance-for-canadian-small-businesses","pageRedirected":false,"pageExpiryEnabled":null,"pageExpiryDate":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"translatedContent":{},"deletedBy":null,"stateWhenDeleted":null,"clonedFrom":null,"stagedFrom":null,"personas":[],"composeBody":null,"featuredImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/cyber%20law%20cropped-3.jpg","featuredImageWidth":600,"featuredImageHeight":400,"publishTimezoneOffset":null,"themeSettingsValues":null,"isInstanceLayoutPage":false,"headHtml":"<script type=\"application/ld+json\"> {\n \"@context\":\"https://schema.org/\",\n \"@type\":\"WebPage\",\n \"name\":\"Front Row Cyber Insurance\",\n \"speakable\":{\n \"@type\":\"SpeakableSpecification\",\n \"cssSelector\":[\n \".speakabletext\"\n ]\n },\n \"url\":\"https://www.frontrowinsurance.com/articles/online-cyber-insurance-for-canadian-small-businesses\"\n}\n</script>","footerHtml":null,"attachedStylesheets":[],"enableDomainStylesheets":null,"includeDefaultCustomCss":null,"title":"Cyber Insurance for Canadian Small Businesses | Cyber Insurance Canada","publishedAt":1692287625841,"url":"https://www.frontrowinsurance.com/articles/online-cyber-insurance-for-canadian-small-businesses","author":null,"cdnPurgeEmbargoTime":null,"label":"Cyber Insurance for Canadian Small Businesses | Cyber Insurance Canada","currentState":"PUBLISHED","lastEditSessionId":null,"lastEditUpdateId":null,"contentTypeCategory":3,"analyticsPageType":"blog-post","currentlyPublished":true,"contentTypeCategoryId":3,"category":3,"isPublished":true,"topics":[125625107734],"meta":{"public_access_rules_enabled":false,"public_access_rules":[],"html_title":"Cyber Insurance for Canadian Small Businesses | Cyber Insurance Canada","post_summary":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>\n","post_body":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>\n<!--more-->\n<h2 class=\"speakabletext\" style=\"text-align: left;\">What is cyber insurance? (Canada)</h2>\n<p class=\"speakabletext\" style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Cyber liability insurance</a> goes by many names these days: cyber insurance; cybersecurity insurance, cyber risk, hack insurance and others. However, the intent of all of these polices remains the same: a cyber policy is an insurance product used to protect your business from data breaches on computer system(s), potentially exposing client information.</p>\n<h3 style=\"text-align: left;\">What does <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a> cover?</h3>\n<ul style=\"list-style-type: disc; text-align: left;\">\n<li><strong style=\"background-color: transparent;\">Comprehensive Cyber Liability</strong><span style=\"background-color: transparent;\">: Combines third-party (your customers/clients) cyber liability and first-party (you and your business) cyber crime expense coverage.</span></li>\n<li><strong style=\"background-color: transparent;\">Digital Data Recovery Costs:</strong><span style=\"background-color: transparent;\"><span>&nbsp;</span>Covers destruction or loss of digital data resulting from a criminal cyber event.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Business Interruption:</strong><span>&nbsp;</span>Continuing normal operating &amp; payroll expenses, and net profit before income tax that would have been earned had no interruption in service of the computer system occurred.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Extortion &amp; <a href=\"/articles/if-youre-hit-with-ransomware-youll-want-cyber-insurance\" rel=\"noopener\">Ransomware</a>:</strong><span>&nbsp;</span>Provides coverage for costs associated with payments to those who threaten to disclose sensitive information.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Forensic Investigation:</strong><span>&nbsp;</span>Covers the legal, technical and forensic services necessary to assess the cause and scope of the cyber incident.</span></li>\n<li><strong>Cyber Incident Response Expenses</strong></li>\n</ul>\n<p style=\"text-align: left;\">While the most prominent cases reported have been attacks against large companies such as Target, Sony and Home Depot; in fact, at least 43% of cyber attacks occur against small businesses. Of the small businesses attacked, 60% never recover after a hack and go out of business within 6 months because of a lack of cybersecurity<strong>.</strong></p>\n<p style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Front Row Insurance’s cyber insurance</a>&nbsp;provides protection against a range of online hazards.</p>\n<h3 style=\"text-align: left;\">How to safeguard against a cyber attack?</h3>\n<p style=\"text-align: left;\">Now more than ever, it’s important you protect yourself in every possible way. Here are a few tips we share with all of our clients:</p>\n<ul style=\"list-style-type: circle; text-align: left;\">\n<li><strong>Develop a password strategy:</strong> Using the same password across many devices and accounts is the easiest way to compromise security. Once a hacker gets their hands on a password, they can use it to compromise employee information as well as customer data, turning a single password breach into millions in damage.<br><br></li>\n<li><strong>Avoid collecting or storing payment information</strong>: Outsource payment processing and avoid collecting customer payment information such as credit card info on your own. Dedicated security staff have the resources and tools to protect data better than you can.<br><br></li>\n<li><strong>Educate your employees</strong>: It may seem like common sense, but it’s not always. Develop a written policy about security &amp; privacy and make sure employees are on board and understand their responsibility to protect confidential data. No business is “too small” for a hacker; the more prepared you are, the less at-risk you are.<br><br></li>\n<li><strong>And, of course, purchase <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a>: </strong><span style=\"font-style: italic;\">90% of small businesses do not currently have </span>cyber insurance<span style=\"font-style: italic;\">!&nbsp;</span>You need to know that your business will be protected against any security breaches.</li>\n</ul>\n<p style=\"font-size: 13px; text-align: left;\"><em><strong style=\"background-color: transparent;\"><br>About:&nbsp;</strong><span style=\"background-color: transparent;\">Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for a low cost in addition to arranging custom policies for the entertainment industry.</span></em><span style=\"background-color: transparent;\"></span><span style=\"background-color: transparent;\"></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px; text-align: left;\"><em><span style=\"background-color: transparent;\"><span id=\"hs_cos_wrapper_post_body\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\"></span><span></span></span></em></p>","rss_summary":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>\n","rss_body":"<p class=\"speakabletext\" style=\"text-align: right; font-size: 14px;\"><em><span style=\"font-weight: bold;\">Image</span>: Shutterstock</em></p>\n<!--more-->\n<h2 class=\"speakabletext\" style=\"text-align: left;\">What is cyber insurance? (Canada)</h2>\n<p class=\"speakabletext\" style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Cyber liability insurance</a> goes by many names these days: cyber insurance; cybersecurity insurance, cyber risk, hack insurance and others. However, the intent of all of these polices remains the same: a cyber policy is an insurance product used to protect your business from data breaches on computer system(s), potentially exposing client information.</p>\n<h3 style=\"text-align: left;\">What does <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a> cover?</h3>\n<ul style=\"list-style-type: disc; text-align: left;\">\n<li><strong style=\"background-color: transparent;\">Comprehensive Cyber Liability</strong><span style=\"background-color: transparent;\">: Combines third-party (your customers/clients) cyber liability and first-party (you and your business) cyber crime expense coverage.</span></li>\n<li><strong style=\"background-color: transparent;\">Digital Data Recovery Costs:</strong><span style=\"background-color: transparent;\"><span>&nbsp;</span>Covers destruction or loss of digital data resulting from a criminal cyber event.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Business Interruption:</strong><span>&nbsp;</span>Continuing normal operating &amp; payroll expenses, and net profit before income tax that would have been earned had no interruption in service of the computer system occurred.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Extortion &amp; <a href=\"/articles/if-youre-hit-with-ransomware-youll-want-cyber-insurance\" rel=\"noopener\">Ransomware</a>:</strong><span>&nbsp;</span>Provides coverage for costs associated with payments to those who threaten to disclose sensitive information.</span></li>\n<li><span style=\"background-color: transparent;\"><strong>Forensic Investigation:</strong><span>&nbsp;</span>Covers the legal, technical and forensic services necessary to assess the cause and scope of the cyber incident.</span></li>\n<li><strong>Cyber Incident Response Expenses</strong></li>\n</ul>\n<p style=\"text-align: left;\">While the most prominent cases reported have been attacks against large companies such as Target, Sony and Home Depot; in fact, at least 43% of cyber attacks occur against small businesses. Of the small businesses attacked, 60% never recover after a hack and go out of business within 6 months because of a lack of cybersecurity<strong>.</strong></p>\n<p style=\"text-align: left;\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">Front Row Insurance’s cyber insurance</a>&nbsp;provides protection against a range of online hazards.</p>\n<h3 style=\"text-align: left;\">How to safeguard against a cyber attack?</h3>\n<p style=\"text-align: left;\">Now more than ever, it’s important you protect yourself in every possible way. Here are a few tips we share with all of our clients:</p>\n<ul style=\"list-style-type: circle; text-align: left;\">\n<li><strong>Develop a password strategy:</strong> Using the same password across many devices and accounts is the easiest way to compromise security. Once a hacker gets their hands on a password, they can use it to compromise employee information as well as customer data, turning a single password breach into millions in damage.<br><br></li>\n<li><strong>Avoid collecting or storing payment information</strong>: Outsource payment processing and avoid collecting customer payment information such as credit card info on your own. Dedicated security staff have the resources and tools to protect data better than you can.<br><br></li>\n<li><strong>Educate your employees</strong>: It may seem like common sense, but it’s not always. Develop a written policy about security &amp; privacy and make sure employees are on board and understand their responsibility to protect confidential data. No business is “too small” for a hacker; the more prepared you are, the less at-risk you are.<br><br></li>\n<li><strong>And, of course, purchase <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber liability insurance</a>: </strong><span style=\"font-style: italic;\">90% of small businesses do not currently have </span>cyber insurance<span style=\"font-style: italic;\">!&nbsp;</span>You need to know that your business will be protected against any security breaches.</li>\n</ul>\n<p style=\"font-size: 13px; text-align: left;\"><em><strong style=\"background-color: transparent;\"><br>About:&nbsp;</strong><span style=\"background-color: transparent;\">Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for a low cost in addition to arranging custom policies for the entertainment industry.</span></em><span style=\"background-color: transparent;\"></span><span style=\"background-color: transparent;\"></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px; text-align: left;\"><em><span style=\"background-color: transparent;\"><span id=\"hs_cos_wrapper_post_body\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\"></span><span></span></span></em></p>","use_featured_image":true,"tag_ids":[125625107734],"topic_ids":[125625107734],"enable_google_amp_output_override":false,"generate_json_ld_enabled":true,"blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE","blog_publish_instant_email_task_uid":"DONE","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":null,"keywords":[],"composition_id":0,"header":null,"password":null,"published_at":1692287625841,"layout_sections":{},"past_mab_experiment_ids":[],"meta_description":"Cyber Insurance Canada; Cybersecurity, Cyber Risk, Hack Insurance. 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Groner","cdnPurgeEmbargoTime":null},"previousPostSlug":"articles/online-cyber-insurance-for-canadian-small-businesses","previousPostName":"Cyber Insurance for Canadian Small Businesses | Cyber Insurance Canada","previousPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/cyber%20law%20cropped-3.jpg","previousPostFeaturedImageAltText":"Cyber Insurance for Canadian Small Businesses | Cyber Insurance Canada","nextPostSlug":"articles/self-distribution-models-for-film-productions","nextPostName":"Self-distribution models for film productions: What are the risks?","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Dave%20Stern/youtube-shutterstock_1488096026-forweb600.jpg","nextPostFeaturedImageAltText":"YouTube: Self-distribution models for film productions","afterPostBody":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":true,"htmlTitle":"Injuries to Actors Could be Covered Under Cast Production Insurance","audienceAccess":"PUBLIC","postSummary":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postBody":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Colby Spencer</strong>: I don’t know if everybody knows: there’s production insurance, show insurance but there’s also cast insurance claims and they can be some of the biggest claims that a project can incur. One of the examples that I saw on the Front Row blog was <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">when Heath Ledger died</a> during <em>The Imaginarium of Doctor Parnassus</em> (2009), which would have been before you joined Front Row. But that had to be recast with new actors and all of the fallout that happens from something like that and the insurance followed as well.</p>\n<p><strong>Mike Groner</strong>: I believe that is still the largest cast claim in Canada for a Canadian film.</p>\n<p><strong>Colby</strong>: And I do know the largest in the US was <em>The Fast and the Furious</em> franchise, which was $50 million, and that was <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker when he passed away</a>, so a huge amount of money. Big losses to do stuff like that.</p>\n<p><strong>Mike</strong>: The cast insurance part of the production package is without a doubt your biggest exposure on any film. You can just imagine the costs associated with replacing an actor midway if they got injured or died, or even if <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/25404/insurance-for-body-parts\">an actor breaks a leg</a>, and you have to shut down for two days, significant costs are being bled from the production company for holding locations, equipment, you still have to carry your cast and crew.</p>\n<p>Those are hundreds of thousands of dollars a day in costs that are going to be spent whether you’re able to film or not.</p>\n<p><strong>Colby</strong>: I read a couple stories, one was about Brad Pitt in <em><a href=\"https://en.wikipedia.org/wiki/Seven_(1995_film)\" rel=\"nofollow noopener\">Se7en</a></em> (1995), and I guess when he did a scene and hit the car, he actually hurt himself and they just kept him in a sling anyway. So, he got hurt in the movie but he also got hurt in real life and I feel like they worked around it on purpose, so it’s possible to “take an injury in” and use it as part of the story.</p>\n<p><strong>Mike</strong>: And there’s also the situation of actor availability. For someone like Pitt, who may have three other projects lined up, if they lost him for a week while his arm was getting better, they may not be able to finish their project for six months after his next project is done.</p>\n<p><strong>Colby</strong>: And it’s funny when you watch it as an audience member, you don’t even care, but you know the people who were working on that stuff care, they had a lot of sleepless nights.</p>\n<p><strong>Mike</strong>: It’s not too much different than writing in a pregnancy on a TV show or movie. These things happen and in the case of Brad Pitt injuring himself, that’s insurable, but you cannot really insure against someone getting pregnant; it’s not an injury.</p>\n<p><strong>Colby</strong>: That’s interesting because I know actors sign contracts that they won’t do certain things but that’s not necessarily related to film production insurance.</p>\n<p><strong>Mike</strong>: Well, we require actors, actresses and the director – anyone who is going to be insured as a cast member on a film – <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\">they have to undergo a physical</a>. And as part of that physical, they do warrant that they’re not going to jump off buildings, go scuba diving, ride a motorcycle, etc. Basically, we want them in a bubble for the next six weeks.</p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">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/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Film Production Civil Authority Coverage Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>","rssSummary":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","rssBody":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Colby Spencer</strong>: I don’t know if everybody knows: there’s production insurance, show insurance but there’s also cast insurance claims and they can be some of the biggest claims that a project can incur. One of the examples that I saw on the Front Row blog was <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">when Heath Ledger died</a> during <em>The Imaginarium of Doctor Parnassus</em> (2009), which would have been before you joined Front Row. But that had to be recast with new actors and all of the fallout that happens from something like that and the insurance followed as well.</p>\n<p><strong>Mike Groner</strong>: I believe that is still the largest cast claim in Canada for a Canadian film.</p>\n<p><strong>Colby</strong>: And I do know the largest in the US was <em>The Fast and the Furious</em> franchise, which was $50 million, and that was <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker when he passed away</a>, so a huge amount of money. Big losses to do stuff like that.</p>\n<p><strong>Mike</strong>: The cast insurance part of the production package is without a doubt your biggest exposure on any film. You can just imagine the costs associated with replacing an actor midway if they got injured or died, or even if <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/25404/insurance-for-body-parts\">an actor breaks a leg</a>, and you have to shut down for two days, significant costs are being bled from the production company for holding locations, equipment, you still have to carry your cast and crew.</p>\n<p>Those are hundreds of thousands of dollars a day in costs that are going to be spent whether you’re able to film or not.</p>\n<p><strong>Colby</strong>: I read a couple stories, one was about Brad Pitt in <em><a href=\"https://en.wikipedia.org/wiki/Seven_(1995_film)\" rel=\"nofollow noopener\">Se7en</a></em> (1995), and I guess when he did a scene and hit the car, he actually hurt himself and they just kept him in a sling anyway. So, he got hurt in the movie but he also got hurt in real life and I feel like they worked around it on purpose, so it’s possible to “take an injury in” and use it as part of the story.</p>\n<p><strong>Mike</strong>: And there’s also the situation of actor availability. For someone like Pitt, who may have three other projects lined up, if they lost him for a week while his arm was getting better, they may not be able to finish their project for six months after his next project is done.</p>\n<p><strong>Colby</strong>: And it’s funny when you watch it as an audience member, you don’t even care, but you know the people who were working on that stuff care, they had a lot of sleepless nights.</p>\n<p><strong>Mike</strong>: It’s not too much different than writing in a pregnancy on a TV show or movie. These things happen and in the case of Brad Pitt injuring himself, that’s insurable, but you cannot really insure against someone getting pregnant; it’s not an injury.</p>\n<p><strong>Colby</strong>: That’s interesting because I know actors sign contracts that they won’t do certain things but that’s not necessarily related to film production insurance.</p>\n<p><strong>Mike</strong>: Well, we require actors, actresses and the director – anyone who is going to be insured as a cast member on a film – <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\">they have to undergo a physical</a>. And as part of that physical, they do warrant that they’re not going to jump off buildings, go scuba diving, ride a motorcycle, etc. Basically, we want them in a bubble for the next six weeks.</p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">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/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Film Production Civil Authority Coverage Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>","postSummaryRss":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postBodyRss":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Colby Spencer</strong>: I don’t know if everybody knows: there’s production insurance, show insurance but there’s also cast insurance claims and they can be some of the biggest claims that a project can incur. One of the examples that I saw on the Front Row blog was <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">when Heath Ledger died</a> during <em>The Imaginarium of Doctor Parnassus</em> (2009), which would have been before you joined Front Row. But that had to be recast with new actors and all of the fallout that happens from something like that and the insurance followed as well.</p>\n<p><strong>Mike Groner</strong>: I believe that is still the largest cast claim in Canada for a Canadian film.</p>\n<p><strong>Colby</strong>: And I do know the largest in the US was <em>The Fast and the Furious</em> franchise, which was $50 million, and that was <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker when he passed away</a>, so a huge amount of money. Big losses to do stuff like that.</p>\n<p><strong>Mike</strong>: The cast insurance part of the production package is without a doubt your biggest exposure on any film. You can just imagine the costs associated with replacing an actor midway if they got injured or died, or even if <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/25404/insurance-for-body-parts\">an actor breaks a leg</a>, and you have to shut down for two days, significant costs are being bled from the production company for holding locations, equipment, you still have to carry your cast and crew.</p>\n<p>Those are hundreds of thousands of dollars a day in costs that are going to be spent whether you’re able to film or not.</p>\n<p><strong>Colby</strong>: I read a couple stories, one was about Brad Pitt in <em><a href=\"https://en.wikipedia.org/wiki/Seven_(1995_film)\" rel=\"nofollow noopener\">Se7en</a></em> (1995), and I guess when he did a scene and hit the car, he actually hurt himself and they just kept him in a sling anyway. So, he got hurt in the movie but he also got hurt in real life and I feel like they worked around it on purpose, so it’s possible to “take an injury in” and use it as part of the story.</p>\n<p><strong>Mike</strong>: And there’s also the situation of actor availability. For someone like Pitt, who may have three other projects lined up, if they lost him for a week while his arm was getting better, they may not be able to finish their project for six months after his next project is done.</p>\n<p><strong>Colby</strong>: And it’s funny when you watch it as an audience member, you don’t even care, but you know the people who were working on that stuff care, they had a lot of sleepless nights.</p>\n<p><strong>Mike</strong>: It’s not too much different than writing in a pregnancy on a TV show or movie. These things happen and in the case of Brad Pitt injuring himself, that’s insurable, but you cannot really insure against someone getting pregnant; it’s not an injury.</p>\n<p><strong>Colby</strong>: That’s interesting because I know actors sign contracts that they won’t do certain things but that’s not necessarily related to film production insurance.</p>\n<p><strong>Mike</strong>: Well, we require actors, actresses and the director – anyone who is going to be insured as a cast member on a film – <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\">they have to undergo a physical</a>. And as part of that physical, they do warrant that they’re not going to jump off buildings, go scuba diving, ride a motorcycle, etc. Basically, we want them in a bubble for the next six weeks.</p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">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/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Film Production Civil Authority Coverage Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Podcasts/actor-leg-break-shutterstock_1945028713-forweb600.jpg","tagIds":[949708904,949708959,956557290,3243019808,7008949748],"tagNames":["Film production","Film insurance claims","Cast insurance","Key person insurance","Actor body insurance"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1691674499170},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Colby Spencer</strong>: I don’t know if everybody knows: there’s production insurance, show insurance but there’s also cast insurance claims and they can be some of the biggest claims that a project can incur. One of the examples that I saw on the Front Row blog was <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">when Heath Ledger died</a> during <em>The Imaginarium of Doctor Parnassus</em> (2009), which would have been before you joined Front Row. But that had to be recast with new actors and all of the fallout that happens from something like that and the insurance followed as well.</p>\n<p><strong>Mike Groner</strong>: I believe that is still the largest cast claim in Canada for a Canadian film.</p>\n<p><strong>Colby</strong>: And I do know the largest in the US was <em>The Fast and the Furious</em> franchise, which was $50 million, and that was <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker when he passed away</a>, so a huge amount of money. Big losses to do stuff like that.</p>\n<p><strong>Mike</strong>: The cast insurance part of the production package is without a doubt your biggest exposure on any film. You can just imagine the costs associated with replacing an actor midway if they got injured or died, or even if <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/25404/insurance-for-body-parts\">an actor breaks a leg</a>, and you have to shut down for two days, significant costs are being bled from the production company for holding locations, equipment, you still have to carry your cast and crew.</p>\n<p>Those are hundreds of thousands of dollars a day in costs that are going to be spent whether you’re able to film or not.</p>\n<p><strong>Colby</strong>: I read a couple stories, one was about Brad Pitt in <em><a href=\"https://en.wikipedia.org/wiki/Seven_(1995_film)\" rel=\"nofollow noopener\">Se7en</a></em> (1995), and I guess when he did a scene and hit the car, he actually hurt himself and they just kept him in a sling anyway. So, he got hurt in the movie but he also got hurt in real life and I feel like they worked around it on purpose, so it’s possible to “take an injury in” and use it as part of the story.</p>\n<p><strong>Mike</strong>: And there’s also the situation of actor availability. For someone like Pitt, who may have three other projects lined up, if they lost him for a week while his arm was getting better, they may not be able to finish their project for six months after his next project is done.</p>\n<p><strong>Colby</strong>: And it’s funny when you watch it as an audience member, you don’t even care, but you know the people who were working on that stuff care, they had a lot of sleepless nights.</p>\n<p><strong>Mike</strong>: It’s not too much different than writing in a pregnancy on a TV show or movie. These things happen and in the case of Brad Pitt injuring himself, that’s insurable, but you cannot really insure against someone getting pregnant; it’s not an injury.</p>\n<p><strong>Colby</strong>: That’s interesting because I know actors sign contracts that they won’t do certain things but that’s not necessarily related to film production insurance.</p>\n<p><strong>Mike</strong>: Well, we require actors, actresses and the director – anyone who is going to be insured as a cast member on a film – <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\">they have to undergo a physical</a>. And as part of that physical, they do warrant that they’re not going to jump off buildings, go scuba diving, ride a motorcycle, etc. Basically, we want them in a bubble for the next six weeks.</p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">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/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Film Production Civil Authority Coverage Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>","postEmailContent":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postRssContent":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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 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START - Generated by ClassySchema.org on Wed, 19 Apr 2023 20:35:49 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"https://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"Injuries to Actors Could be Covered Under Cast Insurance | Vantropolis Podcast | Front Row Insurance\",\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/3lh4oBpLDjc/mqdefault.jpg\",\n\t\"duration\": \"PT3M27S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=3lh4oBpLDjc\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/3lh4oBpLDjc\",\n\t\"uploadDate\": \"2023-04-19\",\n\t\"potentialAction\": {\n\t\t\"@type\": \"SeekToAction\",\n\t\t\"target\": \"https://youtu.be/3lh4oBpLDjc?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 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(US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","post_body":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Colby Spencer</strong>: I don’t know if everybody knows: there’s production insurance, show insurance but there’s also cast insurance claims and they can be some of the biggest claims that a project can incur. One of the examples that I saw on the Front Row blog was <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">when Heath Ledger died</a> during <em>The Imaginarium of Doctor Parnassus</em> (2009), which would have been before you joined Front Row. But that had to be recast with new actors and all of the fallout that happens from something like that and the insurance followed as well.</p>\n<p><strong>Mike Groner</strong>: I believe that is still the largest cast claim in Canada for a Canadian film.</p>\n<p><strong>Colby</strong>: And I do know the largest in the US was <em>The Fast and the Furious</em> franchise, which was $50 million, and that was <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker when he passed away</a>, so a huge amount of money. Big losses to do stuff like that.</p>\n<p><strong>Mike</strong>: The cast insurance part of the production package is without a doubt your biggest exposure on any film. You can just imagine the costs associated with replacing an actor midway if they got injured or died, or even if <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/25404/insurance-for-body-parts\">an actor breaks a leg</a>, and you have to shut down for two days, significant costs are being bled from the production company for holding locations, equipment, you still have to carry your cast and crew.</p>\n<p>Those are hundreds of thousands of dollars a day in costs that are going to be spent whether you’re able to film or not.</p>\n<p><strong>Colby</strong>: I read a couple stories, one was about Brad Pitt in <em><a href=\"https://en.wikipedia.org/wiki/Seven_(1995_film)\" rel=\"nofollow noopener\">Se7en</a></em> (1995), and I guess when he did a scene and hit the car, he actually hurt himself and they just kept him in a sling anyway. So, he got hurt in the movie but he also got hurt in real life and I feel like they worked around it on purpose, so it’s possible to “take an injury in” and use it as part of the story.</p>\n<p><strong>Mike</strong>: And there’s also the situation of actor availability. For someone like Pitt, who may have three other projects lined up, if they lost him for a week while his arm was getting better, they may not be able to finish their project for six months after his next project is done.</p>\n<p><strong>Colby</strong>: And it’s funny when you watch it as an audience member, you don’t even care, but you know the people who were working on that stuff care, they had a lot of sleepless nights.</p>\n<p><strong>Mike</strong>: It’s not too much different than writing in a pregnancy on a TV show or movie. These things happen and in the case of Brad Pitt injuring himself, that’s insurable, but you cannot really insure against someone getting pregnant; it’s not an injury.</p>\n<p><strong>Colby</strong>: That’s interesting because I know actors sign contracts that they won’t do certain things but that’s not necessarily related to film production insurance.</p>\n<p><strong>Mike</strong>: Well, we require actors, actresses and the director – anyone who is going to be insured as a cast member on a film – <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\">they have to undergo a physical</a>. And as part of that physical, they do warrant that they’re not going to jump off buildings, go scuba diving, ride a motorcycle, etc. Basically, we want them in a bubble for the next six weeks.</p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">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/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Film Production Civil Authority Coverage Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>","rss_summary":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","rss_body":"<h2><span style=\"font-size: 36px;\">Actor Injury Insurance for Film Productions (US and Canada)</span><span style=\"font-weight: normal;\"></span><span style=\"font-weight: normal;\"></span><span style=\"font-size: 36px;\"></span></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/3lh4oBpLDjc?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Colby Spencer</strong>: I don’t know if everybody knows: there’s production insurance, show insurance but there’s also cast insurance claims and they can be some of the biggest claims that a project can incur. One of the examples that I saw on the Front Row blog was <a href=\"https://www.frontrowinsurance.com/articles/example-of-a-cast-insurance-claim\">when Heath Ledger died</a> during <em>The Imaginarium of Doctor Parnassus</em> (2009), which would have been before you joined Front Row. But that had to be recast with new actors and all of the fallout that happens from something like that and the insurance followed as well.</p>\n<p><strong>Mike Groner</strong>: I believe that is still the largest cast claim in Canada for a Canadian film.</p>\n<p><strong>Colby</strong>: And I do know the largest in the US was <em>The Fast and the Furious</em> franchise, which was $50 million, and that was <a href=\"https://www.frontrowinsurance.com/articles/how-to-call-a-wrap-on-top-film-insurance-claims\">Paul Walker when he passed away</a>, so a huge amount of money. Big losses to do stuff like that.</p>\n<p><strong>Mike</strong>: The cast insurance part of the production package is without a doubt your biggest exposure on any film. You can just imagine the costs associated with replacing an actor midway if they got injured or died, or even if <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/25404/insurance-for-body-parts\">an actor breaks a leg</a>, and you have to shut down for two days, significant costs are being bled from the production company for holding locations, equipment, you still have to carry your cast and crew.</p>\n<p>Those are hundreds of thousands of dollars a day in costs that are going to be spent whether you’re able to film or not.</p>\n<p><strong>Colby</strong>: I read a couple stories, one was about Brad Pitt in <em><a href=\"https://en.wikipedia.org/wiki/Seven_(1995_film)\" rel=\"nofollow noopener\">Se7en</a></em> (1995), and I guess when he did a scene and hit the car, he actually hurt himself and they just kept him in a sling anyway. So, he got hurt in the movie but he also got hurt in real life and I feel like they worked around it on purpose, so it’s possible to “take an injury in” and use it as part of the story.</p>\n<p><strong>Mike</strong>: And there’s also the situation of actor availability. For someone like Pitt, who may have three other projects lined up, if they lost him for a week while his arm was getting better, they may not be able to finish their project for six months after his next project is done.</p>\n<p><strong>Colby</strong>: And it’s funny when you watch it as an audience member, you don’t even care, but you know the people who were working on that stuff care, they had a lot of sleepless nights.</p>\n<p><strong>Mike</strong>: It’s not too much different than writing in a pregnancy on a TV show or movie. These things happen and in the case of Brad Pitt injuring himself, that’s insurable, but you cannot really insure against someone getting pregnant; it’s not an injury.</p>\n<p><strong>Colby</strong>: That’s interesting because I know actors sign contracts that they won’t do certain things but that’s not necessarily related to film production insurance.</p>\n<p><strong>Mike</strong>: Well, we require actors, actresses and the director – anyone who is going to be insured as a cast member on a film – <a href=\"https://www.frontrowinsurance.com/articles/articles/bid/61710/cast-insurance-5-reasons-to-use-an-approved-cast-doctor\">they have to undergo a physical</a>. And as part of that physical, they do warrant that they’re not going to jump off buildings, go scuba diving, ride a motorcycle, etc. Basically, we want them in a bubble for the next six weeks.</p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US?</span></em> Get a quote for <a href=\"/en/film-production-insurance\" rel=\"noopener\">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/most-common-film-insurance-claims\" rel=\"noopener\">Common Film Insurance Claims</a></li>\n<li><a href=\"/articles/civil-authority-coverage-explained\" rel=\"noopener\">Film Production Civil Authority Coverage Explained</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\">Content courtesy of the <a href=\"https://vantropolis.simplecast.com/episodes/vantropolis-mike-groner\" rel=\"nofollow noopener\">Vantropolis podcast</a></span></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>\n<p style=\"font-size: 13px;\"><em><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.</em></p>","use_featured_image":true,"tag_ids":[949708904,949708959,956557290,3243019808,7008949748],"topic_ids":[949708904,949708959,956557290,3243019808,7008949748],"enable_google_amp_output_override":false,"generate_json_ld_enabled":true,"blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE","blog_publish_instant_email_task_uid":"DONE","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":null,"keywords":[],"composition_id":0,"header":null,"password":null,"published_at":1691674499170,"layout_sections":{},"past_mab_experiment_ids":[],"meta_description":"For someone like Brad Pitt, who may have three other projects lined up, if they lost him for a week while his arm was getting better, they may not 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hacked?","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/film%20producers/Film-cyber-insurance-FB-forweb600.jpg","nextPostFeaturedImageAltText":"Filmmakers: get cyber insurance!","afterPostBody":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":true,"htmlTitle":"Self-distribution models for film productions: What are the risks?","audienceAccess":"PUBLIC","postSummary":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postBody":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><span style=\"font-weight: bold;\"><br>Dave Stern</span>: It’s a good question because it really comes down to: the risk is tied to the exposure. If five people see a movie, the risk is low; if 10 million people see a movie, the risk is high. Something could be on YouTube but only have 500 views and perhaps 500 people have seen it; the risk is fairly low. Regardless of the method of distribution, it’s really about the volume of people who have seen it.</p>\n<p>If someone has been wronged or their intellectual property (IP) rights have been <a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerberg\" rel=\"noopener\">used in the production without their permission</a>, they will only contemplate a claim if they know about it, so it’s a question of visibility and exposure.</p>\n<p>With respect to an online platform that is easy to self-upload, self-distribute, such as YouTube, there are other remedies one could take that would not be available otherwise. <em>E.g.,</em> if a third party has their IP infringed – a piece of their artwork was shown in a feature film without their consent – if they see this on YouTube, they can simply report it. Individuals have reporting rights for IP or <a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">copyright infringement</a> that would ultimately result (in most cases) in the takedown of the content. So, the feature film might actually be taken down because somebody clicked a few buttons and completed a small form online.</p>\n<p>If a film is a Hollywood blockbuster that is exploited theatrically, if someone sees it and they’re upset by the same infringement, the remedies that they can pursue are not exactly limited but more complex and costly for them to do so. That would be the major difference – [with self-distribution, such as YouTube] there is that added layer of ease for individuals who have been infringed upon to file a report and get content taken down, which could significantly impact the future prospects of the film.</p>\n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US? </span></em>Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/can-an-idea-be-copyrighted\" rel=\"noopener\">Can an idea be copyrighted?</a></li>\n<li><a href=\"/articles/top-20-filmmaking-youtube-channels\" rel=\"noopener\">The best filmmakers on YouTube</a></li>\n<li><a href=\"/articles/the-best-cameras-for-youtube\" rel=\"noopener\">The best cameras for YouTube</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li>\n<li><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">Distributor's E&amp;O insurance</a></li>\n<li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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>","rssSummary":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","rssBody":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><span style=\"font-weight: bold;\"><br>Dave Stern</span>: It’s a good question because it really comes down to: the risk is tied to the exposure. If five people see a movie, the risk is low; if 10 million people see a movie, the risk is high. Something could be on YouTube but only have 500 views and perhaps 500 people have seen it; the risk is fairly low. Regardless of the method of distribution, it’s really about the volume of people who have seen it.</p>\n<p>If someone has been wronged or their intellectual property (IP) rights have been <a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerberg\" rel=\"noopener\">used in the production without their permission</a>, they will only contemplate a claim if they know about it, so it’s a question of visibility and exposure.</p>\n<p>With respect to an online platform that is easy to self-upload, self-distribute, such as YouTube, there are other remedies one could take that would not be available otherwise. <em>E.g.,</em> if a third party has their IP infringed – a piece of their artwork was shown in a feature film without their consent – if they see this on YouTube, they can simply report it. Individuals have reporting rights for IP or <a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">copyright infringement</a> that would ultimately result (in most cases) in the takedown of the content. So, the feature film might actually be taken down because somebody clicked a few buttons and completed a small form online.</p>\n<p>If a film is a Hollywood blockbuster that is exploited theatrically, if someone sees it and they’re upset by the same infringement, the remedies that they can pursue are not exactly limited but more complex and costly for them to do so. That would be the major difference – [with self-distribution, such as YouTube] there is that added layer of ease for individuals who have been infringed upon to file a report and get content taken down, which could significantly impact the future prospects of the film.</p>\n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US? </span></em>Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/can-an-idea-be-copyrighted\" rel=\"noopener\">Can an idea be copyrighted?</a></li>\n<li><a href=\"/articles/top-20-filmmaking-youtube-channels\" rel=\"noopener\">The best filmmakers on YouTube</a></li>\n<li><a href=\"/articles/the-best-cameras-for-youtube\" rel=\"noopener\">The best cameras for YouTube</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li>\n<li><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">Distributor's E&amp;O insurance</a></li>\n<li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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>","postSummaryRss":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postBodyRss":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><span style=\"font-weight: bold;\"><br>Dave Stern</span>: It’s a good question because it really comes down to: the risk is tied to the exposure. If five people see a movie, the risk is low; if 10 million people see a movie, the risk is high. Something could be on YouTube but only have 500 views and perhaps 500 people have seen it; the risk is fairly low. Regardless of the method of distribution, it’s really about the volume of people who have seen it.</p>\n<p>If someone has been wronged or their intellectual property (IP) rights have been <a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerberg\" rel=\"noopener\">used in the production without their permission</a>, they will only contemplate a claim if they know about it, so it’s a question of visibility and exposure.</p>\n<p>With respect to an online platform that is easy to self-upload, self-distribute, such as YouTube, there are other remedies one could take that would not be available otherwise. <em>E.g.,</em> if a third party has their IP infringed – a piece of their artwork was shown in a feature film without their consent – if they see this on YouTube, they can simply report it. Individuals have reporting rights for IP or <a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">copyright infringement</a> that would ultimately result (in most cases) in the takedown of the content. So, the feature film might actually be taken down because somebody clicked a few buttons and completed a small form online.</p>\n<p>If a film is a Hollywood blockbuster that is exploited theatrically, if someone sees it and they’re upset by the same infringement, the remedies that they can pursue are not exactly limited but more complex and costly for them to do so. That would be the major difference – [with self-distribution, such as YouTube] there is that added layer of ease for individuals who have been infringed upon to file a report and get content taken down, which could significantly impact the future prospects of the film.</p>\n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US? </span></em>Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/can-an-idea-be-copyrighted\" rel=\"noopener\">Can an idea be copyrighted?</a></li>\n<li><a href=\"/articles/top-20-filmmaking-youtube-channels\" rel=\"noopener\">The best filmmakers on YouTube</a></li>\n<li><a href=\"/articles/the-best-cameras-for-youtube\" rel=\"noopener\">The best cameras for YouTube</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li>\n<li><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">Distributor's E&amp;O insurance</a></li>\n<li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Dave%20Stern/youtube-shutterstock_1488096026-forweb600.jpg","tagIds":[949708924,949708959,3018617752],"tagNames":["Film producer's E&O insurance","Film insurance claims","Rights of privacy and publicity"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1690895720000},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><span style=\"font-weight: bold;\"><br>Dave Stern</span>: It’s a good question because it really comes down to: the risk is tied to the exposure. If five people see a movie, the risk is low; if 10 million people see a movie, the risk is high. Something could be on YouTube but only have 500 views and perhaps 500 people have seen it; the risk is fairly low. Regardless of the method of distribution, it’s really about the volume of people who have seen it.</p>\n<p>If someone has been wronged or their intellectual property (IP) rights have been <a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerberg\" rel=\"noopener\">used in the production without their permission</a>, they will only contemplate a claim if they know about it, so it’s a question of visibility and exposure.</p>\n<p>With respect to an online platform that is easy to self-upload, self-distribute, such as YouTube, there are other remedies one could take that would not be available otherwise. <em>E.g.,</em> if a third party has their IP infringed – a piece of their artwork was shown in a feature film without their consent – if they see this on YouTube, they can simply report it. Individuals have reporting rights for IP or <a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">copyright infringement</a> that would ultimately result (in most cases) in the takedown of the content. So, the feature film might actually be taken down because somebody clicked a few buttons and completed a small form online.</p>\n<p>If a film is a Hollywood blockbuster that is exploited theatrically, if someone sees it and they’re upset by the same infringement, the remedies that they can pursue are not exactly limited but more complex and costly for them to do so. That would be the major difference – [with self-distribution, such as YouTube] there is that added layer of ease for individuals who have been infringed upon to file a report and get content taken down, which could significantly impact the future prospects of the film.</p>\n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US? </span></em>Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/can-an-idea-be-copyrighted\" rel=\"noopener\">Can an idea be copyrighted?</a></li>\n<li><a href=\"/articles/top-20-filmmaking-youtube-channels\" rel=\"noopener\">The best filmmakers on YouTube</a></li>\n<li><a href=\"/articles/the-best-cameras-for-youtube\" rel=\"noopener\">The best cameras for YouTube</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li>\n<li><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">Distributor's E&amp;O insurance</a></li>\n<li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postRssContent":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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; 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Something could be on YouTube but only have 500 views...","tweetImmediately":false,"publishImmediately":true,"securityState":"NONE","scheduledUpdateDate":0,"placementGuids":[],"propertyForDynamicPageTitle":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageCanonicalUrl":null,"previewImageSrc":null,"legacyBlogTabid":null,"legacyPostGuid":null,"performableVariationLetter":null,"styleOverrideId":null,"hasUserChanges":true,"css":{},"cssText":"","createdTime":1681409402615,"unpublishedAt":0,"archivedInDashboard":false,"authorUsername":null,"archivedAt":0,"publishedById":7915797,"allowedSlugConflict":false,"abVariation":false,"abVariationAutomated":false,"mabMaster":false,"mabVariant":false,"linkRelCanonicalUrl":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/self-distribution-models-for-film-productions","pageRedirected":false,"pageExpiryEnabled":null,"pageExpiryDate":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"translatedContent":{},"deletedBy":null,"stateWhenDeleted":null,"clonedFrom":null,"stagedFrom":null,"personas":[],"composeBody":null,"featuredImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Dave%20Stern/youtube-shutterstock_1488096026-forweb600.jpg","featuredImageWidth":600,"featuredImageHeight":366,"publishTimezoneOffset":null,"themeSettingsValues":null,"isInstanceLayoutPage":false,"headHtml":"<!-- START - Generated by ClassySchema.org on Thu, 13 Apr 2023 18:15:05 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"https://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"Self-distribution models for film productions: Increased or decreased risk and insurance cost?\",\n\t\"description\": \"Get a quote for film producer's E&O insurance from Front Row: https://www.frontrowinsurance.com/en/sectors/e-o-insuranceBlaney McMurtry LLP website: https://...\",\n\t\"thumbnailUrl\": \"https://i.ytimg.com/vi/pwA3BGZYYaw/mqdefault.jpg\",\n\t\"duration\": \"PT2M6S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=pwA3BGZYYaw\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/pwA3BGZYYaw\",\n\t\"uploadDate\": \"2023-03-01\",\n\t\"potentialAction\": {\n\t\t\"@type\": \"SeekToAction\",\n\t\t\"target\": \"https://youtu.be/pwA3BGZYYaw?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-->","footerHtml":null,"attachedStylesheets":[],"enableDomainStylesheets":null,"includeDefaultCustomCss":null,"title":"Self-distribution models for film productions: What are the risks?","publishedAt":1690897805723,"url":"https://www.frontrowinsurance.com/articles/self-distribution-models-for-film-productions","author":null,"cdnPurgeEmbargoTime":null,"label":"Self-distribution models for film productions: What are the risks?","currentState":"PUBLISHED","lastEditSessionId":null,"lastEditUpdateId":null,"contentTypeCategory":3,"analyticsPageType":"blog-post","currentlyPublished":true,"contentTypeCategoryId":3,"category":3,"isPublished":true,"topics":[949708924,949708959,3018617752],"meta":{"public_access_rules_enabled":false,"public_access_rules":[],"html_title":"Self-distribution models for film productions: What are the risks?","post_summary":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","post_body":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><span style=\"font-weight: bold;\"><br>Dave Stern</span>: It’s a good question because it really comes down to: the risk is tied to the exposure. If five people see a movie, the risk is low; if 10 million people see a movie, the risk is high. Something could be on YouTube but only have 500 views and perhaps 500 people have seen it; the risk is fairly low. Regardless of the method of distribution, it’s really about the volume of people who have seen it.</p>\n<p>If someone has been wronged or their intellectual property (IP) rights have been <a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerberg\" rel=\"noopener\">used in the production without their permission</a>, they will only contemplate a claim if they know about it, so it’s a question of visibility and exposure.</p>\n<p>With respect to an online platform that is easy to self-upload, self-distribute, such as YouTube, there are other remedies one could take that would not be available otherwise. <em>E.g.,</em> if a third party has their IP infringed – a piece of their artwork was shown in a feature film without their consent – if they see this on YouTube, they can simply report it. Individuals have reporting rights for IP or <a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">copyright infringement</a> that would ultimately result (in most cases) in the takedown of the content. So, the feature film might actually be taken down because somebody clicked a few buttons and completed a small form online.</p>\n<p>If a film is a Hollywood blockbuster that is exploited theatrically, if someone sees it and they’re upset by the same infringement, the remedies that they can pursue are not exactly limited but more complex and costly for them to do so. That would be the major difference – [with self-distribution, such as YouTube] there is that added layer of ease for individuals who have been infringed upon to file a report and get content taken down, which could significantly impact the future prospects of the film.</p>\n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US? </span></em>Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/can-an-idea-be-copyrighted\" rel=\"noopener\">Can an idea be copyrighted?</a></li>\n<li><a href=\"/articles/top-20-filmmaking-youtube-channels\" rel=\"noopener\">The best filmmakers on YouTube</a></li>\n<li><a href=\"/articles/the-best-cameras-for-youtube\" rel=\"noopener\">The best cameras for YouTube</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li>\n<li><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">Distributor's E&amp;O insurance</a></li>\n<li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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>","rss_summary":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","rss_body":"<h2 style=\"font-size: 40px;\">Self-distribution models (e.g., YouTube) for film productions: Increased or decreased risk and insurance cost?</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/pwA3BGZYYaw?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><span style=\"font-weight: bold;\"><br>Dave Stern</span>: It’s a good question because it really comes down to: the risk is tied to the exposure. If five people see a movie, the risk is low; if 10 million people see a movie, the risk is high. Something could be on YouTube but only have 500 views and perhaps 500 people have seen it; the risk is fairly low. Regardless of the method of distribution, it’s really about the volume of people who have seen it.</p>\n<p>If someone has been wronged or their intellectual property (IP) rights have been <a href=\"/articles/how-can-you-make-a-film-like-the-social-network-without-getting-permission-from-mark-zuckerberg\" rel=\"noopener\">used in the production without their permission</a>, they will only contemplate a claim if they know about it, so it’s a question of visibility and exposure.</p>\n<p>With respect to an online platform that is easy to self-upload, self-distribute, such as YouTube, there are other remedies one could take that would not be available otherwise. <em>E.g.,</em> if a third party has their IP infringed – a piece of their artwork was shown in a feature film without their consent – if they see this on YouTube, they can simply report it. Individuals have reporting rights for IP or <a href=\"/articles/articles/bid/102723/e-o-insurance-how-much-of-your-productions-format-is-copyright-able\" rel=\"noopener\">copyright infringement</a> that would ultimately result (in most cases) in the takedown of the content. So, the feature film might actually be taken down because somebody clicked a few buttons and completed a small form online.</p>\n<p>If a film is a Hollywood blockbuster that is exploited theatrically, if someone sees it and they’re upset by the same infringement, the remedies that they can pursue are not exactly limited but more complex and costly for them to do so. That would be the major difference – [with self-distribution, such as YouTube] there is that added layer of ease for individuals who have been infringed upon to file a report and get content taken down, which could significantly impact the future prospects of the film.</p>\n<p style=\"text-align: right;\"><strong><em>Dave Stern</em></strong><em> is an entertainment lawyer and partner at Blaney McMurtry LLP</em></p>\n<p>&nbsp;</p>\n<p><em><span style=\"font-weight: bold;\">Are you a producer in Canada or the US? </span></em>Get a quote for <a href=\"/en/sectors/e-o-insurance\" rel=\"noopener\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/can-an-idea-be-copyrighted\" rel=\"noopener\">Can an idea be copyrighted?</a></li>\n<li><a href=\"/articles/top-20-filmmaking-youtube-channels\" rel=\"noopener\">The best filmmakers on YouTube</a></li>\n<li><a href=\"/articles/the-best-cameras-for-youtube\" rel=\"noopener\">The best cameras for YouTube</a></li>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Clearance procedures – E&amp;O</a></li>\n<li><a href=\"/articles/articles/bid/109689/distributor-s-errors-and-omissions-e-o-insurance\" rel=\"noopener\">Distributor's E&amp;O insurance</a></li>\n<li>YouTube: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbih45AJnVlE-_S7oNUpo0qzl\" rel=\"nofollow noopener\">Errors and omissions insurance (E&amp;O) – Dave Stern</a></li>\n</ul>\n<p style=\"font-size: 13px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">About</span>: Based in the heart of Toronto’s financial district, Blaney McMurtry LLP is one of Canada's premier law firms. </span><a href=\"https://www.blaney.com/\" style=\"font-style: italic;\">https://www.blaney.com/</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>","use_featured_image":true,"tag_ids":[949708924,949708959,3018617752],"topic_ids":[949708924,949708959,3018617752],"enable_google_amp_output_override":false,"generate_json_ld_enabled":true,"blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE","blog_publish_instant_email_task_uid":"DONE","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":null,"keywords":[],"composition_id":0,"header":null,"password":null,"published_at":1690897805723,"layout_sections":{},"past_mab_experiment_ids":[],"meta_description":"If five people see a movie, the risk is low; if 10 million people see a movie, the risk is high. Something could be on YouTube but only have 500 views...","meta_keywords":null,"featured_image_width":600,"featured_image_height":366,"publish_timezone_offset":null,"theme_settings_values":null,"featured_image_alt_text":"YouTube: Self-distribution models for film productions","enable_layout_stylesheets":null,"tweet":null,"tweet_at":null,"campaign_name":null,"campaign_utm":null,"tweet_immediately":false,"publish_immediately":true,"security_state":"NONE","scheduled_update_date":0,"placement_guids":[],"property_for_dynamic_page_title":null,"property_for_dynamic_page_slug":null,"property_for_dynamic_page_meta_description":null,"property_for_dynamic_page_featured_image":null,"property_for_dynamic_page_canonical_url":null,"preview_image_src":null,"legacy_blog_tabid":null,"legacy_post_guid":null,"performable_variation_letter":null,"style_override_id":null,"has_user_changes":true,"css":{},"css_text":"","unpublished_at":0,"published_by_id":7915797,"allowed_slug_conflict":false,"link_rel_canonical_url":null,"page_redirected":false,"page_expiry_enabled":null,"page_expiry_date":null,"page_expiry_redirect_id":null,"page_expiry_redirect_url":null,"deleted_by":null,"state_when_deleted":null,"cloned_from":null,"staged_from":null,"personas":[],"compose_body":null,"featured_image":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Dave%20Stern/youtube-shutterstock_1488096026-forweb600.jpg","head_html":"<!-- START - Generated by ClassySchema.org on Thu, 13 Apr 2023 18:15:05 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"https://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"Self-distribution models for film productions: Increased or decreased risk and insurance cost?\",\n\t\"description\": \"Get a quote for film producer's E&O insurance from Front Row: https://www.frontrowinsurance.com/en/sectors/e-o-insuranceBlaney McMurtry LLP website: https://...\",\n\t\"thumbnailUrl\": \"https://i.ytimg.com/vi/pwA3BGZYYaw/mqdefault.jpg\",\n\t\"duration\": \"PT2M6S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=pwA3BGZYYaw\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/pwA3BGZYYaw\",\n\t\"uploadDate\": \"2023-03-01\",\n\t\"potentialAction\": {\n\t\t\"@type\": \"SeekToAction\",\n\t\t\"target\": \"https://youtu.be/pwA3BGZYYaw?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-->","footer_html":null,"attached_stylesheets":[],"enable_domain_stylesheets":null,"include_default_custom_css":null,"last_edit_session_id":null,"last_edit_update_id":null}},{"portalId":61352,"siteId":null,"id":31291783699,"slug":"articles/filmmakers-are-you-prepared-with-cyber-insurance-if-you-get-hacked","contentTypeId":null,"contentGroupId":952267656,"campaign":"bebb8aff-3a38-4bb7-bcdd-ec6e75054520","categoryId":3,"state":"PUBLISHED","publishDate":1690463315907,"created":1593114212659,"updated":1690463315913,"templatePath":"","name":"Filmmakers, are YOU prepared with cyber insurance if you get hacked?","mabExperimentId":null,"archived":false,"authorName":null,"deletedAt":0,"freezeDate":1690463315907,"processingStatus":"PUBLISHED","previewKey":"jknOhsYT","abTestId":null,"createdById":7915797,"updatedById":7915797,"domain":"","resolvedDomain":"www.frontrowinsurance.com","legacyId":null,"performableGuid":null,"isDraft":false,"subcategory":"normal_blog_post","abStatus":null,"blueprintTypeId":0,"folderId":null,"analyticsPageId":"31291783699","flexAreas":{},"widgetContainers":{},"widgets":{"name":{"body":{"title":"Filmmakers, are YOU prepared with cyber insurance if you get hacked?"},"id":"name","name":"name","type":"text","label":"Title"},"module_15965216980304":{"body":{"wrap_field_tag":"div","path":"/Coded files/Custom/blog/FrontRow2014/Basic Rich Text Box for Blog","definition_id":null,"module_id":33156769794,"smart_type":"NOT_SMART","field_types":{"add_content":"richtext","enable_rich_text_module":"boolean"},"type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_15965216980304","name":"module_15965216980304","type":"module","order":7,"label":"Basic Rich Text Box for Blog","smart_type":null,"styles":{},"module_id":33156769794},"module_15960847531069":{"body":{"wrap_field_tag":"div","path":"/Coded files/Custom/blog/FrontRow2014/Blog Subscribe New Module 2020","definition_id":null,"module_id":33051772119,"smart_type":"NOT_SMART","field_types":{"add_form":"form","add_form_title":"text","enable_form":"boolean"},"type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_15960847531069","name":"module_15960847531069","type":"module","order":5,"label":"Blog Subscribe New Module 2020","smart_type":null,"styles":{},"module_id":33051772119},"module_156398965931111":{"body":{"path":"/Marketplace/HubSpot/Team_Member/Team Member","widget_name":"Team Member","definition_id":null,"wrapping_html":"","module_id":8696351,"per_widget_wrapper_html":"","smart_type":"NOT_SMART","type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_156398965931111","name":"module_156398965931111","type":"module","order":9,"label":"Team Member","smart_type":null,"styles":{},"module_id":8696351,"deleted_at":1689869101999},"post_body":{"body":{"html":"<script type=\"application/ld+json\">\n{\n \"@context\" : \"http://schema.org\",\n \"@type\" : \"Article\",\n \"author\" : \"Grant Patten\",\n \"publisher\" : \"Front Row Insurance\",\n \"name\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"headline\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"datePublished\" : \"2020-06-29\",\n \"image\" : \"https://f.hubspotusercontent00.net/hubfs/61352/Cyber%20Insurance/film%20producers/Film-cyber-insurance-FB-forweb600.jpg\"\n}\n</script><h1>Filmmakers, are YOU prepared with <a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\">cyber insurance</a> if you get hacked?</h1>\n<p style=\"text-align: right;\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/Cyber%20Insurance/film%20producers/Film-cyber-insurance-FB-forweb600.jpg\" alt=\"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>\n<!--more-->\n<p class=\"p2\">Don’t think a cyber hack could happen to <i>your</i> production company? Well, think again! Just look at the below real-life examples of <strong>film production company hacks</strong> to see how real this threat is:</p>\n<h2 class=\"p4\">The Sony Pictures hack (2014)</h2>\n<p class=\"p2\">In 2014, a hacker group (likely sponsored by the North Korean government) leaked a release of confidential data from Sony Pictures, including personal information about employees and their families, information about executive salaries at the company, copies of then-unreleased films, plans for future films, scripts and other information. Several Sony Twitter accounts were also hacked.</p>\n<p class=\"p2\">The group demanded the cancellation of the release of Sony’s comedy film <i>The Interview</i> (2014) and, indeed, major cinema chains opted not to screen the film in response to these threats.</p>\n<p class=\"p2\">Although the film eventually did reasonably well through a digital-only release, the cinema chain cancellations amounted to (potentially) millions in lost revenue for Sony. With <a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\"><span class=\"s1\">cyber insurance</span></a>, the included <strong>business interruption</strong> coverage could cover lost income and related costs.</p>\n<p class=\"p2\">If a hacker can breach the defences of a large entertainment company such as Sony Pictures, they can certainly breach a smaller production company, too. Hackers are becoming smarter, making it harder for production companies to defend themselves from a data breach.</p>\n<h2 class=\"p4\">The Larson Studios hack (2017)</h2>\n<p class=\"p2\">In 2017, LA-based digital production company Larson Studios was hacked. The hackers apparently purloined 10 episodes of <i>Orange is the New Black</i>, which Larson Studios produces, then demanded ransom to prevent the shows from being released unofficially.</p>\n<p class=\"p2\">Larson Studios made the difficult decision to wire more than $50,000 USD in extortion money to the hackers. Yet, the unscrupulous hackers <i>still</i> leaked the stolen episodes on a file sharing website more than a month before the show was set to premiere. <a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\"><span class=\"s1\">Cyber insurance</span></a> would <strong>cover payments</strong> to those who threaten to obtain and disclose sensitive information.</p>\n<p class=\"p2\">Larson Studios made another expensive decision: to hire private data security experts to find out what happened. With <a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> is included in the policy.</p>\n<h2 class=\"p4\">WHAT IS <a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\">CYBER INSURANCE | CYBER LIABILITY INSURANCE | CYBER SECURITY INSURANCE | HACK INSURANCE</a>?</h2>\n<p class=\"p2\"><a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\"><span class=\"s1\"><strong>Cyber hack insurance</strong></span><strong> for filmmakers</strong></a> is designed to protect them from certain losses associated with data breaches and hacks. After a hack, there are costs you may incur, including (but not limited to):</p>\n<ul class=\"ul1\">\n<li class=\"li2\">notifying customers that their information has been stolen</li>\n<li class=\"li2\">paying to restore or recover the stolen data</li>\n<li class=\"li2\">paying to conduct an investigation to determine what happened</li>\n<li class=\"li2\">losing money from business interruption</li>\n</ul>\n<h2 class=\"p4\">SO, HOW CAN <a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\">CYBER INSURANCE</a> HELP FILMMAKERS?</h2>\n<p class=\"p2\"><span class=\"s1\">Hack insurance</span> can help with expenses associated with managing a hack, such as incident response and data recovery expenses.</p>\n<p class=\"p2\">Not only is your work stored on your computer(s), you may also have accounting, employee and/or client personal information on there. If you suffer a hack, your insurance can help you manage the costs associated with the loss. <a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\"><span class=\"s1\">Front Row's cyber hack insurance policy</span></a> starts at just $300 CAD annually and includes comprehensive cyber coverage with limit options up to $1,000,000.</p>\n<p class=\"p2\"><i>90% of small businesses in Canada do </i><strong><i>not</i></strong><i> have </i><a href=\"https://hackinsure.frontrowinsurance.com/\" rel=\" noopener\"><span class=\"s1\"><i>Cyber Insurance</i></span></a><i>:</i> take a few minutes to protect your production company, which has taken you so long to establish.</p>\n<p class=\"p2\"></p>\n<p class=\"p3\">&nbsp;</p>\n<p class=\"p1\" style=\"font-size: 16px;\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims. Front Row has offices in Vancouver, Toronto, Montreal and Halifax. </i></p>\n<h3 class=\"p5\">Citations:</h3>\n<p class=\"p6\"><span class=\"s1\"><a href=\"https://en.wikipedia.org/wiki/Sony_Pictures_hack\">https://en.wikipedia.org/wiki/Sony_Pictures_hack<span class=\"s3\"></span></a></span></p>\n<p class=\"p6\"><span class=\"s1\"><a href=\"https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/\">https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/<span class=\"s3\"></span></a></span></p>\n<p class=\"p7\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>\n<h3>Related:</h3>\n<p><a href=\"/cyber-insurance-101\" rel=\" noopener\"><strong>EBOOK</strong>: CYBER INSURANCE 101 / CYBER LIABILITY INSURANCE / CYBERSECURITY INSURANCE CANADA / HOW TO PROTECT YOUR COMPUTER SYSTEMS</a></p>\n<p><a href=\"/articles/online-cyber-insurance-for-canadian-small-businesses\" rel=\" noopener\">ONLINE CYBER INSURANCE FOR CANADIAN SMALL BUSINESSES</a></p>\n<p><a href=\"/articles/cyber-security-insurance\" rel=\" noopener\">CYBER SECURITY INSURANCE</a></p>\n<p><a href=\"/articles/hack-insurance-its-not-just-for-big-businesses\" rel=\" noopener\">HACK INSURANCE: IT'S NOT JUST FOR BIG BUSINESSES</a></p>\n<p><a href=\"/articles/is-your-business-prepared-for-the-consequences-of-a-cyber-attack\" rel=\" noopener\">IS YOUR BUSINESS PREPARED FOR THE CONSEQUENCES OF A CYBER ATTACK?</a></p>\n<p><a href=\"/articles/4-ways-to-prevent-cyber-attacks-in-the-creative-industry\" rel=\" noopener\">4 WAYS TO PREVENT CYBER ATTACKS IN THE CREATIVE INDUSTRY</a></p>\n<p><a href=\"/articles/cyber-crime-insurance-for-non-profits\" rel=\" noopener\">CYBER CRIME INSURANCE FOR NON-PROFITS</a></p>\n<p><a href=\"/articles/if-you-are-a-graphic-designer-yes-you-need-hack-insurance\" rel=\" noopener\">IF YOU ARE A GRAPHIC DESIGNER, YES, YOU NEED HACK INSURANCE</a></p>\n<p><a href=\"/articles/photographers-cyber-insurance-brandjacked\" rel=\" noopener\">IF YOU ARE A PHOTOGRAPHER, YES, YOU NEED HACK INSURANCE</a></p>\n<p>IF YOU ARE A FILMMAKER/FILM PRODUCER/HAVE A PRODUCTION COMPANY, YES, YOU NEED HACK INSURANCE</p>\n<p><a href=\"/articles/theatre-company-and-patrons-cyber-insurance\" rel=\" noopener\">IF YOU ARE A THEATRE PRODUCER, YES, YOU NEED HACK INSURANCE</a></p>\n<p><a href=\"/instrument-insurance-blog/musicians-protect-your-music-studio-with-cyber-insurance\" rel=\" noopener\">IF YOU ARE A MUSICIAN, YES, YOU NEED CYBER INSURANCE</a></p>\n<p><a href=\"/articles/real-estate-agents-one-mistake-could-cost-your-client-their-life-savings\" rel=\" noopener\">IF YOU ARE A REAL ESTATE AGENT/WORK IN REAL ESTATE, YES, YOU NEED HACK INSURANCE</a></p>\n<p><a href=\"/articles/gyms-personal-trainers-are-you-prepared-with-cyber-insurance\" rel=\" noopener\">IF YOU ARE A PERSONAL TRAINER, YES, YOU NEED HACK INSURANCE</a></p>\n<p><a href=\"/articles/salon-owners-dont-let-ransomware-destroy-your-business\" rel=\" noopener\">IF YOU ARE A HAIR/NAIL/BEAUTY SALON MANAGER OR EMPLOYEE, YOU NEED CYBER INSURANCE</a></p>\n<p><a href=\"/articles/if-youre-hit-with-ransomware-youll-want-cyber-insurance\" rel=\" noopener\">RANSOMWARE INSURANCE</a></p>\n<p><a href=\"/articles/your-small-business-is-not-too-small-to-be-hacked-password-security\" rel=\" noopener\">PASSWORD PROTECTION &amp; MANAGEMENT</a></p>\n<p><a href=\"/articles/new-mandatory-data-breach-law\" rel=\" noopener\">MANDATORY DATA BREACH LAW</a></p>\n<p><a href=\"/articles/blog/office-contents-insurance\" rel=\" noopener\">OFFICE CONTENTS INSURANCE AND THE NEED FOR CYBER INSURANCE</a></p>\n<p><a href=\"/articles/insurance-business-canada-interviews-front-row-insurance\" rel=\" noopener\">FRONT ROW INSURANCE OFFERS SOLUTION TO SMALL BUSINESS CYBER CONUNDRUM</a></p>\n<p><a href=\"/articles/transfer-cyber-risk-to-cyber-attack-insurance\" rel=\" noopener\">TRANSFER CYBER RISK TO CYBER ATTACK INSURANCE</a></p>"},"id":"post_body","name":"post_body","type":"rich_text","label":"Blog 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"],"postsPerListingPage":10,"postsPerRssFeed":10,"allowComments":true,"closeCommentsOlder":0,"commentModeration":true,"commentNotificationEmails":["mike@frontrowinsurance.com","grant@frontrowinsurance.com"],"commentVerificationText":"","captchaAlways":false,"captchaAfterDays":7,"itemLayoutId":null,"itemTemplatePath":"prox_frontrow/templates/blog/blog-post.html","listingLayoutId":null,"listingTemplatePath":"prox_frontrow/templates/blog/blog-listing.html","itemTemplateIsShared":false,"usesDefaultTemplate":false,"defaultGroupStyleId":"","showSummaryInListing":false,"showSummaryInRss":true,"showSummaryInEmails":true,"useFeaturedImageInSummary":true,"showSocialLinkTwitter":true,"showSocialLinkFacebook":true,"showSocialLinkLinkedin":true,"defaultNotificationReplyTo":"","defaultNotificationFromName":"","subscriptionContactsProperty":"blog_blog_the_front_row_view_subscription","subscriptionListsByType":{"daily":12,"weekly":13,"instant":11,"monthly":10},"subscriptionFormGuid":"a2c254df-2214-4c54-bd51-46da1e3029fb","subscriptionEmailType":null,"emailApiSubscriptionId":283237,"instantNotificationEmailId":"952268061","dailyNotificationEmailId":"952268096","weeklyNotificationEmailId":"952268106","monthlyNotificationEmailId":"952267981","enableSocialAutoPublishing":false,"enableGoogleAmpOutput":true,"socialAccountTwitter":"","publishDateFormat":"medium","commentFormGuid":"7a447743-bbf2-4b55-a759-b405bf392a7d","commentDateFormat":"medium","commentMaxThreadDepth":3,"monthFilterFormat":"MMMM yyyy","rssCustomFeed":"","rssDescription":"RSS feeds for ","rssItemHeader":"","rssItemFooter":"<IMG style=\"WIDTH: 144px; HEIGHT: 78px\" title=\"\" border=0 alt=\"\" align=center src=\"http://focusinsurance.web6.hubspot.com/Portals/61352/images//logo_final.jpg\" width=138 height=78 mce_src=\"/Portals/61352/images//logo_final.jpg\">","legacyModuleId":"164112","legacyGuid":"469ce2ec-4dd9-442d-984a-3bab2557a02f","ampHeaderColor":"#1e1e1e","ampHeaderBackgroundColor":"#ffffff","ampBodyColor":"#404040","ampLinkColor":"#416bb3","ampHeaderFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampHeaderFontSize":"36","ampBodyFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampBodyFontSize":"18","ampLogoSrc":"https://cdn2.hubspot.net/hubfs/61352/front-row-logo.png","ampLogoAlt":"Front Row Insurance logo","ampLogoHeight":63,"ampLogoWidth":175,"ampCustomCss":"","generateJsonLdEnabled":false,"urlBase":"www.frontrowinsurance.com/articles","slug":"articles","attachedStylesheets":[],"title":null,"description":"The Front Row Insurance Blog where you can learn and converse about all things entertainment insurance related.","label":"The Front Row View (entertainment insurance blog)","cdnPurgeEmbargoTime":null,"audienceAccess":"PUBLIC"},"blogAuthorId":9474946913,"analytics":null,"tagList":[{"id":949708904,"portalId":61352,"name":"Film production","slug":"film-production","description":"","created":1401901728000,"updated":1666900094400,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Film production","cdnPurgeEmbargoTime":null},{"id":125625107734,"portalId":61352,"name":"Cyber insurance","slug":"cyber-insurance","description":"","created":1689864659973,"updated":1689864659973,"deletedAt":0,"categoryId":3,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Cyber insurance","cdnPurgeEmbargoTime":null}],"blogAuthor":{"portalId":61352,"id":9474946913,"created":1557244191140,"updated":1557244191140,"deletedAt":0,"fullName":"Grant Patten","email":"grant@frontrowinsurance.com","userId":null,"username":null,"slug":"grant-patten","language":null,"translatedFromId":null,"name":"Grant Patten","translations":{},"displayName":"Grant Patten","twitterUsername":"","hasSocialProfiles":false,"twitter":"","facebook":"","linkedin":"","bio":"Grant Patten - VP, Marketing","website":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/9751f803d54c2340cccdf5025adc9aa4","cosObjectType":"BLOG_AUTHOR","label":"Grant Patten","cdnPurgeEmbargoTime":null},"previousPostSlug":"articles/self-distribution-models-for-film-productions","previousPostName":"Self-distribution models for film productions: What are the risks?","previousPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Dave%20Stern/youtube-shutterstock_1488096026-forweb600.jpg","previousPostFeaturedImageAltText":"YouTube: Self-distribution models for film productions","nextPostSlug":"articles/4-ways-to-prevent-cyber-attacks-in-the-creative-industry","nextPostName":"4 Ways to Prevent Cyber Attacks in the Creative Industry (Canada)","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/dno.jpg","nextPostFeaturedImageAltText":"Directors and officers: cyber insurance","afterPostBody":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":true,"htmlTitle":"Filmmakers, are YOU prepared with cyber insurance if you get hacked?","audienceAccess":"PUBLIC","postSummary":"<p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>\n","postBody":"<script type=\"application/ld+json\">\n{\n \"@context\" : \"http://schema.org\",\n \"@type\" : \"Article\",\n \"author\" : \"Grant Patten\",\n \"publisher\" : \"Front Row Insurance\",\n \"name\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"headline\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"datePublished\" : \"2020-06-29\",\n \"image\" : \"https://f.hubspotusercontent00.net/hubfs/61352/Cyber%20Insurance/film%20producers/Film-cyber-insurance-FB-forweb600.jpg\"\n}\n</script><p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>\n<!--more-->\n<p class=\"p2\">Don’t think a cyber hack could happen to <i>your</i> production company? Well, think again! Just look at the below real-life examples of <strong>film production company hacks</strong> to see how real this threat is:</p>\n<h2 class=\"p4\">The Sony Pictures hack (2014)</h2>\n<p class=\"p2\">In 2014, a hacker group (likely sponsored by the North Korean government) leaked a release of confidential data from Sony Pictures, including personal information about employees and their families, information about executive salaries at the company, copies of then-unreleased films, plans for future films, scripts and other information. Several Sony Twitter accounts were also hacked.</p>\n<p class=\"p2\">The group demanded the cancellation of the release of Sony’s comedy film <i>The Interview</i> (2014) and, indeed, major cinema chains opted not to screen the film in response to these threats.</p>\n<p class=\"p2\">Although the film eventually did well through a digital-only release, the cinema chain cancellations amounted to (potentially) millions in lost revenue for Sony. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, the <strong>business interruption</strong> coverage could cover lost income and related costs.</p>\n<p class=\"p2\">If a hacker can breach the defences of a large entertainment company such as Sony Pictures, they can certainly breach a smaller production company, too. Hackers are becoming smarter, making it harder for companies to defend themselves from a data breach.</p>\n<h2 class=\"p4\">The Larson Studios hack (2017)</h2>\n<p class=\"p2\">In 2017, LA-based digital production company Larson Studios was hacked. The hackers apparently purloined 10 episodes of <i>Orange is the New Black</i>, which Larson Studios produces, then demanded ransom to prevent the shows from being released unofficially.</p>\n<p class=\"p2\">Larson Studios made the difficult decision to wire more than $50,000 USD in extortion money to the hackers. Yet, the unscrupulous hackers <i>still</i> leaked the stolen episodes on a file sharing website more than a month before the show was set to premiere. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Cyber insurance</span></a> would <strong>cover payments</strong> to those who threaten to disclose sensitive data.</p>\n<p class=\"p2\">Larson Studios made another expensive decision: to hire private data security experts to find out what happened. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> is included in the policy.</p>\n<h2 class=\"p4\">What is cyber liability insurance?</h2>\n<p class=\"p2\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Cyber hack insurance</strong></span><strong> for filmmakers</strong></a> is designed to protect them from certain losses associated with data breaches and hacks. After a hack, there are costs you may incur, including (but not limited to):</p>\n<ul class=\"ul1\">\n<li class=\"li2\">notifying customers that their information has been stolen</li>\n<li class=\"li2\">paying to restore or recover the stolen data</li>\n<li class=\"li2\">paying to conduct an investigation to determine what happened</li>\n<li class=\"li2\">losing money from business interruption</li>\n</ul>\n<h2 class=\"p4\">How can cyber insurance help filmmakers and film producers?</h2>\n<p class=\"p2\"><span class=\"s1\">Hack insurance</span> can help with expenses associated with managing a hack, such as incident response and data recovery expenses.</p>\n<p class=\"p2\">Not only is your work stored on your computer(s), you may also have accounting, employee and/or client personal information on there. If you suffer a hack, your insurance can help you manage the costs associated with the loss. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row's cyber hack insurance policy</span></a> is available to be quoted.</p>\n<p class=\"p2\"><i>90% of small businesses in Canada do </i><strong><i>not</i></strong><i> have </i><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><i>Cyber Insurance</i></span></a><i>:</i> take a few minutes to protect your production company, which has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p3\">&nbsp;</p>\n<p class=\"p1\" style=\"font-size: 16px;\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims.</i></p>\n<h3 class=\"p5\">Citations:</h3>\n<ul>\n<li class=\"p6\"><span class=\"s1\"><a href=\"https://en.wikipedia.org/wiki/Sony_Pictures_hack\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Sony_Pictures_hack</a></span></li>\n<li class=\"p6\"><a href=\"https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/\">https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/</a></li>\n</ul>\n<p class=\"p7\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","rssSummary":"<p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>\n","rssBody":"<script type=\"application/ld+json\">\n{\n \"@context\" : \"http://schema.org\",\n \"@type\" : \"Article\",\n \"author\" : \"Grant Patten\",\n \"publisher\" : \"Front Row Insurance\",\n \"name\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"headline\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"datePublished\" : \"2020-06-29\",\n \"image\" : \"https://f.hubspotusercontent00.net/hubfs/61352/Cyber%20Insurance/film%20producers/Film-cyber-insurance-FB-forweb600.jpg\"\n}\n</script><p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>\n<!--more-->\n<p class=\"p2\">Don’t think a cyber hack could happen to <i>your</i> production company? Well, think again! Just look at the below real-life examples of <strong>film production company hacks</strong> to see how real this threat is:</p>\n<h2 class=\"p4\">The Sony Pictures hack (2014)</h2>\n<p class=\"p2\">In 2014, a hacker group (likely sponsored by the North Korean government) leaked a release of confidential data from Sony Pictures, including personal information about employees and their families, information about executive salaries at the company, copies of then-unreleased films, plans for future films, scripts and other information. Several Sony Twitter accounts were also hacked.</p>\n<p class=\"p2\">The group demanded the cancellation of the release of Sony’s comedy film <i>The Interview</i> (2014) and, indeed, major cinema chains opted not to screen the film in response to these threats.</p>\n<p class=\"p2\">Although the film eventually did well through a digital-only release, the cinema chain cancellations amounted to (potentially) millions in lost revenue for Sony. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, the <strong>business interruption</strong> coverage could cover lost income and related costs.</p>\n<p class=\"p2\">If a hacker can breach the defences of a large entertainment company such as Sony Pictures, they can certainly breach a smaller production company, too. Hackers are becoming smarter, making it harder for companies to defend themselves from a data breach.</p>\n<h2 class=\"p4\">The Larson Studios hack (2017)</h2>\n<p class=\"p2\">In 2017, LA-based digital production company Larson Studios was hacked. The hackers apparently purloined 10 episodes of <i>Orange is the New Black</i>, which Larson Studios produces, then demanded ransom to prevent the shows from being released unofficially.</p>\n<p class=\"p2\">Larson Studios made the difficult decision to wire more than $50,000 USD in extortion money to the hackers. Yet, the unscrupulous hackers <i>still</i> leaked the stolen episodes on a file sharing website more than a month before the show was set to premiere. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Cyber insurance</span></a> would <strong>cover payments</strong> to those who threaten to disclose sensitive data.</p>\n<p class=\"p2\">Larson Studios made another expensive decision: to hire private data security experts to find out what happened. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> is included in the policy.</p>\n<h2 class=\"p4\">What is cyber liability insurance?</h2>\n<p class=\"p2\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Cyber hack insurance</strong></span><strong> for filmmakers</strong></a> is designed to protect them from certain losses associated with data breaches and hacks. After a hack, there are costs you may incur, including (but not limited to):</p>\n<ul class=\"ul1\">\n<li class=\"li2\">notifying customers that their information has been stolen</li>\n<li class=\"li2\">paying to restore or recover the stolen data</li>\n<li class=\"li2\">paying to conduct an investigation to determine what happened</li>\n<li class=\"li2\">losing money from business interruption</li>\n</ul>\n<h2 class=\"p4\">How can cyber insurance help filmmakers and film producers?</h2>\n<p class=\"p2\"><span class=\"s1\">Hack insurance</span> can help with expenses associated with managing a hack, such as incident response and data recovery expenses.</p>\n<p class=\"p2\">Not only is your work stored on your computer(s), you may also have accounting, employee and/or client personal information on there. If you suffer a hack, your insurance can help you manage the costs associated with the loss. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row's cyber hack insurance policy</span></a> is available to be quoted.</p>\n<p class=\"p2\"><i>90% of small businesses in Canada do </i><strong><i>not</i></strong><i> have </i><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><i>Cyber Insurance</i></span></a><i>:</i> take a few minutes to protect your production company, which has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p3\">&nbsp;</p>\n<p class=\"p1\" style=\"font-size: 16px;\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims.</i></p>\n<h3 class=\"p5\">Citations:</h3>\n<ul>\n<li class=\"p6\"><span class=\"s1\"><a href=\"https://en.wikipedia.org/wiki/Sony_Pictures_hack\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Sony_Pictures_hack</a></span></li>\n<li class=\"p6\"><a href=\"https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/\">https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/</a></li>\n</ul>\n<p class=\"p7\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","postSummaryRss":"<p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>","postBodyRss":"<script type=\"application/ld+json\">\n{\n \"@context\" : \"http://schema.org\",\n \"@type\" : \"Article\",\n \"author\" : \"Grant Patten\",\n \"publisher\" : \"Front Row Insurance\",\n \"name\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"headline\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"datePublished\" : \"2020-06-29\",\n \"image\" : \"https://f.hubspotusercontent00.net/hubfs/61352/Cyber%20Insurance/film%20producers/Film-cyber-insurance-FB-forweb600.jpg\"\n}\n</script><p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>\n<!--more-->\n<p class=\"p2\">Don’t think a cyber hack could happen to <i>your</i> production company? Well, think again! Just look at the below real-life examples of <strong>film production company hacks</strong> to see how real this threat is:</p>\n<h2 class=\"p4\">The Sony Pictures hack (2014)</h2>\n<p class=\"p2\">In 2014, a hacker group (likely sponsored by the North Korean government) leaked a release of confidential data from Sony Pictures, including personal information about employees and their families, information about executive salaries at the company, copies of then-unreleased films, plans for future films, scripts and other information. Several Sony Twitter accounts were also hacked.</p>\n<p class=\"p2\">The group demanded the cancellation of the release of Sony’s comedy film <i>The Interview</i> (2014) and, indeed, major cinema chains opted not to screen the film in response to these threats.</p>\n<p class=\"p2\">Although the film eventually did well through a digital-only release, the cinema chain cancellations amounted to (potentially) millions in lost revenue for Sony. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, the <strong>business interruption</strong> coverage could cover lost income and related costs.</p>\n<p class=\"p2\">If a hacker can breach the defences of a large entertainment company such as Sony Pictures, they can certainly breach a smaller production company, too. Hackers are becoming smarter, making it harder for companies to defend themselves from a data breach.</p>\n<h2 class=\"p4\">The Larson Studios hack (2017)</h2>\n<p class=\"p2\">In 2017, LA-based digital production company Larson Studios was hacked. The hackers apparently purloined 10 episodes of <i>Orange is the New Black</i>, which Larson Studios produces, then demanded ransom to prevent the shows from being released unofficially.</p>\n<p class=\"p2\">Larson Studios made the difficult decision to wire more than $50,000 USD in extortion money to the hackers. Yet, the unscrupulous hackers <i>still</i> leaked the stolen episodes on a file sharing website more than a month before the show was set to premiere. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Cyber insurance</span></a> would <strong>cover payments</strong> to those who threaten to disclose sensitive data.</p>\n<p class=\"p2\">Larson Studios made another expensive decision: to hire private data security experts to find out what happened. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> is included in the policy.</p>\n<h2 class=\"p4\">What is cyber liability insurance?</h2>\n<p class=\"p2\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Cyber hack insurance</strong></span><strong> for filmmakers</strong></a> is designed to protect them from certain losses associated with data breaches and hacks. After a hack, there are costs you may incur, including (but not limited to):</p>\n<ul class=\"ul1\">\n<li class=\"li2\">notifying customers that their information has been stolen</li>\n<li class=\"li2\">paying to restore or recover the stolen data</li>\n<li class=\"li2\">paying to conduct an investigation to determine what happened</li>\n<li class=\"li2\">losing money from business interruption</li>\n</ul>\n<h2 class=\"p4\">How can cyber insurance help filmmakers and film producers?</h2>\n<p class=\"p2\"><span class=\"s1\">Hack insurance</span> can help with expenses associated with managing a hack, such as incident response and data recovery expenses.</p>\n<p class=\"p2\">Not only is your work stored on your computer(s), you may also have accounting, employee and/or client personal information on there. If you suffer a hack, your insurance can help you manage the costs associated with the loss. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row's cyber hack insurance policy</span></a> is available to be quoted.</p>\n<p class=\"p2\"><i>90% of small businesses in Canada do </i><strong><i>not</i></strong><i> have </i><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><i>Cyber Insurance</i></span></a><i>:</i> take a few minutes to protect your production company, which has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p3\">&nbsp;</p>\n<p class=\"p1\" style=\"font-size: 16px;\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims.</i></p>\n<h3 class=\"p5\">Citations:</h3>\n<ul>\n<li class=\"p6\"><span class=\"s1\"><a href=\"https://en.wikipedia.org/wiki/Sony_Pictures_hack\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Sony_Pictures_hack</a></span></li>\n<li class=\"p6\"><a href=\"https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/\">https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/</a></li>\n</ul>\n<p class=\"p7\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/film%20producers/Film-cyber-insurance-FB-forweb600.jpg","tagIds":[949708904,125625107734],"tagNames":["Film production","Cyber insurance"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1690463315907},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<script type=\"application/ld+json\">\n{\n \"@context\" : \"http://schema.org\",\n \"@type\" : \"Article\",\n \"author\" : \"Grant Patten\",\n \"publisher\" : \"Front Row Insurance\",\n \"name\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"headline\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"datePublished\" : \"2020-06-29\",\n \"image\" : \"https://f.hubspotusercontent00.net/hubfs/61352/Cyber%20Insurance/film%20producers/Film-cyber-insurance-FB-forweb600.jpg\"\n}\n</script><p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>\n<!--more-->\n<p class=\"p2\">Don’t think a cyber hack could happen to <i>your</i> production company? Well, think again! Just look at the below real-life examples of <strong>film production company hacks</strong> to see how real this threat is:</p>\n<h2 class=\"p4\">The Sony Pictures hack (2014)</h2>\n<p class=\"p2\">In 2014, a hacker group (likely sponsored by the North Korean government) leaked a release of confidential data from Sony Pictures, including personal information about employees and their families, information about executive salaries at the company, copies of then-unreleased films, plans for future films, scripts and other information. Several Sony Twitter accounts were also hacked.</p>\n<p class=\"p2\">The group demanded the cancellation of the release of Sony’s comedy film <i>The Interview</i> (2014) and, indeed, major cinema chains opted not to screen the film in response to these threats.</p>\n<p class=\"p2\">Although the film eventually did well through a digital-only release, the cinema chain cancellations amounted to (potentially) millions in lost revenue for Sony. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, the <strong>business interruption</strong> coverage could cover lost income and related costs.</p>\n<p class=\"p2\">If a hacker can breach the defences of a large entertainment company such as Sony Pictures, they can certainly breach a smaller production company, too. Hackers are becoming smarter, making it harder for companies to defend themselves from a data breach.</p>\n<h2 class=\"p4\">The Larson Studios hack (2017)</h2>\n<p class=\"p2\">In 2017, LA-based digital production company Larson Studios was hacked. The hackers apparently purloined 10 episodes of <i>Orange is the New Black</i>, which Larson Studios produces, then demanded ransom to prevent the shows from being released unofficially.</p>\n<p class=\"p2\">Larson Studios made the difficult decision to wire more than $50,000 USD in extortion money to the hackers. Yet, the unscrupulous hackers <i>still</i> leaked the stolen episodes on a file sharing website more than a month before the show was set to premiere. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Cyber insurance</span></a> would <strong>cover payments</strong> to those who threaten to disclose sensitive data.</p>\n<p class=\"p2\">Larson Studios made another expensive decision: to hire private data security experts to find out what happened. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> is included in the policy.</p>\n<h2 class=\"p4\">What is cyber liability insurance?</h2>\n<p class=\"p2\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Cyber hack insurance</strong></span><strong> for filmmakers</strong></a> is designed to protect them from certain losses associated with data breaches and hacks. After a hack, there are costs you may incur, including (but not limited to):</p>\n<ul class=\"ul1\">\n<li class=\"li2\">notifying customers that their information has been stolen</li>\n<li class=\"li2\">paying to restore or recover the stolen data</li>\n<li class=\"li2\">paying to conduct an investigation to determine what happened</li>\n<li class=\"li2\">losing money from business interruption</li>\n</ul>\n<h2 class=\"p4\">How can cyber insurance help filmmakers and film producers?</h2>\n<p class=\"p2\"><span class=\"s1\">Hack insurance</span> can help with expenses associated with managing a hack, such as incident response and data recovery expenses.</p>\n<p class=\"p2\">Not only is your work stored on your computer(s), you may also have accounting, employee and/or client personal information on there. If you suffer a hack, your insurance can help you manage the costs associated with the loss. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row's cyber hack insurance policy</span></a> is available to be quoted.</p>\n<p class=\"p2\"><i>90% of small businesses in Canada do </i><strong><i>not</i></strong><i> have </i><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><i>Cyber Insurance</i></span></a><i>:</i> take a few minutes to protect your production company, which has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p3\">&nbsp;</p>\n<p class=\"p1\" style=\"font-size: 16px;\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims.</i></p>\n<h3 class=\"p5\">Citations:</h3>\n<ul>\n<li class=\"p6\"><span class=\"s1\"><a href=\"https://en.wikipedia.org/wiki/Sony_Pictures_hack\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Sony_Pictures_hack</a></span></li>\n<li class=\"p6\"><a href=\"https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/\">https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/</a></li>\n</ul>\n<p class=\"p7\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","postEmailContent":"<p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>","postRssContent":"<p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>","rssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/film%20producers/Film-cyber-insurance-FB-forweb600.jpg","postListSummaryFeaturedImage":"","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/film%20producers/Film-cyber-insurance-FB-forweb600.jpg","keywords":[],"isInstantEmailEnabled":true,"isSocialPublishingEnabled":false,"blogPostAuthor":{"portalId":61352,"id":9474946913,"created":1557244191140,"updated":1557244191140,"deletedAt":0,"fullName":"Grant Patten","email":"grant@frontrowinsurance.com","userId":null,"username":null,"slug":"grant-patten","language":null,"translatedFromId":null,"name":"Grant Patten","translations":{},"displayName":"Grant Patten","twitterUsername":"","hasSocialProfiles":false,"twitter":"","facebook":"","linkedin":"","bio":"Grant Patten - VP, Marketing","website":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/9751f803d54c2340cccdf5025adc9aa4","cosObjectType":"BLOG_AUTHOR","label":"Grant Patten","cdnPurgeEmbargoTime":null},"postTemplate":"prox_frontrow/templates/blog/blog-post.html","topicIds":[949708904,125625107734],"topicList":[{"id":949708904,"portalId":61352,"name":"Film production","slug":"film-production","description":"","created":1401901728000,"updated":1666900094400,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Film production","cdnPurgeEmbargoTime":null},{"id":125625107734,"portalId":61352,"name":"Cyber insurance","slug":"cyber-insurance","description":"","created":1689864659973,"updated":1689864659973,"deletedAt":0,"categoryId":3,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Cyber insurance","cdnPurgeEmbargoTime":null}],"topicNames":["Film production","Cyber insurance"],"areCommentsAllowed":true,"isCaptchaRequired":true,"syncedWithBlogRoot":true,"compositionId":0,"publicAccessRulesEnabled":false,"publicAccessRules":[],"header":null,"password":null,"layoutSections":{},"pastMabExperimentIds":[],"ab":false,"mab":false,"featuredImageAltText":"Filmmakers: get cyber insurance!","publishDateLocalTime":1690463315907,"enableLayoutStylesheets":null,"tweet":null,"tweetAt":null,"campaignName":"Cyber","campaignUtm":"Cyber","pageTitle":"Filmmakers, are YOU prepared with cyber insurance if you get hacked?","metaKeywords":null,"metaDescription":"Don’t think a cyber hack could happen to your production company? Well, think again! Just look at these real-life examples of film production co. hacks...","tweetImmediately":false,"publishImmediately":true,"securityState":"NONE","scheduledUpdateDate":0,"placementGuids":[],"propertyForDynamicPageTitle":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageCanonicalUrl":null,"previewImageSrc":null,"legacyBlogTabid":null,"legacyPostGuid":null,"performableVariationLetter":null,"styleOverrideId":null,"hasUserChanges":true,"css":{},"cssText":"","createdTime":1593114212659,"unpublishedAt":1611952221585,"archivedInDashboard":false,"authorUsername":null,"archivedAt":0,"publishedById":7915797,"allowedSlugConflict":false,"abVariation":false,"abVariationAutomated":false,"mabMaster":false,"mabVariant":false,"linkRelCanonicalUrl":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/filmmakers-are-you-prepared-with-cyber-insurance-if-you-get-hacked","pageRedirected":false,"pageExpiryEnabled":null,"pageExpiryDate":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"translatedContent":{},"deletedBy":null,"stateWhenDeleted":null,"clonedFrom":null,"stagedFrom":null,"personas":[],"composeBody":null,"featuredImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/film%20producers/Film-cyber-insurance-FB-forweb600.jpg","featuredImageWidth":600,"featuredImageHeight":400,"publishTimezoneOffset":null,"themeSettingsValues":null,"isInstanceLayoutPage":false,"headHtml":null,"footerHtml":null,"attachedStylesheets":[],"enableDomainStylesheets":null,"includeDefaultCustomCss":null,"title":"Filmmakers, are YOU prepared with cyber insurance if you get hacked?","publishedAt":1690463315907,"url":"https://www.frontrowinsurance.com/articles/filmmakers-are-you-prepared-with-cyber-insurance-if-you-get-hacked","author":null,"cdnPurgeEmbargoTime":null,"label":"Filmmakers, are YOU prepared with cyber insurance if you get hacked?","currentState":"PUBLISHED","lastEditSessionId":null,"lastEditUpdateId":null,"contentTypeCategory":3,"analyticsPageType":"blog-post","currentlyPublished":true,"contentTypeCategoryId":3,"category":3,"isPublished":true,"topics":[949708904,125625107734],"meta":{"public_access_rules_enabled":false,"public_access_rules":[],"html_title":"Filmmakers, are YOU prepared with cyber insurance if you get hacked?","post_summary":"<p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>\n","post_body":"<script type=\"application/ld+json\">\n{\n \"@context\" : \"http://schema.org\",\n \"@type\" : \"Article\",\n \"author\" : \"Grant Patten\",\n \"publisher\" : \"Front Row Insurance\",\n \"name\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"headline\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"datePublished\" : \"2020-06-29\",\n \"image\" : \"https://f.hubspotusercontent00.net/hubfs/61352/Cyber%20Insurance/film%20producers/Film-cyber-insurance-FB-forweb600.jpg\"\n}\n</script><p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>\n<!--more-->\n<p class=\"p2\">Don’t think a cyber hack could happen to <i>your</i> production company? Well, think again! Just look at the below real-life examples of <strong>film production company hacks</strong> to see how real this threat is:</p>\n<h2 class=\"p4\">The Sony Pictures hack (2014)</h2>\n<p class=\"p2\">In 2014, a hacker group (likely sponsored by the North Korean government) leaked a release of confidential data from Sony Pictures, including personal information about employees and their families, information about executive salaries at the company, copies of then-unreleased films, plans for future films, scripts and other information. Several Sony Twitter accounts were also hacked.</p>\n<p class=\"p2\">The group demanded the cancellation of the release of Sony’s comedy film <i>The Interview</i> (2014) and, indeed, major cinema chains opted not to screen the film in response to these threats.</p>\n<p class=\"p2\">Although the film eventually did well through a digital-only release, the cinema chain cancellations amounted to (potentially) millions in lost revenue for Sony. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, the <strong>business interruption</strong> coverage could cover lost income and related costs.</p>\n<p class=\"p2\">If a hacker can breach the defences of a large entertainment company such as Sony Pictures, they can certainly breach a smaller production company, too. Hackers are becoming smarter, making it harder for companies to defend themselves from a data breach.</p>\n<h2 class=\"p4\">The Larson Studios hack (2017)</h2>\n<p class=\"p2\">In 2017, LA-based digital production company Larson Studios was hacked. The hackers apparently purloined 10 episodes of <i>Orange is the New Black</i>, which Larson Studios produces, then demanded ransom to prevent the shows from being released unofficially.</p>\n<p class=\"p2\">Larson Studios made the difficult decision to wire more than $50,000 USD in extortion money to the hackers. Yet, the unscrupulous hackers <i>still</i> leaked the stolen episodes on a file sharing website more than a month before the show was set to premiere. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Cyber insurance</span></a> would <strong>cover payments</strong> to those who threaten to disclose sensitive data.</p>\n<p class=\"p2\">Larson Studios made another expensive decision: to hire private data security experts to find out what happened. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> is included in the policy.</p>\n<h2 class=\"p4\">What is cyber liability insurance?</h2>\n<p class=\"p2\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Cyber hack insurance</strong></span><strong> for filmmakers</strong></a> is designed to protect them from certain losses associated with data breaches and hacks. After a hack, there are costs you may incur, including (but not limited to):</p>\n<ul class=\"ul1\">\n<li class=\"li2\">notifying customers that their information has been stolen</li>\n<li class=\"li2\">paying to restore or recover the stolen data</li>\n<li class=\"li2\">paying to conduct an investigation to determine what happened</li>\n<li class=\"li2\">losing money from business interruption</li>\n</ul>\n<h2 class=\"p4\">How can cyber insurance help filmmakers and film producers?</h2>\n<p class=\"p2\"><span class=\"s1\">Hack insurance</span> can help with expenses associated with managing a hack, such as incident response and data recovery expenses.</p>\n<p class=\"p2\">Not only is your work stored on your computer(s), you may also have accounting, employee and/or client personal information on there. If you suffer a hack, your insurance can help you manage the costs associated with the loss. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row's cyber hack insurance policy</span></a> is available to be quoted.</p>\n<p class=\"p2\"><i>90% of small businesses in Canada do </i><strong><i>not</i></strong><i> have </i><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><i>Cyber Insurance</i></span></a><i>:</i> take a few minutes to protect your production company, which has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p3\">&nbsp;</p>\n<p class=\"p1\" style=\"font-size: 16px;\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims.</i></p>\n<h3 class=\"p5\">Citations:</h3>\n<ul>\n<li class=\"p6\"><span class=\"s1\"><a href=\"https://en.wikipedia.org/wiki/Sony_Pictures_hack\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Sony_Pictures_hack</a></span></li>\n<li class=\"p6\"><a href=\"https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/\">https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/</a></li>\n</ul>\n<p class=\"p7\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","rss_summary":"<p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>\n","rss_body":"<script type=\"application/ld+json\">\n{\n \"@context\" : \"http://schema.org\",\n \"@type\" : \"Article\",\n \"author\" : \"Grant Patten\",\n \"publisher\" : \"Front Row Insurance\",\n \"name\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"headline\" : \"Filmmakers, are YOU prepared with cyber insurance if you get hacked?\",\n \"datePublished\" : \"2020-06-29\",\n \"image\" : \"https://f.hubspotusercontent00.net/hubfs/61352/Cyber%20Insurance/film%20producers/Film-cyber-insurance-FB-forweb600.jpg\"\n}\n</script><p style=\"text-align: right;\"><span style=\"font-size: 14px;\"><strong><i>Source</i></strong><i>: Royalty-free stock photo ID: 635676176, Shutterstock</i></span></p>\n<!--more-->\n<p class=\"p2\">Don’t think a cyber hack could happen to <i>your</i> production company? Well, think again! Just look at the below real-life examples of <strong>film production company hacks</strong> to see how real this threat is:</p>\n<h2 class=\"p4\">The Sony Pictures hack (2014)</h2>\n<p class=\"p2\">In 2014, a hacker group (likely sponsored by the North Korean government) leaked a release of confidential data from Sony Pictures, including personal information about employees and their families, information about executive salaries at the company, copies of then-unreleased films, plans for future films, scripts and other information. Several Sony Twitter accounts were also hacked.</p>\n<p class=\"p2\">The group demanded the cancellation of the release of Sony’s comedy film <i>The Interview</i> (2014) and, indeed, major cinema chains opted not to screen the film in response to these threats.</p>\n<p class=\"p2\">Although the film eventually did well through a digital-only release, the cinema chain cancellations amounted to (potentially) millions in lost revenue for Sony. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, the <strong>business interruption</strong> coverage could cover lost income and related costs.</p>\n<p class=\"p2\">If a hacker can breach the defences of a large entertainment company such as Sony Pictures, they can certainly breach a smaller production company, too. Hackers are becoming smarter, making it harder for companies to defend themselves from a data breach.</p>\n<h2 class=\"p4\">The Larson Studios hack (2017)</h2>\n<p class=\"p2\">In 2017, LA-based digital production company Larson Studios was hacked. The hackers apparently purloined 10 episodes of <i>Orange is the New Black</i>, which Larson Studios produces, then demanded ransom to prevent the shows from being released unofficially.</p>\n<p class=\"p2\">Larson Studios made the difficult decision to wire more than $50,000 USD in extortion money to the hackers. Yet, the unscrupulous hackers <i>still</i> leaked the stolen episodes on a file sharing website more than a month before the show was set to premiere. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Cyber insurance</span></a> would <strong>cover payments</strong> to those who threaten to disclose sensitive data.</p>\n<p class=\"p2\">Larson Studios made another expensive decision: to hire private data security experts to find out what happened. With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> is included in the policy.</p>\n<h2 class=\"p4\">What is cyber liability insurance?</h2>\n<p class=\"p2\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Cyber hack insurance</strong></span><strong> for filmmakers</strong></a> is designed to protect them from certain losses associated with data breaches and hacks. After a hack, there are costs you may incur, including (but not limited to):</p>\n<ul class=\"ul1\">\n<li class=\"li2\">notifying customers that their information has been stolen</li>\n<li class=\"li2\">paying to restore or recover the stolen data</li>\n<li class=\"li2\">paying to conduct an investigation to determine what happened</li>\n<li class=\"li2\">losing money from business interruption</li>\n</ul>\n<h2 class=\"p4\">How can cyber insurance help filmmakers and film producers?</h2>\n<p class=\"p2\"><span class=\"s1\">Hack insurance</span> can help with expenses associated with managing a hack, such as incident response and data recovery expenses.</p>\n<p class=\"p2\">Not only is your work stored on your computer(s), you may also have accounting, employee and/or client personal information on there. If you suffer a hack, your insurance can help you manage the costs associated with the loss. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row's cyber hack insurance policy</span></a> is available to be quoted.</p>\n<p class=\"p2\"><i>90% of small businesses in Canada do </i><strong><i>not</i></strong><i> have </i><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><i>Cyber Insurance</i></span></a><i>:</i> take a few minutes to protect your production company, which has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p3\">&nbsp;</p>\n<p class=\"p1\" style=\"font-size: 16px;\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims.</i></p>\n<h3 class=\"p5\">Citations:</h3>\n<ul>\n<li class=\"p6\"><span class=\"s1\"><a href=\"https://en.wikipedia.org/wiki/Sony_Pictures_hack\" rel=\"nofollow noopener\">https://en.wikipedia.org/wiki/Sony_Pictures_hack</a></span></li>\n<li class=\"p6\"><a href=\"https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/\">https://variety.com/2017/digital/features/netflix-orange-is-the-new-black-leak-dark-overlord-larson-studios-1202471400/</a></li>\n</ul>\n<p class=\"p7\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","use_featured_image":true,"tag_ids":[949708904,125625107734],"topic_ids":[949708904,125625107734],"enable_google_amp_output_override":false,"generate_json_ld_enabled":true,"blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE","blog_publish_instant_email_task_uid":"DONE","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":null,"keywords":[],"composition_id":0,"header":null,"password":null,"published_at":1690463315907,"layout_sections":{},"past_mab_experiment_ids":[],"meta_description":"Don’t think a cyber hack could happen to your production company? Well, think again! Just look at these real-life examples of film production co. hacks...","meta_keywords":null,"featured_image_width":600,"featured_image_height":400,"publish_timezone_offset":null,"theme_settings_values":null,"featured_image_alt_text":"Filmmakers: get cyber insurance!","enable_layout_stylesheets":null,"tweet":null,"tweet_at":null,"campaign_name":"Cyber","campaign_utm":"Cyber","tweet_immediately":false,"publish_immediately":true,"security_state":"NONE","scheduled_update_date":0,"placement_guids":[],"property_for_dynamic_page_title":null,"property_for_dynamic_page_slug":null,"property_for_dynamic_page_meta_description":null,"property_for_dynamic_page_featured_image":null,"property_for_dynamic_page_canonical_url":null,"preview_image_src":null,"legacy_blog_tabid":null,"legacy_post_guid":null,"performable_variation_letter":null,"style_override_id":null,"has_user_changes":true,"css":{},"css_text":"","unpublished_at":1611952221585,"published_by_id":7915797,"allowed_slug_conflict":false,"link_rel_canonical_url":null,"page_redirected":false,"page_expiry_enabled":null,"page_expiry_date":null,"page_expiry_redirect_id":null,"page_expiry_redirect_url":null,"deleted_by":null,"state_when_deleted":null,"cloned_from":null,"staged_from":null,"personas":[],"compose_body":null,"featured_image":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/film%20producers/Film-cyber-insurance-FB-forweb600.jpg","head_html":null,"footer_html":null,"attached_stylesheets":[],"enable_domain_stylesheets":null,"include_default_custom_css":null,"last_edit_session_id":null,"last_edit_update_id":null}},{"portalId":61352,"siteId":null,"id":5979162150,"slug":"articles/4-ways-to-prevent-cyber-attacks-in-the-creative-industry","contentTypeId":null,"contentGroupId":952267656,"campaign":"bebb8aff-3a38-4bb7-bcdd-ec6e75054520","categoryId":3,"state":"PUBLISHED","publishDate":1690463268774,"created":1532039934133,"updated":1690463268780,"templatePath":"","name":"4 Ways to Prevent Cyber Attacks in the Creative Industry (Canada)","mabExperimentId":null,"archived":false,"authorName":null,"deletedAt":0,"freezeDate":1690463268774,"processingStatus":"PUBLISHED","previewKey":"lKqWmdIR","abTestId":null,"createdById":6181944,"updatedById":7915797,"domain":"","resolvedDomain":"www.frontrowinsurance.com","legacyId":null,"performableGuid":null,"isDraft":false,"subcategory":"normal_blog_post","abStatus":null,"blueprintTypeId":0,"folderId":null,"analyticsPageId":"5979162150","flexAreas":{},"widgetContainers":{},"widgets":{"post_body":{"body":{"html":"<h2>Cyber attacks in creative industries</h2>\n<p>Content creation companies such those involved in advertising &amp; media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.</p>\n<!--more--><p style=\"font-size: 18px;\"><span style=\"background-color: transparent;\">Any company that produces creative content usually holds sensitive information for their clients. It could be: a film production company holding scripts from writers; ad agencies holding strategic plans to formulate an ad campaign; photographers holding secret marketing campaign ideas.</span></p>\n<h2><span>4 ways to help prevent cyber attacks:</span><span></span></h2>\n<ol>\n<li><strong>Educating your employees.</strong> All companies can take action by raising awareness through employee training. By teaching your employees how to properly dispose of sensitive information and having protocols to change passwords on a regular basis, the chance of preventing a cyber attack is increased.<br><br></li>\n<li><strong>Purchasing <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber insurance</a>. </strong>Whether you are Sony Pictures or operating a small two-person design studio, you are never going to be truly protected without cyber insurance. Sophisticated cyber hackers are now targeting small companies as bigger companies invest in better protections. 43% of all cyber attacks are now against small businesses.<br><br></li>\n<li><strong>Being proactive.</strong> Business owners who are tuned into the ongoing cyber risks will always come out on top because they realize this is a growing exposure. 60% of small business that are hacked never recover and go out of business in 6 months after the cyber attack.<br><br></li>\n<li><strong>Dealing with data</strong>. People don’t think they need cyber insurance because their data is backed up, on another server or encrypted. Unfortunately, anyone dealing with data has an exposure to cyber attacks; this doesn’t ensure cyber security. 90% of all small business have no protocols in place to protect client data. Create a plan and follow it.</li>\n</ol>\n<p><strong>Need cyber insurance?</strong> Peace of Mind starts with a <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">quote for cyber insurance</a>.</p>\n<p class=\"p1\">&nbsp;</p>\n<p style=\"font-size: 14px;\"><em><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for the lowest possible cost in addition to arranging custom policies for the entertainment industry. Should a claim occur, Front Row ensures that their clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</em></p>"},"id":"post_body","name":"post_body","type":"rich_text","label":"Blog Content"},"name":{"body":{"title":"4 Ways to Prevent Cyber Attacks in the Creative Industry (Canada)"},"id":"name","name":"name","type":"text","label":"Title"},"module_15965216980304":{"body":{"wrap_field_tag":"div","path":"/Coded files/Custom/blog/FrontRow2014/Basic Rich Text Box for Blog","definition_id":null,"module_id":33156769794,"smart_type":"NOT_SMART","field_types":{"add_content":"richtext","enable_rich_text_module":"boolean"},"type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_15965216980304","name":"module_15965216980304","type":"module","order":7,"label":"Basic Rich Text Box for Blog","smart_type":null,"styles":{},"module_id":33156769794},"module_15960847531069":{"body":{"wrap_field_tag":"div","path":"/Coded files/Custom/blog/FrontRow2014/Blog Subscribe New Module 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in advertising &amp; media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.</p>\n<!--more--><p style=\"font-size: 18px;\"><span style=\"background-color: transparent;\">Any company that produces creative content usually holds sensitive information for their clients. It could be: a film production company holding scripts from writers; ad agencies holding strategic plans to formulate an ad campaign; photographers holding secret marketing campaign ideas.</span></p>\n<h2><span>4 ways to help prevent cyber attacks:</span><span></span></h2>\n<ol>\n<li><strong>Educating your employees.</strong> All companies can take action by raising awareness through employee training. By teaching your employees how to properly dispose of sensitive information and having protocols to change passwords on a regular basis, the chance of preventing a cyber attack is increased.<br><br></li>\n<li><strong>Purchasing <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber insurance</a>. </strong>Whether you are Sony Pictures or operating a small two-person design studio, you are never going to be truly protected without cyber insurance. Sophisticated cyber hackers are now targeting small companies as bigger companies invest in better protections. 43% of all cyber attacks are now against small businesses.<br><br></li>\n<li><strong>Being proactive.</strong> Business owners who are tuned into the ongoing cyber risks will always come out on top because they realize this is a growing exposure. 60% of small business that are hacked never recover and go out of business in 6 months after the cyber attack.<br><br></li>\n<li><strong>Dealing with data</strong>. People don’t think they need cyber insurance because their data is backed up, on another server or encrypted. Unfortunately, anyone dealing with data has an exposure to cyber attacks; this doesn’t ensure cyber security. 90% of all small business have no protocols in place to protect client data. Create a plan and follow it.</li>\n</ol>\n<p><strong>Need cyber insurance?</strong> Peace of Mind starts with a <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">quote for cyber insurance</a>.</p>\n<p class=\"p1\">&nbsp;</p>\n<p style=\"font-size: 14px;\"><em><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for the lowest possible cost in addition to arranging custom policies for the entertainment industry. Should a claim occur, Front Row ensures that their clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</em></p>","rssSummary":"<h2>Cyber attacks in creative industries</h2>\n<p>Content creation companies such those involved in advertising &amp; media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.</p>\n","rssBody":"<h2>Cyber attacks in creative industries</h2>\n<p>Content creation companies such those involved in advertising &amp; media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.</p>\n<!--more--><p style=\"font-size: 18px;\"><span style=\"background-color: transparent;\">Any company that produces creative content usually holds sensitive information for their clients. It could be: a film production company holding scripts from writers; ad agencies holding strategic plans to formulate an ad campaign; photographers holding secret marketing campaign ideas.</span></p>\n<h2><span>4 ways to help prevent cyber attacks:</span><span></span></h2>\n<ol>\n<li><strong>Educating your employees.</strong> All companies can take action by raising awareness through employee training. By teaching your employees how to properly dispose of sensitive information and having protocols to change passwords on a regular basis, the chance of preventing a cyber attack is increased.<br><br></li>\n<li><strong>Purchasing <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber insurance</a>. </strong>Whether you are Sony Pictures or operating a small two-person design studio, you are never going to be truly protected without cyber insurance. 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It could be: a film production company holding scripts from writers; ad agencies holding strategic plans to formulate an ad campaign; photographers holding secret marketing campaign ideas.</span></p>\n<h2><span>4 ways to help prevent cyber attacks:</span><span></span></h2>\n<ol>\n<li><strong>Educating your employees.</strong> All companies can take action by raising awareness through employee training. By teaching your employees how to properly dispose of sensitive information and having protocols to change passwords on a regular basis, the chance of preventing a cyber attack is increased.<br><br></li>\n<li><strong>Purchasing <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber insurance</a>. </strong>Whether you are Sony Pictures or operating a small two-person design studio, you are never going to be truly protected without cyber insurance. 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Create a plan and follow it.</li>\n</ol>\n<p><strong>Need cyber insurance?</strong> Peace of Mind starts with a <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">quote for cyber insurance</a>.</p>\n<p class=\"p1\">&nbsp;</p>\n<p style=\"font-size: 14px;\"><em><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for the lowest possible cost in addition to arranging custom policies for the entertainment industry. Should a claim occur, Front Row ensures that their clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</em></p>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/dno.jpg","tagIds":[125625107734],"tagNames":["Cyber insurance"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1690463268774},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE_NOT_SENT","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<h2>Cyber attacks in creative industries</h2>\n<p>Content creation companies such those involved in advertising &amp; media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.</p>\n<!--more--><p style=\"font-size: 18px;\"><span style=\"background-color: transparent;\">Any company that produces creative content usually holds sensitive information for their clients. It could be: a film production company holding scripts from writers; ad agencies holding strategic plans to formulate an ad campaign; photographers holding secret marketing campaign ideas.</span></p>\n<h2><span>4 ways to help prevent cyber attacks:</span><span></span></h2>\n<ol>\n<li><strong>Educating your employees.</strong> All companies can take action by raising awareness through employee training. By teaching your employees how to properly dispose of sensitive information and having protocols to change passwords on a regular basis, the chance of preventing a cyber attack is increased.<br><br></li>\n<li><strong>Purchasing <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber insurance</a>. </strong>Whether you are Sony Pictures or operating a small two-person design studio, you are never going to be truly protected without cyber insurance. Sophisticated cyber hackers are now targeting small companies as bigger companies invest in better protections. 43% of all cyber attacks are now against small businesses.<br><br></li>\n<li><strong>Being proactive.</strong> Business owners who are tuned into the ongoing cyber risks will always come out on top because they realize this is a growing exposure. 60% of small business that are hacked never recover and go out of business in 6 months after the cyber attack.<br><br></li>\n<li><strong>Dealing with data</strong>. People don’t think they need cyber insurance because their data is backed up, on another server or encrypted. Unfortunately, anyone dealing with data has an exposure to cyber attacks; this doesn’t ensure cyber security. 90% of all small business have no protocols in place to protect client data. Create a plan and follow it.</li>\n</ol>\n<p><strong>Need cyber insurance?</strong> Peace of Mind starts with a <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">quote for cyber insurance</a>.</p>\n<p class=\"p1\">&nbsp;</p>\n<p style=\"font-size: 14px;\"><em><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for the lowest possible cost in addition to arranging custom policies for the entertainment industry. Should a claim occur, Front Row ensures that their clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</em></p>","postEmailContent":"<h2>Cyber attacks in creative industries</h2> \n<p>Content creation companies such those involved in advertising &amp; media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.</p>","postRssContent":"<h2>Cyber attacks in creative industries</h2> \n<p>Content creation companies such those involved in advertising &amp; media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.</p>","rssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/dno.jpg","postListSummaryFeaturedImage":"","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/dno.jpg","keywords":[],"isInstantEmailEnabled":true,"isSocialPublishingEnabled":false,"blogPostAuthor":{"portalId":61352,"id":9474946913,"created":1557244191140,"updated":1557244191140,"deletedAt":0,"fullName":"Grant Patten","email":"grant@frontrowinsurance.com","userId":null,"username":null,"slug":"grant-patten","language":null,"translatedFromId":null,"name":"Grant Patten","translations":{},"displayName":"Grant Patten","twitterUsername":"","hasSocialProfiles":false,"twitter":"","facebook":"","linkedin":"","bio":"Grant Patten - VP, Marketing","website":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/9751f803d54c2340cccdf5025adc9aa4","cosObjectType":"BLOG_AUTHOR","label":"Grant Patten","cdnPurgeEmbargoTime":null},"postTemplate":"prox_frontrow/templates/blog/blog-post.html","topicIds":[125625107734],"topicList":[{"id":125625107734,"portalId":61352,"name":"Cyber insurance","slug":"cyber-insurance","description":"","created":1689864659973,"updated":1689864659973,"deletedAt":0,"categoryId":3,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Cyber insurance","cdnPurgeEmbargoTime":null}],"topicNames":["Cyber insurance"],"areCommentsAllowed":true,"isCaptchaRequired":true,"syncedWithBlogRoot":true,"compositionId":301180,"publicAccessRulesEnabled":false,"publicAccessRules":[],"header":null,"password":null,"layoutSections":{},"pastMabExperimentIds":[],"ab":false,"mab":false,"featuredImageAltText":"Directors and officers: cyber insurance","publishDateLocalTime":1690463268774,"enableLayoutStylesheets":null,"tweet":null,"tweetAt":null,"campaignName":"Cyber","campaignUtm":"Cyber","pageTitle":"4 Ways to Prevent Cyber Attacks in the Creative Industry (Canada)","metaKeywords":null,"metaDescription":"4 ways to prevent cyber attacks if you work in a creative industry. Cyber insurance Canada, cyber hack insurance, cyber insurance arts groups. Front Row.","tweetImmediately":false,"publishImmediately":true,"securityState":"NONE","scheduledUpdateDate":0,"placementGuids":[],"propertyForDynamicPageTitle":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageCanonicalUrl":null,"previewImageSrc":null,"legacyBlogTabid":null,"legacyPostGuid":null,"performableVariationLetter":null,"styleOverrideId":null,"hasUserChanges":true,"css":{},"cssText":"","createdTime":1532039934133,"unpublishedAt":1611952170031,"archivedInDashboard":false,"authorUsername":null,"archivedAt":0,"publishedById":7915797,"allowedSlugConflict":false,"abVariation":false,"abVariationAutomated":false,"mabMaster":false,"mabVariant":false,"linkRelCanonicalUrl":"","publishedUrl":"https://www.frontrowinsurance.com/articles/4-ways-to-prevent-cyber-attacks-in-the-creative-industry","pageRedirected":false,"pageExpiryEnabled":null,"pageExpiryDate":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"translatedContent":{},"deletedBy":null,"stateWhenDeleted":null,"clonedFrom":null,"stagedFrom":null,"personas":[],"composeBody":null,"featuredImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/dno.jpg","featuredImageWidth":600,"featuredImageHeight":400,"publishTimezoneOffset":null,"themeSettingsValues":null,"isInstanceLayoutPage":false,"headHtml":null,"footerHtml":null,"attachedStylesheets":[],"enableDomainStylesheets":null,"includeDefaultCustomCss":null,"title":"4 Ways to Prevent Cyber Attacks in the Creative Industry (Canada)","publishedAt":1690463268774,"url":"https://www.frontrowinsurance.com/articles/4-ways-to-prevent-cyber-attacks-in-the-creative-industry","author":null,"cdnPurgeEmbargoTime":null,"label":"4 Ways to Prevent Cyber Attacks in the Creative Industry (Canada)","currentState":"PUBLISHED","lastEditSessionId":null,"lastEditUpdateId":null,"contentTypeCategory":3,"analyticsPageType":"blog-post","currentlyPublished":true,"contentTypeCategoryId":3,"category":3,"isPublished":true,"topics":[125625107734],"meta":{"public_access_rules_enabled":false,"public_access_rules":[],"html_title":"4 Ways to Prevent Cyber Attacks in the Creative Industry (Canada)","post_summary":"<h2>Cyber attacks in creative industries</h2>\n<p>Content creation companies such those involved in advertising &amp; media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.</p>\n","post_body":"<h2>Cyber attacks in creative industries</h2>\n<p>Content creation companies such those involved in advertising &amp; media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.</p>\n<!--more--><p style=\"font-size: 18px;\"><span style=\"background-color: transparent;\">Any company that produces creative content usually holds sensitive information for their clients. It could be: a film production company holding scripts from writers; ad agencies holding strategic plans to formulate an ad campaign; photographers holding secret marketing campaign ideas.</span></p>\n<h2><span>4 ways to help prevent cyber attacks:</span><span></span></h2>\n<ol>\n<li><strong>Educating your employees.</strong> All companies can take action by raising awareness through employee training. By teaching your employees how to properly dispose of sensitive information and having protocols to change passwords on a regular basis, the chance of preventing a cyber attack is increased.<br><br></li>\n<li><strong>Purchasing <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber insurance</a>. </strong>Whether you are Sony Pictures or operating a small two-person design studio, you are never going to be truly protected without cyber insurance. Sophisticated cyber hackers are now targeting small companies as bigger companies invest in better protections. 43% of all cyber attacks are now against small businesses.<br><br></li>\n<li><strong>Being proactive.</strong> Business owners who are tuned into the ongoing cyber risks will always come out on top because they realize this is a growing exposure. 60% of small business that are hacked never recover and go out of business in 6 months after the cyber attack.<br><br></li>\n<li><strong>Dealing with data</strong>. People don’t think they need cyber insurance because their data is backed up, on another server or encrypted. Unfortunately, anyone dealing with data has an exposure to cyber attacks; this doesn’t ensure cyber security. 90% of all small business have no protocols in place to protect client data. Create a plan and follow it.</li>\n</ol>\n<p><strong>Need cyber insurance?</strong> Peace of Mind starts with a <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">quote for cyber insurance</a>.</p>\n<p class=\"p1\">&nbsp;</p>\n<p style=\"font-size: 14px;\"><em><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for the lowest possible cost in addition to arranging custom policies for the entertainment industry. Should a claim occur, Front Row ensures that their clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</em></p>","rss_summary":"<h2>Cyber attacks in creative industries</h2>\n<p>Content creation companies such those involved in advertising &amp; media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.</p>\n","rss_body":"<h2>Cyber attacks in creative industries</h2>\n<p>Content creation companies such those involved in advertising &amp; media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.</p>\n<!--more--><p style=\"font-size: 18px;\"><span style=\"background-color: transparent;\">Any company that produces creative content usually holds sensitive information for their clients. It could be: a film production company holding scripts from writers; ad agencies holding strategic plans to formulate an ad campaign; photographers holding secret marketing campaign ideas.</span></p>\n<h2><span>4 ways to help prevent cyber attacks:</span><span></span></h2>\n<ol>\n<li><strong>Educating your employees.</strong> All companies can take action by raising awareness through employee training. By teaching your employees how to properly dispose of sensitive information and having protocols to change passwords on a regular basis, the chance of preventing a cyber attack is increased.<br><br></li>\n<li><strong>Purchasing <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">cyber insurance</a>. </strong>Whether you are Sony Pictures or operating a small two-person design studio, you are never going to be truly protected without cyber insurance. Sophisticated cyber hackers are now targeting small companies as bigger companies invest in better protections. 43% of all cyber attacks are now against small businesses.<br><br></li>\n<li><strong>Being proactive.</strong> Business owners who are tuned into the ongoing cyber risks will always come out on top because they realize this is a growing exposure. 60% of small business that are hacked never recover and go out of business in 6 months after the cyber attack.<br><br></li>\n<li><strong>Dealing with data</strong>. People don’t think they need cyber insurance because their data is backed up, on another server or encrypted. Unfortunately, anyone dealing with data has an exposure to cyber attacks; this doesn’t ensure cyber security. 90% of all small business have no protocols in place to protect client data. Create a plan and follow it.</li>\n</ol>\n<p><strong>Need cyber insurance?</strong> Peace of Mind starts with a <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\">quote for cyber insurance</a>.</p>\n<p class=\"p1\">&nbsp;</p>\n<p style=\"font-size: 14px;\"><em><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber and office insurance for the lowest possible cost in addition to arranging custom policies for the entertainment industry. Should a claim occur, Front Row ensures that their clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</em></p>","use_featured_image":true,"tag_ids":[125625107734],"topic_ids":[125625107734],"enable_google_amp_output_override":false,"generate_json_ld_enabled":true,"blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE_NOT_SENT","blog_publish_instant_email_task_uid":"DONE","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":null,"keywords":[],"composition_id":301180,"header":null,"password":null,"published_at":1690463268774,"layout_sections":{},"past_mab_experiment_ids":[],"meta_description":"4 ways to prevent cyber attacks if you work in a creative industry. Cyber insurance Canada, cyber hack insurance, cyber insurance arts groups. Front Row.","meta_keywords":null,"featured_image_width":600,"featured_image_height":400,"publish_timezone_offset":null,"theme_settings_values":null,"featured_image_alt_text":"Directors and officers: cyber insurance","enable_layout_stylesheets":null,"tweet":null,"tweet_at":null,"campaign_name":"Cyber","campaign_utm":"Cyber","tweet_immediately":false,"publish_immediately":true,"security_state":"NONE","scheduled_update_date":0,"placement_guids":[],"property_for_dynamic_page_title":null,"property_for_dynamic_page_slug":null,"property_for_dynamic_page_meta_description":null,"property_for_dynamic_page_featured_image":null,"property_for_dynamic_page_canonical_url":null,"preview_image_src":null,"legacy_blog_tabid":null,"legacy_post_guid":null,"performable_variation_letter":null,"style_override_id":null,"has_user_changes":true,"css":{},"css_text":"","unpublished_at":1611952170031,"published_by_id":7915797,"allowed_slug_conflict":false,"link_rel_canonical_url":"","page_redirected":false,"page_expiry_enabled":null,"page_expiry_date":null,"page_expiry_redirect_id":null,"page_expiry_redirect_url":null,"deleted_by":null,"state_when_deleted":null,"cloned_from":null,"staged_from":null,"personas":[],"compose_body":null,"featured_image":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/dno.jpg","head_html":null,"footer_html":null,"attached_stylesheets":[],"enable_domain_stylesheets":null,"include_default_custom_css":null,"last_edit_session_id":null,"last_edit_update_id":null}},{"portalId":61352,"siteId":null,"id":33027084766,"slug":"articles/if-youre-hit-with-ransomware-youll-want-cyber-insurance","contentTypeId":null,"contentGroupId":952267656,"campaign":"bebb8aff-3a38-4bb7-bcdd-ec6e75054520","categoryId":3,"state":"PUBLISHED","publishDate":1690307853363,"created":1596044782496,"updated":1690324451153,"templatePath":"","name":"If You’re Hit with Ransomware, You’ll Want Cyber Insurance (Canada)","mabExperimentId":null,"archived":false,"authorName":null,"deletedAt":0,"freezeDate":1690307853363,"processingStatus":"PUBLISHED","previewKey":"mAtJBljP","abTestId":null,"createdById":7915797,"updatedById":7915797,"domain":"","resolvedDomain":"www.frontrowinsurance.com","legacyId":null,"performableGuid":null,"isDraft":false,"subcategory":"normal_blog_post","abStatus":null,"blueprintTypeId":0,"folderId":null,"analyticsPageId":"33027084766","flexAreas":{},"widgetContainers":{},"widgets":{"post_body":{"body":{"html":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>\n<!--more--><h2 style=\"font-size: 36px;\">Small Business Owners: If You’re Hit with Ransomware, You’ll Want Cyber Insurance</h2>\n<p class=\"p1\">Don’t think a ransomware hack could happen to <i>your</i> small business? Well, think again!</p>\n<p class=\"p1\">Perhaps the fastest-growing cybersecurity threat in Canada right now is ransomware, a type of malware (malicious software) that uses sophisticated encryption to block access to a computer, network and/or data until a sum of money is paid.</p>\n<p class=\"p1\">Ransoms typically range from $800 to $5,000 (but sometimes <i>much</i> more), as most cybercriminals are aware that a business can’t operate without its computer system or important client data and the fee is just manageable enough for most companies to pay.</p>\n<p class=\"p1\">Just look at the below real-life examples of <strong>ransomware attacks on small businesses</strong> to see how real this threat is:</p>\n<h3>Toronto Accounting Firm Ransomware Hack (2020) / Who does ransomware target?</h3>\n<p class=\"p1\">An accounting firm based in Toronto was hit by ransomware in 2020. The ransomware encrypted various confidential reports, including an expense form from one of the firm’s main partners.</p>\n<p class=\"p1\">Additionally, the hackers stole some documents and auctioned them off on the dark web. Typically, hackers auction off such data to increase pressure on victim companies to pay up for decryption keys.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, <strong>theft and fraud coverage</strong> is included to cover destruction or loss of digital data resulting from a criminal cyber event.</p>\n<h3>Toronto Dental Clinic Ransomware Hack (2019) / Who does ransomware target?</h3>\n<p class=\"p1\">Also in 2019, an anonymous Toronto dental clinic was hit by the Ryuk ransomware attack. <i></i>The ransomware locked staff out of digital files for at least a day and they had to take notes on paper. The dentist said files on 19 out of the clinic's 22 computers became encrypted.</p>\n<p class=\"p1\">The hacker initially demanded nine bitcoins (nearly $100,000) to decrypt the dental clinic’s files, but later increased that price to 15 bitcoins ($165,000). The dentist opted not to pay the ransom because they had a good backup in place.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> may be included to determine how, exactly, a hack occurred, and to assess the impact of the attack. (Determination of whether or not a forensic investigation will be triggered depends on the circumstances of each claim.)</p>\n<h3>Montreal Insurance Brokerage Ransomware Hack (2016) / Who does ransomware target?</h3>\n<p class=\"p1\">An insurance brokerage based in Montreal experienced a ransomware attack in early 2016. A mysterious error message began appearing on their system: <i>“The system cannot access the database.”</i> Upon consulting their IT firm, it was discovered that ransomware had been installed onto the brokerage’s system through an email attachment that an unsuspecting employee had opened. The ransomware had encrypted all the brokerage’s client data, including emails, PDFs and other policy documents, rendering the data completely inaccessible until a sum of money was paid – $2,300 CAD.</p>\n<p class=\"p1\">“To deal with the ransomware, I called my tech support team and we had backed up our data, but unfortunately it wasn’t completely up-to-date; the latest backup was six weeks in the past,” recalled the brokerage President. “It was important for us to retrieve the latest data, so I made the difficult decision to pay the ransom. It came down to paying $2,300 or losing six weeks of work, so I chose the former.”</p>\n<h3>Why ransomware hackers use Bitcoin:</h3>\n<p class=\"p1\">The ransomware attacker insisted the brokerage pay via the digital currency system Bitcoin in order to make the payment untraceable. Due to the elaborate software architecture that stands behind this currency, which uses cryptography to secure transactions, it is extremely difficult to find out who is actually exchanging the Bitcoins, much less what they’re selling.</p>\n<h3>Ransomware Prevention | Ransomware Remediation | Ransomware Protection Tips</h3>\n<p class=\"p1\">So, what should other companies do to avoid the same thorny situations as mentioned in the above real-life examples? Maintaining an on-site <strong>data backup solution</strong> is certainly prudent; however, these backups must be frequent and thorough to be effective, and relying solely on local backups is generally inadvisable. Companies could also implement a backup in the cloud, which means sending copies of data to at least one secure off-site server. Leaders in the cloud backup space include Dropbox, Amazon Web Services and Microsoft Azure.</p>\n<p class=\"p1\">But, of course, the best approach is to avoid being infected with ransomware in the first place. <strong>Educate employees</strong> about how to recognize suspicious emails. As the primary installation source of ransomware is online advertisements, according to security firm Symantec, be careful about clicking on Internet ads.</p>\n<p class=\"p1\">Most software products have different <strong>authorization levels</strong> that can be customized; business owners should take advantage of this feature to create different access levels for employees, giving each employee access only to the areas they need for their work, and restricting them from the others.</p>\n<p class=\"p1\">And, of course, don’t neglect the basics: make sure your <strong>antivirus software</strong> is regularly updated and your systems are regularly patched. A multi-layered defense comprised of a next-generation firewall (NGFW) will reduce the number of successful ransomware attacks on your internal network. NGFWs can cost under $1,000 and leaders in this space include Palo Alto, Cisco, Barracuda and Juniper.</p>\n<h3>Get Ransomware Insurance / Cyber Insurance / Cyber Liability Insurance / Cyber Risk Insurance</h3>\n<p class=\"p1\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row’s cyber liability insurance policy</span></a> includes <strong>Extortion &amp; Ransomware coverage</strong> for costs associated with payments to those who threaten to disclose sensitive information.</p>\n<p class=\"p1\">Protect your data and your clients' data. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Front Row's cyber insurance policy</strong></span></a> is available now; contact Front Row for a cyber insurance quote.</p>\n<p class=\"p1\"><i>90% of small businesses in Canada do not have Cyber Insurance:</i> take a few minutes to protect your business that has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p1\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</i></p>\n<h3>Citations:</h3>\n<ul>\n<li class=\"p7\"><span style=\"font-size: 14px;\"><span class=\"s3\"><a href=\"https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/\">https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/</a></span></span></li>\n<li class=\"p7\"><a href=\"https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871\">https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871</a></li>\n<li class=\"p7\"><a href=\"https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare\">https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare</a></li>\n<li class=\"p7\"><a href=\"https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049\">https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049</a></li>\n</ul>\n<p class=\"p8\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>"},"id":"post_body","name":"post_body","type":"rich_text","label":"Blog Content"},"name":{"body":{"title":"If You’re Hit with Ransomware, You’ll Want Cyber Insurance (Canada)"},"id":"name","name":"name","type":"text","label":"Title"},"module_15965216980304":{"body":{"add_content":"","enable_rich_text_module":false,"module_id":33156769794},"css":{},"child_css":{},"id":"module_15965216980304","name":"module_15965216980304","type":"module","order":7,"label":"Basic Rich Text Box for Blog","smart_type":null,"styles":{},"module_id":33156769794},"module_15960847531069":{"body":{"wrap_field_tag":"div","enable_form":false,"path":"/Coded files/Custom/blog/FrontRow2014/Blog Subscribe New Module 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special event insurance","nextPostFeaturedImage":"","nextPostFeaturedImageAltText":"","afterPostBody":null,"templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":true,"htmlTitle":"If You’re Hit with Ransomware, You’ll Want Cyber Insurance (Canada)","audienceAccess":"PUBLIC","postSummary":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>\n","postBody":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>\n<!--more--><h2 style=\"font-size: 36px;\">Small Business Owners: If You’re Hit with Ransomware, You’ll Want Cyber Insurance</h2>\n<p class=\"p1\">Don’t think a ransomware hack could happen to <i>your</i> small business? Well, think again!</p>\n<p class=\"p1\">Perhaps the fastest-growing cybersecurity threat in Canada right now is ransomware, a type of malware (malicious software) that uses sophisticated encryption to block access to a computer, network and/or data until a sum of money is paid.</p>\n<p class=\"p1\">Ransoms typically range from $800 to $5,000 (but sometimes <i>much</i> more), as most cybercriminals are aware that a business can’t operate without its computer system or important client data and the fee is just manageable enough for most companies to pay.</p>\n<p class=\"p1\">Just look at the below real-life examples of <strong>ransomware attacks on small businesses</strong> to see how real this threat is:</p>\n<h3>Toronto Accounting Firm Ransomware Hack (2020) / Who does ransomware target?</h3>\n<p class=\"p1\">An accounting firm based in Toronto was hit by ransomware in 2020. The ransomware encrypted various confidential reports, including an expense form from one of the firm’s main partners.</p>\n<p class=\"p1\">Additionally, the hackers stole some documents and auctioned them off on the dark web. Typically, hackers auction off such data to increase pressure on victim companies to pay up for decryption keys.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, <strong>theft and fraud coverage</strong> is included to cover destruction or loss of digital data resulting from a criminal cyber event.</p>\n<h3>Toronto Dental Clinic Ransomware Hack (2019) / Who does ransomware target?</h3>\n<p class=\"p1\">Also in 2019, an anonymous Toronto dental clinic was hit by the Ryuk ransomware attack. <i></i>The ransomware locked staff out of digital files for at least a day and they had to take notes on paper. The dentist said files on 19 out of the clinic's 22 computers became encrypted.</p>\n<p class=\"p1\">The hacker initially demanded nine bitcoins (nearly $100,000) to decrypt the dental clinic’s files, but later increased that price to 15 bitcoins ($165,000). The dentist opted not to pay the ransom because they had a good backup in place.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> may be included to determine how, exactly, a hack occurred, and to assess the impact of the attack. (Determination of whether or not a forensic investigation will be triggered depends on the circumstances of each claim.)</p>\n<h3>Montreal Insurance Brokerage Ransomware Hack (2016) / Who does ransomware target?</h3>\n<p class=\"p1\">An insurance brokerage based in Montreal experienced a ransomware attack in early 2016. A mysterious error message began appearing on their system: <i>“The system cannot access the database.”</i> Upon consulting their IT firm, it was discovered that ransomware had been installed onto the brokerage’s system through an email attachment that an unsuspecting employee had opened. The ransomware had encrypted all the brokerage’s client data, including emails, PDFs and other policy documents, rendering the data completely inaccessible until a sum of money was paid – $2,300 CAD.</p>\n<p class=\"p1\">“To deal with the ransomware, I called my tech support team and we had backed up our data, but unfortunately it wasn’t completely up-to-date; the latest backup was six weeks in the past,” recalled the brokerage President. “It was important for us to retrieve the latest data, so I made the difficult decision to pay the ransom. It came down to paying $2,300 or losing six weeks of work, so I chose the former.”</p>\n<h3>Why ransomware hackers use Bitcoin:</h3>\n<p class=\"p1\">The ransomware attacker insisted the brokerage pay via the digital currency system Bitcoin in order to make the payment untraceable. Due to the elaborate software architecture that stands behind this currency, which uses cryptography to secure transactions, it is extremely difficult to find out who is actually exchanging the Bitcoins, much less what they’re selling.</p>\n<h3>Ransomware Prevention | Ransomware Remediation | Ransomware Protection Tips</h3>\n<p class=\"p1\">So, what should other companies do to avoid the same thorny situations as mentioned in the above real-life examples? Maintaining an on-site <strong>data backup solution</strong> is certainly prudent; however, these backups must be frequent and thorough to be effective, and relying solely on local backups is generally inadvisable. Companies could also implement a backup in the cloud, which means sending copies of data to at least one secure off-site server. Leaders in the cloud backup space include Dropbox, Amazon Web Services and Microsoft Azure.</p>\n<p class=\"p1\">But, of course, the best approach is to avoid being infected with ransomware in the first place. <strong>Educate employees</strong> about how to recognize suspicious emails. As the primary installation source of ransomware is online advertisements, according to security firm Symantec, be careful about clicking on Internet ads.</p>\n<p class=\"p1\">Most software products have different <strong>authorization levels</strong> that can be customized; business owners should take advantage of this feature to create different access levels for employees, giving each employee access only to the areas they need for their work, and restricting them from the others.</p>\n<p class=\"p1\">And, of course, don’t neglect the basics: make sure your <strong>antivirus software</strong> is regularly updated and your systems are regularly patched. A multi-layered defense comprised of a next-generation firewall (NGFW) will reduce the number of successful ransomware attacks on your internal network. NGFWs can cost under $1,000 and leaders in this space include Palo Alto, Cisco, Barracuda and Juniper.</p>\n<h3>Get Ransomware Insurance / Cyber Insurance / Cyber Liability Insurance / Cyber Risk Insurance</h3>\n<p class=\"p1\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row’s cyber liability insurance policy</span></a> includes <strong>Extortion &amp; Ransomware coverage</strong> for costs associated with payments to those who threaten to disclose sensitive information.</p>\n<p class=\"p1\">Protect your data and your clients' data. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Front Row's cyber insurance policy</strong></span></a> is available now; contact Front Row for a cyber insurance quote.</p>\n<p class=\"p1\"><i>90% of small businesses in Canada do not have Cyber Insurance:</i> take a few minutes to protect your business that has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p1\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</i></p>\n<h3>Citations:</h3>\n<ul>\n<li class=\"p7\"><span style=\"font-size: 14px;\"><span class=\"s3\"><a href=\"https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/\">https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/</a></span></span></li>\n<li class=\"p7\"><a href=\"https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871\">https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871</a></li>\n<li class=\"p7\"><a href=\"https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare\">https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare</a></li>\n<li class=\"p7\"><a href=\"https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049\">https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049</a></li>\n</ul>\n<p class=\"p8\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","rssSummary":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>\n","rssBody":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>\n<!--more--><h2 style=\"font-size: 36px;\">Small Business Owners: If You’re Hit with Ransomware, You’ll Want Cyber Insurance</h2>\n<p class=\"p1\">Don’t think a ransomware hack could happen to <i>your</i> small business? Well, think again!</p>\n<p class=\"p1\">Perhaps the fastest-growing cybersecurity threat in Canada right now is ransomware, a type of malware (malicious software) that uses sophisticated encryption to block access to a computer, network and/or data until a sum of money is paid.</p>\n<p class=\"p1\">Ransoms typically range from $800 to $5,000 (but sometimes <i>much</i> more), as most cybercriminals are aware that a business can’t operate without its computer system or important client data and the fee is just manageable enough for most companies to pay.</p>\n<p class=\"p1\">Just look at the below real-life examples of <strong>ransomware attacks on small businesses</strong> to see how real this threat is:</p>\n<h3>Toronto Accounting Firm Ransomware Hack (2020) / Who does ransomware target?</h3>\n<p class=\"p1\">An accounting firm based in Toronto was hit by ransomware in 2020. The ransomware encrypted various confidential reports, including an expense form from one of the firm’s main partners.</p>\n<p class=\"p1\">Additionally, the hackers stole some documents and auctioned them off on the dark web. Typically, hackers auction off such data to increase pressure on victim companies to pay up for decryption keys.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, <strong>theft and fraud coverage</strong> is included to cover destruction or loss of digital data resulting from a criminal cyber event.</p>\n<h3>Toronto Dental Clinic Ransomware Hack (2019) / Who does ransomware target?</h3>\n<p class=\"p1\">Also in 2019, an anonymous Toronto dental clinic was hit by the Ryuk ransomware attack. <i></i>The ransomware locked staff out of digital files for at least a day and they had to take notes on paper. The dentist said files on 19 out of the clinic's 22 computers became encrypted.</p>\n<p class=\"p1\">The hacker initially demanded nine bitcoins (nearly $100,000) to decrypt the dental clinic’s files, but later increased that price to 15 bitcoins ($165,000). The dentist opted not to pay the ransom because they had a good backup in place.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> may be included to determine how, exactly, a hack occurred, and to assess the impact of the attack. (Determination of whether or not a forensic investigation will be triggered depends on the circumstances of each claim.)</p>\n<h3>Montreal Insurance Brokerage Ransomware Hack (2016) / Who does ransomware target?</h3>\n<p class=\"p1\">An insurance brokerage based in Montreal experienced a ransomware attack in early 2016. A mysterious error message began appearing on their system: <i>“The system cannot access the database.”</i> Upon consulting their IT firm, it was discovered that ransomware had been installed onto the brokerage’s system through an email attachment that an unsuspecting employee had opened. The ransomware had encrypted all the brokerage’s client data, including emails, PDFs and other policy documents, rendering the data completely inaccessible until a sum of money was paid – $2,300 CAD.</p>\n<p class=\"p1\">“To deal with the ransomware, I called my tech support team and we had backed up our data, but unfortunately it wasn’t completely up-to-date; the latest backup was six weeks in the past,” recalled the brokerage President. “It was important for us to retrieve the latest data, so I made the difficult decision to pay the ransom. It came down to paying $2,300 or losing six weeks of work, so I chose the former.”</p>\n<h3>Why ransomware hackers use Bitcoin:</h3>\n<p class=\"p1\">The ransomware attacker insisted the brokerage pay via the digital currency system Bitcoin in order to make the payment untraceable. Due to the elaborate software architecture that stands behind this currency, which uses cryptography to secure transactions, it is extremely difficult to find out who is actually exchanging the Bitcoins, much less what they’re selling.</p>\n<h3>Ransomware Prevention | Ransomware Remediation | Ransomware Protection Tips</h3>\n<p class=\"p1\">So, what should other companies do to avoid the same thorny situations as mentioned in the above real-life examples? Maintaining an on-site <strong>data backup solution</strong> is certainly prudent; however, these backups must be frequent and thorough to be effective, and relying solely on local backups is generally inadvisable. Companies could also implement a backup in the cloud, which means sending copies of data to at least one secure off-site server. Leaders in the cloud backup space include Dropbox, Amazon Web Services and Microsoft Azure.</p>\n<p class=\"p1\">But, of course, the best approach is to avoid being infected with ransomware in the first place. <strong>Educate employees</strong> about how to recognize suspicious emails. As the primary installation source of ransomware is online advertisements, according to security firm Symantec, be careful about clicking on Internet ads.</p>\n<p class=\"p1\">Most software products have different <strong>authorization levels</strong> that can be customized; business owners should take advantage of this feature to create different access levels for employees, giving each employee access only to the areas they need for their work, and restricting them from the others.</p>\n<p class=\"p1\">And, of course, don’t neglect the basics: make sure your <strong>antivirus software</strong> is regularly updated and your systems are regularly patched. A multi-layered defense comprised of a next-generation firewall (NGFW) will reduce the number of successful ransomware attacks on your internal network. NGFWs can cost under $1,000 and leaders in this space include Palo Alto, Cisco, Barracuda and Juniper.</p>\n<h3>Get Ransomware Insurance / Cyber Insurance / Cyber Liability Insurance / Cyber Risk Insurance</h3>\n<p class=\"p1\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row’s cyber liability insurance policy</span></a> includes <strong>Extortion &amp; Ransomware coverage</strong> for costs associated with payments to those who threaten to disclose sensitive information.</p>\n<p class=\"p1\">Protect your data and your clients' data. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Front Row's cyber insurance policy</strong></span></a> is available now; contact Front Row for a cyber insurance quote.</p>\n<p class=\"p1\"><i>90% of small businesses in Canada do not have Cyber Insurance:</i> take a few minutes to protect your business that has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p1\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</i></p>\n<h3>Citations:</h3>\n<ul>\n<li class=\"p7\"><span style=\"font-size: 14px;\"><span class=\"s3\"><a href=\"https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/\">https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/</a></span></span></li>\n<li class=\"p7\"><a href=\"https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871\">https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871</a></li>\n<li class=\"p7\"><a href=\"https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare\">https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare</a></li>\n<li class=\"p7\"><a href=\"https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049\">https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049</a></li>\n</ul>\n<p class=\"p8\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","postSummaryRss":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>","postBodyRss":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>\n<!--more--><h2 style=\"font-size: 36px;\">Small Business Owners: If You’re Hit with Ransomware, You’ll Want Cyber Insurance</h2>\n<p class=\"p1\">Don’t think a ransomware hack could happen to <i>your</i> small business? Well, think again!</p>\n<p class=\"p1\">Perhaps the fastest-growing cybersecurity threat in Canada right now is ransomware, a type of malware (malicious software) that uses sophisticated encryption to block access to a computer, network and/or data until a sum of money is paid.</p>\n<p class=\"p1\">Ransoms typically range from $800 to $5,000 (but sometimes <i>much</i> more), as most cybercriminals are aware that a business can’t operate without its computer system or important client data and the fee is just manageable enough for most companies to pay.</p>\n<p class=\"p1\">Just look at the below real-life examples of <strong>ransomware attacks on small businesses</strong> to see how real this threat is:</p>\n<h3>Toronto Accounting Firm Ransomware Hack (2020) / Who does ransomware target?</h3>\n<p class=\"p1\">An accounting firm based in Toronto was hit by ransomware in 2020. The ransomware encrypted various confidential reports, including an expense form from one of the firm’s main partners.</p>\n<p class=\"p1\">Additionally, the hackers stole some documents and auctioned them off on the dark web. Typically, hackers auction off such data to increase pressure on victim companies to pay up for decryption keys.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, <strong>theft and fraud coverage</strong> is included to cover destruction or loss of digital data resulting from a criminal cyber event.</p>\n<h3>Toronto Dental Clinic Ransomware Hack (2019) / Who does ransomware target?</h3>\n<p class=\"p1\">Also in 2019, an anonymous Toronto dental clinic was hit by the Ryuk ransomware attack. <i></i>The ransomware locked staff out of digital files for at least a day and they had to take notes on paper. The dentist said files on 19 out of the clinic's 22 computers became encrypted.</p>\n<p class=\"p1\">The hacker initially demanded nine bitcoins (nearly $100,000) to decrypt the dental clinic’s files, but later increased that price to 15 bitcoins ($165,000). The dentist opted not to pay the ransom because they had a good backup in place.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> may be included to determine how, exactly, a hack occurred, and to assess the impact of the attack. (Determination of whether or not a forensic investigation will be triggered depends on the circumstances of each claim.)</p>\n<h3>Montreal Insurance Brokerage Ransomware Hack (2016) / Who does ransomware target?</h3>\n<p class=\"p1\">An insurance brokerage based in Montreal experienced a ransomware attack in early 2016. A mysterious error message began appearing on their system: <i>“The system cannot access the database.”</i> Upon consulting their IT firm, it was discovered that ransomware had been installed onto the brokerage’s system through an email attachment that an unsuspecting employee had opened. The ransomware had encrypted all the brokerage’s client data, including emails, PDFs and other policy documents, rendering the data completely inaccessible until a sum of money was paid – $2,300 CAD.</p>\n<p class=\"p1\">“To deal with the ransomware, I called my tech support team and we had backed up our data, but unfortunately it wasn’t completely up-to-date; the latest backup was six weeks in the past,” recalled the brokerage President. “It was important for us to retrieve the latest data, so I made the difficult decision to pay the ransom. It came down to paying $2,300 or losing six weeks of work, so I chose the former.”</p>\n<h3>Why ransomware hackers use Bitcoin:</h3>\n<p class=\"p1\">The ransomware attacker insisted the brokerage pay via the digital currency system Bitcoin in order to make the payment untraceable. Due to the elaborate software architecture that stands behind this currency, which uses cryptography to secure transactions, it is extremely difficult to find out who is actually exchanging the Bitcoins, much less what they’re selling.</p>\n<h3>Ransomware Prevention | Ransomware Remediation | Ransomware Protection Tips</h3>\n<p class=\"p1\">So, what should other companies do to avoid the same thorny situations as mentioned in the above real-life examples? Maintaining an on-site <strong>data backup solution</strong> is certainly prudent; however, these backups must be frequent and thorough to be effective, and relying solely on local backups is generally inadvisable. Companies could also implement a backup in the cloud, which means sending copies of data to at least one secure off-site server. Leaders in the cloud backup space include Dropbox, Amazon Web Services and Microsoft Azure.</p>\n<p class=\"p1\">But, of course, the best approach is to avoid being infected with ransomware in the first place. <strong>Educate employees</strong> about how to recognize suspicious emails. As the primary installation source of ransomware is online advertisements, according to security firm Symantec, be careful about clicking on Internet ads.</p>\n<p class=\"p1\">Most software products have different <strong>authorization levels</strong> that can be customized; business owners should take advantage of this feature to create different access levels for employees, giving each employee access only to the areas they need for their work, and restricting them from the others.</p>\n<p class=\"p1\">And, of course, don’t neglect the basics: make sure your <strong>antivirus software</strong> is regularly updated and your systems are regularly patched. A multi-layered defense comprised of a next-generation firewall (NGFW) will reduce the number of successful ransomware attacks on your internal network. NGFWs can cost under $1,000 and leaders in this space include Palo Alto, Cisco, Barracuda and Juniper.</p>\n<h3>Get Ransomware Insurance / Cyber Insurance / Cyber Liability Insurance / Cyber Risk Insurance</h3>\n<p class=\"p1\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row’s cyber liability insurance policy</span></a> includes <strong>Extortion &amp; Ransomware coverage</strong> for costs associated with payments to those who threaten to disclose sensitive information.</p>\n<p class=\"p1\">Protect your data and your clients' data. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Front Row's cyber insurance policy</strong></span></a> is available now; contact Front Row for a cyber insurance quote.</p>\n<p class=\"p1\"><i>90% of small businesses in Canada do not have Cyber Insurance:</i> take a few minutes to protect your business that has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p1\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</i></p>\n<h3>Citations:</h3>\n<ul>\n<li class=\"p7\"><span style=\"font-size: 14px;\"><span class=\"s3\"><a href=\"https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/\">https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/</a></span></span></li>\n<li class=\"p7\"><a href=\"https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871\">https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871</a></li>\n<li class=\"p7\"><a href=\"https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare\">https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare</a></li>\n<li class=\"p7\"><a href=\"https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049\">https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049</a></li>\n</ul>\n<p class=\"p8\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/ransomware/ransomware-shutterstock_659365795-forweb600.jpg","tagIds":[125625107734],"tagNames":["Cyber insurance"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1690307853363},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"61352-33027084766-1690324451133","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>\n<!--more--><h2 style=\"font-size: 36px;\">Small Business Owners: If You’re Hit with Ransomware, You’ll Want Cyber Insurance</h2>\n<p class=\"p1\">Don’t think a ransomware hack could happen to <i>your</i> small business? Well, think again!</p>\n<p class=\"p1\">Perhaps the fastest-growing cybersecurity threat in Canada right now is ransomware, a type of malware (malicious software) that uses sophisticated encryption to block access to a computer, network and/or data until a sum of money is paid.</p>\n<p class=\"p1\">Ransoms typically range from $800 to $5,000 (but sometimes <i>much</i> more), as most cybercriminals are aware that a business can’t operate without its computer system or important client data and the fee is just manageable enough for most companies to pay.</p>\n<p class=\"p1\">Just look at the below real-life examples of <strong>ransomware attacks on small businesses</strong> to see how real this threat is:</p>\n<h3>Toronto Accounting Firm Ransomware Hack (2020) / Who does ransomware target?</h3>\n<p class=\"p1\">An accounting firm based in Toronto was hit by ransomware in 2020. The ransomware encrypted various confidential reports, including an expense form from one of the firm’s main partners.</p>\n<p class=\"p1\">Additionally, the hackers stole some documents and auctioned them off on the dark web. Typically, hackers auction off such data to increase pressure on victim companies to pay up for decryption keys.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, <strong>theft and fraud coverage</strong> is included to cover destruction or loss of digital data resulting from a criminal cyber event.</p>\n<h3>Toronto Dental Clinic Ransomware Hack (2019) / Who does ransomware target?</h3>\n<p class=\"p1\">Also in 2019, an anonymous Toronto dental clinic was hit by the Ryuk ransomware attack. <i></i>The ransomware locked staff out of digital files for at least a day and they had to take notes on paper. The dentist said files on 19 out of the clinic's 22 computers became encrypted.</p>\n<p class=\"p1\">The hacker initially demanded nine bitcoins (nearly $100,000) to decrypt the dental clinic’s files, but later increased that price to 15 bitcoins ($165,000). The dentist opted not to pay the ransom because they had a good backup in place.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> may be included to determine how, exactly, a hack occurred, and to assess the impact of the attack. (Determination of whether or not a forensic investigation will be triggered depends on the circumstances of each claim.)</p>\n<h3>Montreal Insurance Brokerage Ransomware Hack (2016) / Who does ransomware target?</h3>\n<p class=\"p1\">An insurance brokerage based in Montreal experienced a ransomware attack in early 2016. A mysterious error message began appearing on their system: <i>“The system cannot access the database.”</i> Upon consulting their IT firm, it was discovered that ransomware had been installed onto the brokerage’s system through an email attachment that an unsuspecting employee had opened. The ransomware had encrypted all the brokerage’s client data, including emails, PDFs and other policy documents, rendering the data completely inaccessible until a sum of money was paid – $2,300 CAD.</p>\n<p class=\"p1\">“To deal with the ransomware, I called my tech support team and we had backed up our data, but unfortunately it wasn’t completely up-to-date; the latest backup was six weeks in the past,” recalled the brokerage President. “It was important for us to retrieve the latest data, so I made the difficult decision to pay the ransom. It came down to paying $2,300 or losing six weeks of work, so I chose the former.”</p>\n<h3>Why ransomware hackers use Bitcoin:</h3>\n<p class=\"p1\">The ransomware attacker insisted the brokerage pay via the digital currency system Bitcoin in order to make the payment untraceable. Due to the elaborate software architecture that stands behind this currency, which uses cryptography to secure transactions, it is extremely difficult to find out who is actually exchanging the Bitcoins, much less what they’re selling.</p>\n<h3>Ransomware Prevention | Ransomware Remediation | Ransomware Protection Tips</h3>\n<p class=\"p1\">So, what should other companies do to avoid the same thorny situations as mentioned in the above real-life examples? Maintaining an on-site <strong>data backup solution</strong> is certainly prudent; however, these backups must be frequent and thorough to be effective, and relying solely on local backups is generally inadvisable. Companies could also implement a backup in the cloud, which means sending copies of data to at least one secure off-site server. Leaders in the cloud backup space include Dropbox, Amazon Web Services and Microsoft Azure.</p>\n<p class=\"p1\">But, of course, the best approach is to avoid being infected with ransomware in the first place. <strong>Educate employees</strong> about how to recognize suspicious emails. As the primary installation source of ransomware is online advertisements, according to security firm Symantec, be careful about clicking on Internet ads.</p>\n<p class=\"p1\">Most software products have different <strong>authorization levels</strong> that can be customized; business owners should take advantage of this feature to create different access levels for employees, giving each employee access only to the areas they need for their work, and restricting them from the others.</p>\n<p class=\"p1\">And, of course, don’t neglect the basics: make sure your <strong>antivirus software</strong> is regularly updated and your systems are regularly patched. A multi-layered defense comprised of a next-generation firewall (NGFW) will reduce the number of successful ransomware attacks on your internal network. NGFWs can cost under $1,000 and leaders in this space include Palo Alto, Cisco, Barracuda and Juniper.</p>\n<h3>Get Ransomware Insurance / Cyber Insurance / Cyber Liability Insurance / Cyber Risk Insurance</h3>\n<p class=\"p1\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row’s cyber liability insurance policy</span></a> includes <strong>Extortion &amp; Ransomware coverage</strong> for costs associated with payments to those who threaten to disclose sensitive information.</p>\n<p class=\"p1\">Protect your data and your clients' data. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Front Row's cyber insurance policy</strong></span></a> is available now; contact Front Row for a cyber insurance quote.</p>\n<p class=\"p1\"><i>90% of small businesses in Canada do not have Cyber Insurance:</i> take a few minutes to protect your business that has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p1\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</i></p>\n<h3>Citations:</h3>\n<ul>\n<li class=\"p7\"><span style=\"font-size: 14px;\"><span class=\"s3\"><a href=\"https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/\">https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/</a></span></span></li>\n<li class=\"p7\"><a href=\"https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871\">https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871</a></li>\n<li class=\"p7\"><a href=\"https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare\">https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare</a></li>\n<li class=\"p7\"><a href=\"https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049\">https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049</a></li>\n</ul>\n<p class=\"p8\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","postEmailContent":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>","postRssContent":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>","rssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/ransomware/ransomware-shutterstock_659365795-forweb600.jpg","postListSummaryFeaturedImage":"","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/ransomware/ransomware-shutterstock_659365795-forweb600.jpg","keywords":[],"isInstantEmailEnabled":true,"isSocialPublishingEnabled":false,"blogPostAuthor":{"portalId":61352,"id":9474946913,"created":1557244191140,"updated":1557244191140,"deletedAt":0,"fullName":"Grant Patten","email":"grant@frontrowinsurance.com","userId":null,"username":null,"slug":"grant-patten","language":null,"translatedFromId":null,"name":"Grant Patten","translations":{},"displayName":"Grant Patten","twitterUsername":"","hasSocialProfiles":false,"twitter":"","facebook":"","linkedin":"","bio":"Grant Patten - VP, Marketing","website":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/9751f803d54c2340cccdf5025adc9aa4","cosObjectType":"BLOG_AUTHOR","label":"Grant Patten","cdnPurgeEmbargoTime":null},"postTemplate":"prox_frontrow/templates/blog/blog-post.html","topicIds":[125625107734],"topicList":[{"id":125625107734,"portalId":61352,"name":"Cyber insurance","slug":"cyber-insurance","description":"","created":1689864659973,"updated":1689864659973,"deletedAt":0,"categoryId":3,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Cyber insurance","cdnPurgeEmbargoTime":null}],"topicNames":["Cyber insurance"],"areCommentsAllowed":true,"isCaptchaRequired":true,"syncedWithBlogRoot":true,"compositionId":0,"publicAccessRulesEnabled":false,"publicAccessRules":[],"header":null,"password":null,"layoutSections":{},"pastMabExperimentIds":[],"ab":false,"mab":false,"featuredImageAltText":"Ransomware attack","publishDateLocalTime":1690307853363,"enableLayoutStylesheets":null,"tweet":null,"tweetAt":null,"campaignName":"Cyber","campaignUtm":"Cyber","pageTitle":"If You’re Hit with Ransomware, You’ll Want Cyber Insurance (Canada)","metaKeywords":null,"metaDescription":"Perhaps the fastest-growing cybersecurity threat in Canada right now is ransomware, a type of malware (malicious software) that uses sophisticated...","tweetImmediately":false,"publishImmediately":true,"securityState":"NONE","scheduledUpdateDate":0,"placementGuids":[],"propertyForDynamicPageTitle":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageCanonicalUrl":null,"previewImageSrc":null,"legacyBlogTabid":null,"legacyPostGuid":null,"performableVariationLetter":null,"styleOverrideId":null,"hasUserChanges":true,"css":{},"cssText":"","createdTime":1596044782496,"unpublishedAt":1611952141376,"archivedInDashboard":false,"authorUsername":null,"archivedAt":0,"publishedById":7915797,"allowedSlugConflict":false,"abVariation":false,"abVariationAutomated":false,"mabMaster":false,"mabVariant":false,"linkRelCanonicalUrl":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/if-youre-hit-with-ransomware-youll-want-cyber-insurance","pageRedirected":false,"pageExpiryEnabled":null,"pageExpiryDate":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"translatedContent":{},"deletedBy":null,"stateWhenDeleted":null,"clonedFrom":null,"stagedFrom":null,"personas":[],"composeBody":null,"featuredImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/Cyber%20Insurance-DISCONTINUED/ransomware/ransomware-shutterstock_659365795-forweb600.jpg","featuredImageWidth":600,"featuredImageHeight":400,"publishTimezoneOffset":null,"themeSettingsValues":null,"isInstanceLayoutPage":false,"headHtml":null,"footerHtml":null,"attachedStylesheets":[],"enableDomainStylesheets":null,"includeDefaultCustomCss":null,"title":"If You’re Hit with Ransomware, You’ll Want Cyber Insurance (Canada)","publishedAt":1690307853363,"url":"https://www.frontrowinsurance.com/articles/if-youre-hit-with-ransomware-youll-want-cyber-insurance","author":null,"cdnPurgeEmbargoTime":null,"label":"If You’re Hit with Ransomware, You’ll Want Cyber Insurance (Canada)","currentState":"PUBLISHED","lastEditSessionId":null,"lastEditUpdateId":null,"contentTypeCategory":3,"analyticsPageType":"blog-post","currentlyPublished":true,"contentTypeCategoryId":3,"category":3,"isPublished":true,"topics":[125625107734],"meta":{"public_access_rules_enabled":false,"public_access_rules":[],"html_title":"If You’re Hit with Ransomware, You’ll Want Cyber Insurance (Canada)","post_summary":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>\n","post_body":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>\n<!--more--><h2 style=\"font-size: 36px;\">Small Business Owners: If You’re Hit with Ransomware, You’ll Want Cyber Insurance</h2>\n<p class=\"p1\">Don’t think a ransomware hack could happen to <i>your</i> small business? Well, think again!</p>\n<p class=\"p1\">Perhaps the fastest-growing cybersecurity threat in Canada right now is ransomware, a type of malware (malicious software) that uses sophisticated encryption to block access to a computer, network and/or data until a sum of money is paid.</p>\n<p class=\"p1\">Ransoms typically range from $800 to $5,000 (but sometimes <i>much</i> more), as most cybercriminals are aware that a business can’t operate without its computer system or important client data and the fee is just manageable enough for most companies to pay.</p>\n<p class=\"p1\">Just look at the below real-life examples of <strong>ransomware attacks on small businesses</strong> to see how real this threat is:</p>\n<h3>Toronto Accounting Firm Ransomware Hack (2020) / Who does ransomware target?</h3>\n<p class=\"p1\">An accounting firm based in Toronto was hit by ransomware in 2020. The ransomware encrypted various confidential reports, including an expense form from one of the firm’s main partners.</p>\n<p class=\"p1\">Additionally, the hackers stole some documents and auctioned them off on the dark web. Typically, hackers auction off such data to increase pressure on victim companies to pay up for decryption keys.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, <strong>theft and fraud coverage</strong> is included to cover destruction or loss of digital data resulting from a criminal cyber event.</p>\n<h3>Toronto Dental Clinic Ransomware Hack (2019) / Who does ransomware target?</h3>\n<p class=\"p1\">Also in 2019, an anonymous Toronto dental clinic was hit by the Ryuk ransomware attack. <i></i>The ransomware locked staff out of digital files for at least a day and they had to take notes on paper. The dentist said files on 19 out of the clinic's 22 computers became encrypted.</p>\n<p class=\"p1\">The hacker initially demanded nine bitcoins (nearly $100,000) to decrypt the dental clinic’s files, but later increased that price to 15 bitcoins ($165,000). The dentist opted not to pay the ransom because they had a good backup in place.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> may be included to determine how, exactly, a hack occurred, and to assess the impact of the attack. (Determination of whether or not a forensic investigation will be triggered depends on the circumstances of each claim.)</p>\n<h3>Montreal Insurance Brokerage Ransomware Hack (2016) / Who does ransomware target?</h3>\n<p class=\"p1\">An insurance brokerage based in Montreal experienced a ransomware attack in early 2016. A mysterious error message began appearing on their system: <i>“The system cannot access the database.”</i> Upon consulting their IT firm, it was discovered that ransomware had been installed onto the brokerage’s system through an email attachment that an unsuspecting employee had opened. The ransomware had encrypted all the brokerage’s client data, including emails, PDFs and other policy documents, rendering the data completely inaccessible until a sum of money was paid – $2,300 CAD.</p>\n<p class=\"p1\">“To deal with the ransomware, I called my tech support team and we had backed up our data, but unfortunately it wasn’t completely up-to-date; the latest backup was six weeks in the past,” recalled the brokerage President. “It was important for us to retrieve the latest data, so I made the difficult decision to pay the ransom. It came down to paying $2,300 or losing six weeks of work, so I chose the former.”</p>\n<h3>Why ransomware hackers use Bitcoin:</h3>\n<p class=\"p1\">The ransomware attacker insisted the brokerage pay via the digital currency system Bitcoin in order to make the payment untraceable. Due to the elaborate software architecture that stands behind this currency, which uses cryptography to secure transactions, it is extremely difficult to find out who is actually exchanging the Bitcoins, much less what they’re selling.</p>\n<h3>Ransomware Prevention | Ransomware Remediation | Ransomware Protection Tips</h3>\n<p class=\"p1\">So, what should other companies do to avoid the same thorny situations as mentioned in the above real-life examples? Maintaining an on-site <strong>data backup solution</strong> is certainly prudent; however, these backups must be frequent and thorough to be effective, and relying solely on local backups is generally inadvisable. Companies could also implement a backup in the cloud, which means sending copies of data to at least one secure off-site server. Leaders in the cloud backup space include Dropbox, Amazon Web Services and Microsoft Azure.</p>\n<p class=\"p1\">But, of course, the best approach is to avoid being infected with ransomware in the first place. <strong>Educate employees</strong> about how to recognize suspicious emails. As the primary installation source of ransomware is online advertisements, according to security firm Symantec, be careful about clicking on Internet ads.</p>\n<p class=\"p1\">Most software products have different <strong>authorization levels</strong> that can be customized; business owners should take advantage of this feature to create different access levels for employees, giving each employee access only to the areas they need for their work, and restricting them from the others.</p>\n<p class=\"p1\">And, of course, don’t neglect the basics: make sure your <strong>antivirus software</strong> is regularly updated and your systems are regularly patched. A multi-layered defense comprised of a next-generation firewall (NGFW) will reduce the number of successful ransomware attacks on your internal network. NGFWs can cost under $1,000 and leaders in this space include Palo Alto, Cisco, Barracuda and Juniper.</p>\n<h3>Get Ransomware Insurance / Cyber Insurance / Cyber Liability Insurance / Cyber Risk Insurance</h3>\n<p class=\"p1\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row’s cyber liability insurance policy</span></a> includes <strong>Extortion &amp; Ransomware coverage</strong> for costs associated with payments to those who threaten to disclose sensitive information.</p>\n<p class=\"p1\">Protect your data and your clients' data. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Front Row's cyber insurance policy</strong></span></a> is available now; contact Front Row for a cyber insurance quote.</p>\n<p class=\"p1\"><i>90% of small businesses in Canada do not have Cyber Insurance:</i> take a few minutes to protect your business that has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p1\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</i></p>\n<h3>Citations:</h3>\n<ul>\n<li class=\"p7\"><span style=\"font-size: 14px;\"><span class=\"s3\"><a href=\"https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/\">https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/</a></span></span></li>\n<li class=\"p7\"><a href=\"https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871\">https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871</a></li>\n<li class=\"p7\"><a href=\"https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare\">https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare</a></li>\n<li class=\"p7\"><a href=\"https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049\">https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049</a></li>\n</ul>\n<p class=\"p8\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","rss_summary":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>\n","rss_body":"<p style=\"text-align: right; font-size: 14px;\"><em><span style=\"background-color: transparent;\"><strong>Source</strong>: Royalty-free </span><span style=\"background-color: transparent;\">stock photo</span><span style=\"background-color: transparent;\"> ID: 659365795 | Shutterstock</span></em></p>\n<!--more--><h2 style=\"font-size: 36px;\">Small Business Owners: If You’re Hit with Ransomware, You’ll Want Cyber Insurance</h2>\n<p class=\"p1\">Don’t think a ransomware hack could happen to <i>your</i> small business? Well, think again!</p>\n<p class=\"p1\">Perhaps the fastest-growing cybersecurity threat in Canada right now is ransomware, a type of malware (malicious software) that uses sophisticated encryption to block access to a computer, network and/or data until a sum of money is paid.</p>\n<p class=\"p1\">Ransoms typically range from $800 to $5,000 (but sometimes <i>much</i> more), as most cybercriminals are aware that a business can’t operate without its computer system or important client data and the fee is just manageable enough for most companies to pay.</p>\n<p class=\"p1\">Just look at the below real-life examples of <strong>ransomware attacks on small businesses</strong> to see how real this threat is:</p>\n<h3>Toronto Accounting Firm Ransomware Hack (2020) / Who does ransomware target?</h3>\n<p class=\"p1\">An accounting firm based in Toronto was hit by ransomware in 2020. The ransomware encrypted various confidential reports, including an expense form from one of the firm’s main partners.</p>\n<p class=\"p1\">Additionally, the hackers stole some documents and auctioned them off on the dark web. Typically, hackers auction off such data to increase pressure on victim companies to pay up for decryption keys.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber insurance</span></a>, <strong>theft and fraud coverage</strong> is included to cover destruction or loss of digital data resulting from a criminal cyber event.</p>\n<h3>Toronto Dental Clinic Ransomware Hack (2019) / Who does ransomware target?</h3>\n<p class=\"p1\">Also in 2019, an anonymous Toronto dental clinic was hit by the Ryuk ransomware attack. <i></i>The ransomware locked staff out of digital files for at least a day and they had to take notes on paper. The dentist said files on 19 out of the clinic's 22 computers became encrypted.</p>\n<p class=\"p1\">The hacker initially demanded nine bitcoins (nearly $100,000) to decrypt the dental clinic’s files, but later increased that price to 15 bitcoins ($165,000). The dentist opted not to pay the ransom because they had a good backup in place.</p>\n<p class=\"p1\">With <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">cyber liability insurance</span></a>, the cost of a <strong>forensic investigation</strong> may be included to determine how, exactly, a hack occurred, and to assess the impact of the attack. (Determination of whether or not a forensic investigation will be triggered depends on the circumstances of each claim.)</p>\n<h3>Montreal Insurance Brokerage Ransomware Hack (2016) / Who does ransomware target?</h3>\n<p class=\"p1\">An insurance brokerage based in Montreal experienced a ransomware attack in early 2016. A mysterious error message began appearing on their system: <i>“The system cannot access the database.”</i> Upon consulting their IT firm, it was discovered that ransomware had been installed onto the brokerage’s system through an email attachment that an unsuspecting employee had opened. The ransomware had encrypted all the brokerage’s client data, including emails, PDFs and other policy documents, rendering the data completely inaccessible until a sum of money was paid – $2,300 CAD.</p>\n<p class=\"p1\">“To deal with the ransomware, I called my tech support team and we had backed up our data, but unfortunately it wasn’t completely up-to-date; the latest backup was six weeks in the past,” recalled the brokerage President. “It was important for us to retrieve the latest data, so I made the difficult decision to pay the ransom. It came down to paying $2,300 or losing six weeks of work, so I chose the former.”</p>\n<h3>Why ransomware hackers use Bitcoin:</h3>\n<p class=\"p1\">The ransomware attacker insisted the brokerage pay via the digital currency system Bitcoin in order to make the payment untraceable. Due to the elaborate software architecture that stands behind this currency, which uses cryptography to secure transactions, it is extremely difficult to find out who is actually exchanging the Bitcoins, much less what they’re selling.</p>\n<h3>Ransomware Prevention | Ransomware Remediation | Ransomware Protection Tips</h3>\n<p class=\"p1\">So, what should other companies do to avoid the same thorny situations as mentioned in the above real-life examples? Maintaining an on-site <strong>data backup solution</strong> is certainly prudent; however, these backups must be frequent and thorough to be effective, and relying solely on local backups is generally inadvisable. Companies could also implement a backup in the cloud, which means sending copies of data to at least one secure off-site server. Leaders in the cloud backup space include Dropbox, Amazon Web Services and Microsoft Azure.</p>\n<p class=\"p1\">But, of course, the best approach is to avoid being infected with ransomware in the first place. <strong>Educate employees</strong> about how to recognize suspicious emails. As the primary installation source of ransomware is online advertisements, according to security firm Symantec, be careful about clicking on Internet ads.</p>\n<p class=\"p1\">Most software products have different <strong>authorization levels</strong> that can be customized; business owners should take advantage of this feature to create different access levels for employees, giving each employee access only to the areas they need for their work, and restricting them from the others.</p>\n<p class=\"p1\">And, of course, don’t neglect the basics: make sure your <strong>antivirus software</strong> is regularly updated and your systems are regularly patched. A multi-layered defense comprised of a next-generation firewall (NGFW) will reduce the number of successful ransomware attacks on your internal network. NGFWs can cost under $1,000 and leaders in this space include Palo Alto, Cisco, Barracuda and Juniper.</p>\n<h3>Get Ransomware Insurance / Cyber Insurance / Cyber Liability Insurance / Cyber Risk Insurance</h3>\n<p class=\"p1\"><a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\">Front Row’s cyber liability insurance policy</span></a> includes <strong>Extortion &amp; Ransomware coverage</strong> for costs associated with payments to those who threaten to disclose sensitive information.</p>\n<p class=\"p1\">Protect your data and your clients' data. <a href=\"/cyber-liability-insurance-canada\" rel=\"noopener\"><span class=\"s1\"><strong>Front Row's cyber insurance policy</strong></span></a> is available now; contact Front Row for a cyber insurance quote.</p>\n<p class=\"p1\"><i>90% of small businesses in Canada do not have Cyber Insurance:</i> take a few minutes to protect your business that has taken you so long to establish.</p>\n<p class=\"p2\">&nbsp;</p>\n<p class=\"p1\"><strong><i>About</i></strong><i>: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite payment of claims. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.</i></p>\n<h3>Citations:</h3>\n<ul>\n<li class=\"p7\"><span style=\"font-size: 14px;\"><span class=\"s3\"><a href=\"https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/\">https://cybersecurityventures.com/global-ransomware-damage-costs-predicted-to-reach-20-billion-usd-by-2021/</a></span></span></li>\n<li class=\"p7\"><a href=\"https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871\">https://www.cbc.ca/news/technology/more-ransomware-canada-1.5317871</a></li>\n<li class=\"p7\"><a href=\"https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare\">https://www.csio.com/article/one-broker%E2%80%99s-ransomware-scare</a></li>\n<li class=\"p7\"><a href=\"https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049\">https://www.itworldcanada.com/article/toronto-accounting-firm-hit-by-ransomware/432049</a></li>\n</ul>\n<p class=\"p8\" style=\"font-size: 13px;\"><i><strong>DISCLAIMER</strong>: 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.</i></p>","use_featured_image":true,"tag_ids":[125625107734],"topic_ids":[125625107734],"enable_google_amp_output_override":false,"generate_json_ld_enabled":true,"blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE","blog_publish_instant_email_task_uid":"61352-33027084766-1690324451133","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":null,"keywords":[],"composition_id":0,"header":null,"password":null,"published_at":1690307853363,"layout_sections":{},"past_mab_experiment_ids":[],"meta_description":"Perhaps the fastest-growing cybersecurity threat in Canada right now is ransomware, a type of malware (malicious software) that uses sophisticated...","meta_keywords":null,"featured_image_width":600,"featured_image_height":400,"publish_timezone_offset":null,"theme_settings_values":null,"featured_image_alt_text":"Ransomware 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festival needs special event insurance","audienceAccess":"PUBLIC","postSummary":"<h2>Why your summer festival needs special event insurance – and how to find affordable coverage with Shephard Ashmore</h2> \n<p><span style=\"color: #000000;\"><em><strong>Vancouver, Canada – July 20, 2023 –</strong></em> With the cost of event insurance in Canada reaching unprecedented heights, especially for festivals, community events and parades, Shephard Ashmore – Canada’s premier event insurance provider – is excited to offer a convenient, low-cost solution for large and small events across Canada.</span><span style=\"color: #000000;\"></span></p> \n","postBody":"<h2>Why your summer festival needs special event insurance – and how to find affordable coverage with Shephard Ashmore</h2> \n<p><span style=\"color: #000000;\"><em><strong>Vancouver, Canada – July 20, 2023 –</strong></em> With the cost of event insurance in Canada reaching unprecedented heights, especially for festivals, community events and parades, Shephard Ashmore – Canada’s premier event insurance provider – is excited to offer a convenient, low-cost solution for large and small events across Canada.</span><span style=\"color: #000000;\"></span></p> \n<!--more--> \n<p><span style=\"color: #000000;\">Summer and early fall are a busy time for special events across the country. And with the skyrocketing costs of event insurance, it can leave planners and organizations unsure of how the show will go on. But skipping out on insurance isn’t the answer ― especially when it can mean serious liability if something goes wrong.</span></p> \n<p><span style=\"color: #000000;\">Shephard Ashmore’s event coverage ranges from basic liability to a comprehensive package, which can include Cancellation, Owned and Rented Equipment, Weather Insurance, Directors and Officers Liability, Crime and Full Host Liquor Liability. </span></p> \n<p><span style=\"color: #000000;\">“We already insure over 150 music festivals across Canada, as well as thousands of smaller events through our <a href=\"http://www.eventpolicy.ca\">www.eventpolicy.ca</a> portal. Festival organizers have been very pleased with the pricing that we’ve been able to provide them, especially compared to other options they have received in the market,” states Peter Parkin, president of Shephard Ashmore. “We have over 40 years of experience in placing comprehensive and affordable event coverage across the country and truly believe we offer the best products, price and service available for this class of business.”</span><span style=\"color: #000000;\"></span><span style=\"color: #000000;\"></span></p> \n<p><span style=\"color: #000000;\">Shephard Ashmore was recently acquired by Front Row Insurance, bringing their team up to 65 specialized insurance experts. To receive a quote for music festival and parade insurance, please contact <a href=\"/contact-us\" rel=\"noopener\">Front Row</a>.</span><span style=\"color: #000000;\"></span></p> \n<p><a href=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/press%20releases/Shephard%20Ashmore%20event%20insurance%20press%20release_FINAL.pdf\" rel=\"noopener\" target=\"_blank\"><em>Download PDF here</em></a></p> \n<p style=\"text-align: center;\"><span style=\"color: #000000;\"><em>–30–</em></span></p> \n<p><span style=\"color: #000000;\"><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts, entertainment, and music communities to provide insurance for the lowest cost. Should a claim occur, Front Row ensures that clients receive the money they’re owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal, and Los Angeles.</span></p> \n<p><span style=\"color: #000000;\"><strong>About</strong>: Shephard Ashmore has been Canada’s leading music insurance brokerage for over 40 years. They pioneered music insurance programs for independent artists in the late 1970s, and today they count some of the biggest names in show business as clients. Shephard Ashmore provides insurance and risk management solutions for major tours, festivals, and events, and provides custom policies for the assets of artists and entertainers.</span></p> \n<p><strong>For more information, contact</strong>:&nbsp; &nbsp;&nbsp;</p> \n<a href=\"/staff/david-hamilton\" rel=\"noopener\">David W. Hamilton</a> \n<br>President + CEO, Front Row Insurance \n<br>P 604 684 3456 \n<br> \n<a href=\"mailto:david@frontrowinsurance.com\" rel=\"nofollow noopener\">david@frontrowinsurance.com</a>","rssSummary":"<h2>Why your summer festival needs special event insurance – and how to find affordable coverage with Shephard Ashmore</h2> \n<p><span style=\"color: #000000;\"><em><strong>Vancouver, Canada – July 20, 2023 –</strong></em> With the cost of event insurance in Canada reaching unprecedented heights, especially for festivals, community events and parades, Shephard Ashmore – Canada’s premier event insurance provider – is excited to offer a convenient, low-cost solution for large and small events across Canada.</span><span style=\"color: #000000;\"></span></p> \n","rssBody":"<h2>Why your summer festival needs special event insurance – and how to find affordable coverage with Shephard Ashmore</h2> \n<p><span style=\"color: #000000;\"><em><strong>Vancouver, Canada – July 20, 2023 –</strong></em> With the cost of event insurance in Canada reaching unprecedented heights, especially for festivals, community events and parades, Shephard Ashmore – Canada’s premier event insurance provider – is excited to offer a convenient, low-cost solution for large and small events across Canada.</span><span style=\"color: #000000;\"></span></p> \n<!--more--> \n<p><span style=\"color: #000000;\">Summer and early fall are a busy time for special events across the country. And with the skyrocketing costs of event insurance, it can leave planners and organizations unsure of how the show will go on. But skipping out on insurance isn’t the answer ― especially when it can mean serious liability if something goes wrong.</span></p> \n<p><span style=\"color: #000000;\">Shephard Ashmore’s event coverage ranges from basic liability to a comprehensive package, which can include Cancellation, Owned and Rented Equipment, Weather Insurance, Directors and Officers Liability, Crime and Full Host Liquor Liability. </span></p> \n<p><span style=\"color: #000000;\">“We already insure over 150 music festivals across Canada, as well as thousands of smaller events through our <a href=\"http://www.eventpolicy.ca\">www.eventpolicy.ca</a> portal. Festival organizers have been very pleased with the pricing that we’ve been able to provide them, especially compared to other options they have received in the market,” states Peter Parkin, president of Shephard Ashmore. “We have over 40 years of experience in placing comprehensive and affordable event coverage across the country and truly believe we offer the best products, price and service available for this class of business.”</span><span style=\"color: #000000;\"></span><span style=\"color: #000000;\"></span></p> \n<p><span style=\"color: #000000;\">Shephard Ashmore was recently acquired by Front Row Insurance, bringing their team up to 65 specialized insurance experts. To receive a quote for music festival and parade insurance, please contact <a href=\"/contact-us\" rel=\"noopener\">Front Row</a>.</span><span style=\"color: #000000;\"></span></p> \n<p><a href=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/press%20releases/Shephard%20Ashmore%20event%20insurance%20press%20release_FINAL.pdf\" rel=\"noopener\" target=\"_blank\"><em>Download PDF here</em></a></p> \n<p style=\"text-align: center;\"><span style=\"color: #000000;\"><em>–30–</em></span></p> \n<p><span style=\"color: #000000;\"><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts, entertainment, and music communities to provide insurance for the lowest cost. Should a claim occur, Front Row ensures that clients receive the money they’re owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal, and Los Angeles.</span></p> \n<p><span style=\"color: #000000;\"><strong>About</strong>: Shephard Ashmore has been Canada’s leading music insurance brokerage for over 40 years. They pioneered music insurance programs for independent artists in the late 1970s, and today they count some of the biggest names in show business as clients. Shephard Ashmore provides insurance and risk management solutions for major tours, festivals, and events, and provides custom policies for the assets of artists and entertainers.</span></p> \n<p><strong>For more information, contact</strong>:&nbsp; &nbsp;&nbsp;</p> \n<a href=\"/staff/david-hamilton\" rel=\"noopener\">David W. Hamilton</a> \n<br>President + CEO, Front Row Insurance \n<br>P 604 684 3456 \n<br> \n<a href=\"mailto:david@frontrowinsurance.com\" rel=\"nofollow noopener\">david@frontrowinsurance.com</a>","postSummaryRss":"<h2>Why your summer festival needs special event insurance – and how to find affordable coverage with Shephard Ashmore</h2> \n<p><span style=\"color: #000000;\"><em><strong>Vancouver, Canada – July 20, 2023 –</strong></em> With the cost of event insurance in Canada reaching unprecedented heights, especially for festivals, community events and parades, Shephard Ashmore – Canada’s premier event insurance provider – is excited to offer a convenient, low-cost solution for large and small events across Canada.</span><span style=\"color: #000000;\"></span></p> \n","postBodyRss":"<h2>Why your summer festival needs special event insurance – and how to find affordable coverage with Shephard Ashmore</h2> \n<p><span style=\"color: #000000;\"><em><strong>Vancouver, Canada – July 20, 2023 –</strong></em> With the cost of event insurance in Canada reaching unprecedented heights, especially for festivals, community events and parades, Shephard Ashmore – Canada’s premier event insurance provider – is excited to offer a convenient, low-cost solution for large and small events across Canada.</span><span style=\"color: #000000;\"></span></p> \n<!--more--> \n<p><span style=\"color: #000000;\">Summer and early fall are a busy time for special events across the country. And with the skyrocketing costs of event insurance, it can leave planners and organizations unsure of how the show will go on. But skipping out on insurance isn’t the answer ― especially when it can mean serious liability if something goes wrong.</span></p> \n<p><span style=\"color: #000000;\">Shephard Ashmore’s event coverage ranges from basic liability to a comprehensive package, which can include Cancellation, Owned and Rented Equipment, Weather Insurance, Directors and Officers Liability, Crime and Full Host Liquor Liability. </span></p> \n<p><span style=\"color: #000000;\">“We already insure over 150 music festivals across Canada, as well as thousands of smaller events through our <a href=\"http://www.eventpolicy.ca\">www.eventpolicy.ca</a> portal. Festival organizers have been very pleased with the pricing that we’ve been able to provide them, especially compared to other options they have received in the market,” states Peter Parkin, president of Shephard Ashmore. “We have over 40 years of experience in placing comprehensive and affordable event coverage across the country and truly believe we offer the best products, price and service available for this class of business.”</span><span style=\"color: #000000;\"></span><span style=\"color: #000000;\"></span></p> \n<p><span style=\"color: #000000;\">Shephard Ashmore was recently acquired by Front Row Insurance, bringing their team up to 65 specialized insurance experts. To receive a quote for music festival and parade insurance, please contact <a href=\"/contact-us\" rel=\"noopener\">Front Row</a>.</span><span style=\"color: #000000;\"></span></p> \n<p><a href=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/press%20releases/Shephard%20Ashmore%20event%20insurance%20press%20release_FINAL.pdf\" rel=\"noopener\" target=\"_blank\"><em>Download PDF here</em></a></p> \n<p style=\"text-align: center;\"><span style=\"color: #000000;\"><em>–30–</em></span></p> \n<p><span style=\"color: #000000;\"><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts, entertainment, and music communities to provide insurance for the lowest cost. Should a claim occur, Front Row ensures that clients receive the money they’re owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal, and Los Angeles.</span></p> \n<p><span style=\"color: #000000;\"><strong>About</strong>: Shephard Ashmore has been Canada’s leading music insurance brokerage for over 40 years. They pioneered music insurance programs for independent artists in the late 1970s, and today they count some of the biggest names in show business as clients. Shephard Ashmore provides insurance and risk management solutions for major tours, festivals, and events, and provides custom policies for the assets of artists and entertainers.</span></p> \n<p><strong>For more information, contact</strong>:&nbsp; &nbsp;&nbsp;</p> \n<a href=\"/staff/david-hamilton\" rel=\"noopener\">David W. Hamilton</a> \n<br>President + CEO, Front Row Insurance \n<br>P 604 684 3456 \n<br> \n<a href=\"mailto:david@frontrowinsurance.com\" rel=\"nofollow noopener\">david@frontrowinsurance.com</a>","postFeaturedImageIfEnabled":"","tagIds":[949709279,3238974970,9961951770,38633701909],"tagNames":["Directors & officers insurance","Event insurance Canada","Host liquor liability","Festivals"],"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1689858539038},"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<h2>Why your summer festival needs special event insurance – and how to find affordable coverage with Shephard Ashmore</h2> \n<p><span style=\"color: #000000;\"><em><strong>Vancouver, Canada – July 20, 2023 –</strong></em> With the cost of event insurance in Canada reaching unprecedented heights, especially for festivals, community events and parades, Shephard Ashmore – Canada’s premier event insurance provider – is excited to offer a convenient, low-cost solution for large and small events across Canada.</span><span style=\"color: #000000;\"></span></p> \n<!--more--> \n<p><span style=\"color: #000000;\">Summer and early fall are a busy time for special events across the country. And with the skyrocketing costs of event insurance, it can leave planners and organizations unsure of how the show will go on. But skipping out on insurance isn’t the answer ― especially when it can mean serious liability if something goes wrong.</span></p> \n<p><span style=\"color: #000000;\">Shephard Ashmore’s event coverage ranges from basic liability to a comprehensive package, which can include Cancellation, Owned and Rented Equipment, Weather Insurance, Directors and Officers Liability, Crime and Full Host Liquor Liability. </span></p> \n<p><span style=\"color: #000000;\">“We already insure over 150 music festivals across Canada, as well as thousands of smaller events through our <a href=\"http://www.eventpolicy.ca\">www.eventpolicy.ca</a> portal. Festival organizers have been very pleased with the pricing that we’ve been able to provide them, especially compared to other options they have received in the market,” states Peter Parkin, president of Shephard Ashmore. “We have over 40 years of experience in placing comprehensive and affordable event coverage across the country and truly believe we offer the best products, price and service available for this class of business.”</span><span style=\"color: #000000;\"></span><span style=\"color: #000000;\"></span></p> \n<p><span style=\"color: #000000;\">Shephard Ashmore was recently acquired by Front Row Insurance, bringing their team up to 65 specialized insurance experts. To receive a quote for music festival and parade insurance, please contact <a href=\"/contact-us\" rel=\"noopener\">Front Row</a>.</span><span style=\"color: #000000;\"></span></p> \n<p><a href=\"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/press%20releases/Shephard%20Ashmore%20event%20insurance%20press%20release_FINAL.pdf\" rel=\"noopener\" target=\"_blank\"><em>Download PDF here</em></a></p> \n<p style=\"text-align: center;\"><span style=\"color: #000000;\"><em>–30–</em></span></p> \n<p><span style=\"color: #000000;\"><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts, entertainment, and music communities to provide insurance for the lowest cost. Should a claim occur, Front Row ensures that clients receive the money they’re owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal, and Los A