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

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

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

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

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

DICE can provide coverage for a full year for rented & owned equipment as well as Props, Sets and Wardrobe, Office Contents, Vehicle Physical Damage and more. Commercial General Liability coverage can also be purchased either together with the equipment coverage or on a standalone basis. If you would like more information or to request a free non-obligation quote, visit our DICE Policy website here. If you are a US based Producer, click here instead.

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

DigiGear (film equipment)

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

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

Unlike DICE, DigiGear is not a film production policy.

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

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

DICE vs. DigiGear infographic

RELATED POST:

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

 

Topics: Film equipment insurance, Documentary Insurance, DICE Insurance, DigiGear, corporate video insurance, music video insurance, Educational Film Insurance

Preventing Film Equipment Theft – Tips & Tricks

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

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

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

Film Equipment Theft – Prevention Tips

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

1. Exterior/Location Filming

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

2. Interior Filming

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

3. Employee/Crew Theft

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

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

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

5. Air Travel (planes carrying production equipment)

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

Consider Film Equipment Insurance – DigiGear

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

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

RELATED POSTS:

INSURANCE FOR THEFT OF CAMERA AND FILM EQUIPMENT

THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED

HOW TO CALL A WRAP ON CLAIMS

CITATIONS:

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

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

Topics: Film equipment insurance, Film Insurance, Film insurance broker, DigiGear

Filmmakers and Producers Insurance

Posted by David McLeish on Nov 5, 2018 12:18:55 PM

film producers insurance

film producers insurance

Let’s Make Art Together.

You’re a prolific filmmaker with a full production slate. Like most creative people, you‘d rather focus on your work. The problem is that since each project requires its own insurance policy, it often feels like the more you work, the more time you have to spend dealing with insurance!

Worse, while you’ve always received good service from your broker, they don’t quite “get” what it is you do. It’s a hassle getting certificates for your vendors and cast and crew. Too many irrelevant questions are asked by the underwriter. When something unusual comes up like a drone shoot or stunts, there are delays. There has to be a better way.

Luckily, there is. Unlike most insurance professionals in Canada, we specialize in the business of entertainment insurance. It’s not just what we do, and what we’re good at; it’s what we’re passionate about.

Front Row Insurance Brokers is the largest entertainment insurance brokerage by premium volume in Canada, with offices in Vancouver, Toronto, Montreal, Halifax, Nashville, Los Angeles, and New York.

In 2017, we insured over $4 billion of productions worldwide and wrote more than $45 million in film premium. The 38 dedicated film insurance staff in our Canadian offices are experts in TV and film production, so you know you’ll be dealing with someone who understands what you do. Even better, we have staff licensed in every province.

Filming in sunny Saskatchewan? No problem, we’ll get you covered. Perhaps most importantly, as part of our commitment to exceptional service, we will work hard to ensure that the money owed to you is paid if you ever need to make a claim under your policy.

Moreover, our excellent working relationship with the five major companies writing entertainment insurance in Canada ensures that you get more than just the best rates. It also affords us the opportunity to design studio programs which offer coverage tailored to the unique needs of your production slate. A studio program is a custom policy designed by the broker working in concert with the insurer. The advantage to you is that it’s designed around your specific production slate. You won’t have to pay for coverage you don’t require, and your policy will be customized for you by experts in entertainment insurance who understand your needs. Some examples of the benefits available under a studio program include:

  • No cast medicals required for film budgets under $15,000,000, rendering it unnecessary to schedule and attend tedious doctor exams, and saving you the $130 exam fee.
  • Automatic coverage for test shoots, promo shoots, pilots for budgets up to $50,000: no need to call us.
  • Quotations provided immediately for any new project. Rates locked for 12 months. Coverage can be activated and certificates issued on the same day for office rentals, payroll, etc.
  • Insurance wherever you film.

Let us leverage your production slate, combined with our premium volume, for your advantage. We pride ourselves on being the simplest line item on your budget—fast, without the drama.

We can also offer you a Low-Claims Bonus: ask us how.

RELATED:

THE BEST CAMERAS FOR FILMMAKING

HOW TO PROTECT YOUR CAMERA LENS(ES)

Topics: Film equipment insurance, Short Film Insurance, Film Insurance, Entertainment Insurance, Cast Insurance, Film permission, production liability insurance for films, Public Liability Insurance for Film, insurance for film set

Insurance for Theft of Camera and Film Equipment

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

Camera insurance Canada - woman on phone

INSURANCE FOR THEFT OF CAMERA AND FILM EQUIPMENT

Action!

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

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

Could this have been prevented?

A commercial vehicle physical damage policy covers accidents mentioned above.

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

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

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

RELATED:

PHOTOGRAPHY INSURANCE: THEFT FROM VEHICLE

Topics: Film equipment insurance, Film insurance broker, Camera Insurance, DigiGear

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

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

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

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

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

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

For more information, view the infographic below:

DICE - Short Shoot Infographic (Canada).jpg

 

related post:

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

 

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

What does online DigiGear Equipment insurance actually cover?

Posted by David Hamilton on Aug 2, 2016 4:03:51 PM

DigiGear Insurance Coverage for Film Equipment

This unique offering allows owners of camera equipment, sound, lighting and other film equipment the opportunity to get a quick quote in 2 minutes and purchase insurance for their gear in less than five minutes, 365 days a year, 24/7.

All equipment is covered for: theft, damage, fire and loss of use. This short animation explains the coverage:


Wait for the $50 discount code at the end! (not valid in QC, ON, SK)

The policy term is for 12 months.

Rental equipment insurance coverage is also available.

The online link ensures industry-low prices:

  • $10,000 equipment coverage: costs $80, plus a fee 
  • $2,000,000 annual location liability coverage: costs $500
  • $1,000 deductible for gear (fees subject to change)

Available to Canadian equipment owners at: https://digigearinsure.frontrowinsurance.com

About: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts and entertainment industry to provide insurance for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal, Nashville and Los Angeles.

RELATED LINKS:

Film Insurance 101 & How to Protect Your Film Project

Film Production Insurance: Why it is needed

Pre-Production Insurance

Film Production Insurance

How the Premium is Determined

Short Film Insurance

DigiGear Insurance

Props/Sets/Wardrobe Insurance

E&O Insurance

DICE Insurance

Third Party Property Damage

Crew Vehicles

Umbrella Vs. Excess Liability

Commercial General Liability

Negative Film / Videotape and Faulty Stock

Workers Comp

Cast Insurance

Extra Expense (EE)

Foreign Locations

Claims

Topics: Film equipment insurance, Camera Insurance, DigiGear

Production Equipment and Props/Sets/Wardrobe Insurance Explained

Posted by Mike Groner on Jul 20, 2016 3:36:37 PM

PRODUCTION EQUIPMENT & PROPS/SETS/WARDROBE INSURANCE

PRODUCTION EQUIPMENT INSURANCE:

Covers against all risks of direct physical loss, damage or destruction to cameras, camera equipment, sound and lighting equipment, grip equipment, portable electrical equipment and generators, mechanical effects equipment and similar miscellaneous equipment against direct physical loss or damage to said property.  This coverage also typically includes loss of use of property of others for which the renter or producer is legally liable.

The limit of coverage for production equipment should be sufficient to cover the replacement cost of ALL equipment being used on the project.

Equipment owner operator insurance offered for Canadian film producers.

Most equipment rental houses will include in their contract a statement confirming renter’s requirement to fully insure the equipment in renter’s possession. 

Did You Know?

If you are using an individual’s personal equipment, and your intent is to provide coverage for it while being used on the production, a legal contract must be executed to define your obligations as the insurer will look for your legal obligation to trigger coverage.

 

Wardrobe

PROPS, SETS & WARDROBE (PSW) INSURANCE:

Provides coverage on props, sets, scenery, costumes, wardrobe and similar property against all risks of direct physical loss, damage, or destruction during the production.

There are typically restrictions or sub-limits under props/sets/wardrobe coverage for boats, train, planes, antiques, artwork.

Did You Know?

The insurance company will look for your legal obligation to provide coverage, so if your intent is to insure property being used for PSW, then we recommend that a legal contract be executed to define your obligation.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Short-Term Production Insurance:Up to 14-days with no minimum premium. Coverage can include Commercial General Liability, Film Equipment Insurance, Props/Sets/Wardrobe coverage, Automobile Physical Damage and more.

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

RELATED LINKS:

Film Insurance 101 & How to Protect Your Film Project

Film Production Insurance: Why it is needed

Pre-Production Insurance

Film Production Insurance

How the Premium is Determined

Short Film Insurance

DigiGear Insurance

Props/Sets/Wardrobe Insurance

E&O Insurance

DICE Insurance

Third Party Property Damage

Crew Vehicles

Umbrella Vs. Excess Liability

Commercial General Liability

Negative Film / Videotape and Faulty Stock

Workers Comp

Cast Insurance

Extra Expense (EE)

Foreign Locations

Claims

Topics: Film equipment insurance, insurance for film set

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

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

FILMMAKERS: YOU MAY NOT BE COVERED UNDER A HOMEOWNERS INSURANCE POLICY

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

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

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

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

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

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

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

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

Industry-low film equipment insurance prices:

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

"We wanted to make the insurance process easier, faster and cheaper for musicians,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process an online film equipment insurance policy is much less and we have passed the savings onto the gear owner. The savings is expected to be 30% compared to standard film equipment policies. Although the DigiGear policy is online, we are still available to answer questions by email or over the phone if required.”

Topics: Film equipment insurance, Camera Insurance, DigiGear

Online Insurance for Owners of Camera, Sound & Lighting Gear

Posted by David Hamilton on May 2, 2016 4:59:45 PM

Vancouver, Canada – Apr. 28, 2016 Front Row Insurance Brokers Inc. is excited to announce the launch of their new online DigiGear insurance program.

Man holding film cameraThis unique offering allows owners of filming equipment the chance to get quick quotes and process policy documents in less than five minutes, 365 days a year, 24/7.

“Visitors to the site that purchase a policy can sleep easy knowing their gear is covered on and off the set all year. The equipment is covered worldwide including while in transit to a job. The site also offers general liability. Office contents, earthquake and flood coverage are offered at no extra cost.“ said David Hamilton, President of Front Row in Vancouver. “This is a disruptive product for owners of camera, lighting and sound equipment because of the much lower cost and ability to purchase a policy in minutes without having to speak to a broker. The expected savings should average 30%. Commercial use of camera, lighting and sound equipment is not covered under a typical homeowners policy: our online DigiGear insurance is an inexpensive and fast solution to this problem.”

Available to Canadian equipment owners at:  https://digigearinsure.frontrowinsurance.com

The policy term is for 12 months.

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

The online link ensures industry-low prices:

  •  $10,000 equipment coverage: $80, plus a fee
  • $2,000,000 annual location liability coverage: $500
  • $1,000 deductible for gear

The online program for film gear owners follows Front Row’s lead over the past two years into online offerings for short term filmmakers, photographers and musicians. “We wanted to make the insurance process easier, faster and cheaper for film gear owners,” said Hamilton, “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process a camera insurance policy is much less online and we have passed the savings on in the form of a less expensive policy. Although the DigiGear policy is online, we are still available to answer questions by e mail or over the phone if required.”

About: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts and entertainment industry to provide insurance for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Los Angeles.

Topics: Film equipment insurance, Camera Insurance

Automobile Liability Insurance and Film Productions Companies

Posted by Steve Beatty on Jul 9, 2015 10:13:00 AM

AUTOMOBILE LIABILITY INSURANCE

All automobiles intended to be used on roads whether licensed or unlicensed must be covered by a primary automobile liability policy. Certain minimum coverage and limits are required by law but in all provinces third party liability insurance is compulsory.

Owned Vehicles

Automobiles owned by production must be insured for the compulsory coverage in the province where they Film Production Insurance - motorbikeare located and where the automobiles are licensed. We also recommend purchasing optional physical damage coverage and we can provide a quote as required.

Motorized Snow Vehicles, ATVs and Other Special Vehicles

Your insurance requirements will vary depending on the province that the vehicle is being used in, and whether the vehicle is being used on public or private property. There are too many variables to deal with each particular circumstance, so you should always check with our office prior to the use of any of these types of vehicles.

Automobile Rentals

When renting or leasing automobiles from others, whether companies or individuals, their automobile liability insurance could be invalid unless they have a special endorsement from their insurance company giving them permission to rent or lease the automobiles to you. Therefore, when sourcing automobiles we recommend using established rental car agencies and picture vehicle companies wherever possible.

Employees of production using their own vehicles for company business or receiving a call allowance should contact their own insurance broker or agent to make sure that their automobile policy is amended to permit business use.

Production Vehicles, Trucks, Motor Homes, Honeywagons & Picture Vehicles

Automobiles rented or leased for a term exceeding 30 days may be insured by the production company under their own automobile liability policy. Policies can be obtained through our office for all provinces except British Columbia, Saskatchewan or Manitoba where provincially run government insurers provide coverage.

For automobiles rented for terms under 30 days liability coverage is provided under the Commercial General Liability policy - S.P.F. No. 6 or Q.P.F. No. 6 Non-Owned Automobile extension (if purchased by the production company). Note that this coverage does not replace the automobile owner’s legal obligation to maintain primary automobile liability insurance.

Automobile Physical Damage Insurance

All rented, borrowed or leased automobiles for which you are legally responsible are covered for physical damage under the Entertainment Package Policy if Commercial Vehicle Physical Damage coverage is purchased. Coverage typically carries a deductible of 10% of loss with a minimum amount between $1,500 to $2,500.

Note: Valuation for vehicles is based on the actual cash value which represents the depreciated value of the vehicles and their repair parts. If you have any new, unique, customized, historic or collector vehicles that need to be insured for their replacement cost or on an agreed value basis please notify us well in advance of purchasing, hiring, renting or leasing these types of vehicles. In some cases an independent vehicle appraisal establishing the value of the vehicle might be required.

Topics: Film equipment insurance, Film Production Vehicle Insurance, non-owned auto insurance, automobile insurance for films