Effortless and Affordable Short Term Film Insurance

Posted by David Hamilton on May 27, 2016 3:49:23 PM

 


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

Note that we can only assist individuals that live or have a company in Canada at this time; however, worldwide coverage is available to our Canadian film makers. 

To provide you with a short film insurance cost, we need a few details. The fastest way to receive a quote is to complete the short application telling us about your project by clicking the link below. 

Get a 2 Minute Quote

We can provide Short Term Equipment Insurance starting at $300!

If you would like to add film location liability for one week , we can do so for a small additional premium.

We can also provide affordable coverage for: 

  • to reshoot your lost or damaged data or film stock
  • Production office
  • Rented vehicles
  • Rented props, rented sets, rented wardrobe
  • Cast
  • Third party Property Damage 

If you would like an annual policy to cover multiple productions, please visit our D.I.C.E Page (Documentaries, Industrial Films, Commercials, Educational Films – it also covers short shoots, music videos and feature films with lower budgets) 


Tags: Short Film Insurance, Short Film Insurance Cost, Short Film Production Insurance, Film insurance broker, Short Term Equipment Insurnace, Studnet Film Insurance, Film Location Insurance, Affordable Film Insurance

How a Specialized Film Insurance Broker can help your Production

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

But first, what are insurance brokers?

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

 

What is a brokerage?

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

 

What can a specialized broker do for you?

  • Make sure the insurance company pays the amount of the claim you are entitled to
  • Help you to understand the specific language shown on Film Production Policies
  • Act as a conduit between you and the insurance company. This includes providing certificates for banks, bonding companies and locations to evidence coverage allowing banks to release funds to the client, locations to be locked by the location manager and equipment to be rented
  • Advise you on ways to limit potential liabilities during production
  • Review your existing insurance policies to reveal gaps or deficiencies in the coverage
  • Comprehensively review your production to assess the amount and type of insurance required
  • Help you understand what coverage you have and do not have and explain any limits to the coverage

 

Some tips on working with a broker

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

 

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

Front Row Insurance Brokers opens an office in Los Angeles

Posted by David Hamilton on Feb 20, 2014 5:17:00 PM

Canada's largest Film Insurance Broker expands to LA.

Vancouver, Canada - - February 20 2014 -- Front Row is pleased to announce the opening of their first office in the United States. The US company will be known as Front Row Insurance Brokers, LLC and will be located at: 14156 Magnolia Blvd, Suite 200, Sherman Oaks, CA 91423 .

The Los Angeles office will be headed up by well known film insurance veteran Kent Hamilton. Kent can be reached at 424-529-6700.

Kent will be supported by Mike Groner and Tina Ortiz.

Front Row is licensed and registered in every province and is Canada's largest specialized film insurance broker. Front Row represents: each of the four major film insurance companies: Chubb, Premiere/Everest, Allianz/Firemans Fund and Travelers / St Paul.

"An opportunity arose to bring Kent and his team into Front Row and we quickly worked to make that happen," says David Hamilton, President of Front Row based in Vancouver. "We are delighted that Kent decided to join Front Row given the multiple offers that he received from other brokerage firms." Kent was previously a Senior Vice President at Truman Van Dyke in Los Angeles where he specialized in arranging insurance coverage for film and TV productions.

Front Row is an independent film insurance broker that works on behalf of producers to transfer the risks of filming to insurance companies for a premium charge. Should a claim occur, Front Row ensures that the production company receives the money that they are owed per the insurance policy as quickly as possible.

Front Row also has offices in Montreal, Toronto and Vancouver with a combined staff of 31.

Tags: Film Production Insurance, Film insurance broker, Front Row Insurance Brokers, Film insurance broker, Kent Hamilton, Kent Hamilton Insurance

Front Row Insurance Brokers announce merger with Globalex of Montreal

Posted by David Hamilton on Sep 23, 2013 5:31:00 PM

Canada's largest film insurance broker is created.


GlobalEx InsuranceVancouver,Canada - - September 23, 1013 -- Front Row is pleased to announce a merger with Globalex after five months of discussion.  Globalex is one of the largest specialized film insurance brokers in Quebec with 12 staff located in their Sherbrooke St office. 

The combined company is licensed and registered in every province and is the largest broker as measured by premium volume for each of the four major film insurance companies: Chubb, Premiere/Everest, Allianz/Firemans Fund and Travelers / St Paul.

"Our volume with the insurance companies gives us a competitive edge when negotiating coverage, premiums and claims settlements for our clients," says David Hamilton, President of Front Row based in Vancouver.

Front Row is an independent broker that works on behalf of producers to transfer the risks of filming to insurance companies for a premium charge. Should a claim occur, Front Row ensures that the production company receives the money that they are owed per the insurance policy.

Front Row also has offices in Toronto and Vancouver.

Tags: Entertainment Insurance, Film insurance broker, Film Production Insurance Premiums, Front Row Insurance Brokers, Canadian Insurance Broker, Canada Film Broker, film insurance underwriter, Globalex Insurance

How Can Travel Delay Insurance Protect You?

Posted by David Hamilton on Jan 4, 2013 4:12:00 PM

Travel Delay Insurance protects your film production Budget when cast do not show up on set.

Travel Delay Insurance coverage is an  Extra Expense coverage that is part of some film production insurance policies  The Fireman’s Fund Insurance Company defines Travel Delays in their insuring agreement as:

 “For reasons other than weather, we will pay for loss due to the closure of any departure airport used by your personnel or used to transport your property, when such airport closure either delays or precludes the timely arrival of personnel or property to a filming location of the Insured Production”.

EXAMPLES of extra expenses covered by the Travel Delay coverage:Travel Insurance

-There is a problem with the baggage belt within the airport delaying baggage & equipment from being loaded onto the plane.

-There is a temporary bomb scare which results in a delay in cast or crew’s flight out of their departure airport.

 As with most other coverages, there are some standard exclusions that apply to Extra Expense coverages. Please see the policy wording for a full description of the coverage, or call a specialized film insurance broker such as Front Row Insurance: david@frontrowinsurance.com.

Tags: Entertainment Insurance, Film insurance broker, Film Production Companies

How can Ingress & Egress Coverage protect your Film Production?

Posted by David Hamilton on Jan 3, 2013 9:44:00 AM

At first read, Ingress & Egress may sound like a type of leakage.  In the case of this Extra Expense (EE) sub-coverage though, it actually refers to circumstances which may arise where persons or property are unable to either gain access (ingress) or leave (egress) a building/location in order to continue work as required.  This coverage is similar in nature to the Civil & Military Authority EE sub-coverage, with the exception that the inability to access or leave the building/location in question is not decided by the authorities.

 As with other Extra Expense coverages, the sub-limit (sum insured) attributed to the sub-coverages is the maximum amount given for that sub-coverage, and all Extra Expense claims cannot exceed the policy Extra Expense maximum limit.

 The Fireman’s Fund Insurance Company (Allianz) defines Ingress/Egress in their insuring agreement as:

 “We will pay for loss due to your inability to access or leave a facility within your care, custody and control due to the closure, by other than a civil authority, of that facility’s access road, meaning a road that affords access into and out of that area within your care, custody and control, which is necessary to be used in connection with an Insured Production to which this Coverage applies.”

 EXAMPLES of losses/delay expenses covered by this Ingress & Egress coverage:732172 48635269[1] resized 600

-Road access to the studio the Insured company is renting is blocked because a sinkhole  has collapsed in the road.

-Your film director is unable to leave his hotel on time because the street in front of the hotel has large fallen trees on it due to a windstorm the previous night.

 NB: As with most other coverages, there are some standard exclusions that apply to Extra Expense coverages. Please see the policy wording for a full description of the coverage, or call a specialized film insurance broker such as Front Row Insurance.

Need help? contact david@frontrowinsurance.com.

 

Tags: Film insurance broker, Film Production Insurance Premiums, entertainment package insurance, Specialized film insurance broker

Umbrella Vs. Excess Liability Insurance Coverage for Film Production

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

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

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

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

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

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

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

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

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

 

 

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

Firearms on the Film Set and Film Insurance

Posted by David Hamilton on Dec 14, 2012 11:00:00 AM

The cost for film Insurance for a production that uses firearms on set  can be minimized by following protocols that make the insurance underwriter comfortable. Insurance underwriters charge more when they are uncomfortable with the perceived risk.

Hire a good  firearms wrangler and ensure they follow these protocols for a safe set and the lowest film insurance cost:

1.            Take charge of all firearms and ammunition and keep an inventory of them

2.            Know all the requirements for handling, transporting, and storing firearms, ammunition and black powder

3.            Comply with all local, provincial, and federal regulations for firearms

4.            Be familiar with the specific firearms being used and their safety requirements. Know how to load, unload, dismantle, clean and reassemble the firearms

5.            Check firearms before and after each use

6.            Clean all firearms daily after use

7.            Load and Unload all firearms (if this is not practical, supervise the handling, loading, and unloading of firearms by designated, trained assistants) as follows:

  • Use the lightest load of blank ammunition necessary for the scene
  • Allow any actor who will be standing near the line of fire to witness the loading of the firearms

8.            Train actors and stunt performers in the safe use of firearms

9.            Take firearms away from actors and stunt performers between takes whenever possible

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

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

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

 

Tags: Film Production Insurance, Film insurance broker, Hazardous stunts, Stunt Insurance, SPFX Insurance, Special Effects Insurance, Film Production Insurance Premiums, Front Row Insurance Brokers, stunt & SPFX, film insurance premium, Specialized film insurance broker

Film Production Insurance & Mechanical Devices / Articulated Set Safety

Posted by David Hamilton on Dec 10, 2012 9:42:00 AM

If a mechanical device or an articulated set is used in a production, the film insurance cost can be minimized if the production company ensures that:

1.            The device or set is capable of safely performing the functions for which it is used

2.            Workers operate the device or set in accordance with the manufacturer’s instructions, safe work practices, and the requirements of the Regulation

3.            The device or set is properly inspected, tested or maintained

If a production company requires that a mechanical device or articulated set to be created for a production, the production company is considered the supplier of that device or set. As a supplier, the production company must provide directions for the safe use of the device or set and must ensure that the device or set is safe when used as specified. Such directions could be developed in consultation with a qualified person such as a professional engineer.

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

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

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

Tags: Film Production Equipment, Film Production Insurance, Film insurance broker, Film Production Insurance claims, Film Production Insurance Premiums, Film equipment insurance, Film Gear insurance, Front Row Insurance Brokers, Film equipment insurance, Film production equipment insurance, Film insurance broker, Specialized film insurance broker

Film Production Insurance: Smoke and Fog Safety on The Film Set

Posted by David Hamilton on Dec 7, 2012 4:52:00 PM

To keep your film insurance premiums to a minimum utilize best practices when using fog and smoke effects on set.

The following substances are typically used to create smoke or fog:

1.            Propylene glycol, dipropylene glycol, butylene glycol, and polyethylene glycol

2.            Glycerin products

3.            Highly refined mineral oils

4.            Cryogenic gases such as carbon dioxide or liquid nitrogen

The choice of substance depends on whether it will be used indoors or outdoors, and whether the cast or crew will be exposed to it for significant period of time.

Film Production Insurance and Smoke Fog SafetyEnsure that you follow the manufacturer’s guidelines when using any of these substances. You should not alter the mix. Never heat substances above the temperatures specified in the guidelines.

Use the minimum chemical concentration for the minimum time necessary to achieve the desired fog or smoke effect. Check  the Regulation to see if the substance you are using has an exposure limit. Do not exceed exposure limits or reduce the oxygen concentration in the air below the normal level.

If necessary, have an occupational hygienist assess ways to reduce exposure and confirm that the oxygen concentration in the air is sufficient.

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

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

 

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

 

Tags: Film Insurance, Film insurance broker, Hazardous stunts, Stunt Insurance, Film Insurance claims, Specialized film insurance broker, Front Row Insurance Brokers, stunt & SPFX, Film and HD Production Companies, film insurance premium, Film insurance broker, Specialized film insurance broker

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