Production Equipment and Props/Sets/Wardrobe Insurance Explained

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

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, Film Production Equipment, props sets wardrobe insurance, insurance for film set

Online Insurance for Owners of Camera, Sound & Lighting Gear

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

Man holding film camera

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

This 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, Film Production Equipment, Film Equipment, Camera Insurance

Film Production Insurance & Mechanical Devices on Set

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

MECHANICAL DEVICE SAFETY ON FILM SETS

Mechanical device film set

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.

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

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

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

Topics: Film equipment insurance, Film Insurance, Film insurance broker, Film Production Insurance Premiums, Film Insurance claims, Film Production Equipment

Film Production Companies and Camera Cars: Reducing the Risk

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

The Camera Car in Filmmaking

Camera car

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

Safety requirements when working with insert-camera cars:

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

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

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

Topics: Film equipment insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production Insurance Premiums, Film Insurance claims, Film Production Equipment, entertainment package insurance, Film Production Companies, film insurance underwriter

Film Production Companies and Lighting Safety

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

Setup Film Set Lighting Safely

Film set lights

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

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

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

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

Topics: Film equipment insurance, Short Film Insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Insurance claims, Film Production Equipment

Call Sheets Help Reduce Film Production Insurance Costs

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

DAILY CALL SHEETS

Daily call sheet

Daily Call Sheets are a useful way to alert cast and crew to potential hazards for that day’s shooting schedule, and to inform them about which safety precautions they might need to take.  Film Insurance underwriters appreciate the risk management component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.

The following should be included on Call Sheets:

  • Scheduled stunts
  • Any special effects that will be used
  • Scheduled use of firearms
  • Potential hazards specific to the location
  • Any required personal protective clothing and equipment and how workers can get it
  • The name, contact number, and location of the first aid attendant
  • The location of the first aid kit or facility
  • The location of the nearest hospital or emergency facility
  • Any other health and safety concerns that the cast and crew need to be aware of

Safety guidelines should be attached to call sheets, i.e., If any special effects are to be used on the set, then a safety guideline should be attached specific to the type of special effects that will used. For example, if you are shooting near a thoroughfare with lots of traffic, it may be useful to add notes about this on the call sheet. What are the weather conditions like? Will the crew require special footwear or clothing for extreme temperature? What about sunscreen or hydration requirements?

Along this line of thought, it is important to include information such as the nearest hospital, along with any other emergency numbers that are specific to your location.

Have you thought about:

Putting up safety posters in common areas around the set location as a reminder to pay attention to certain hazards around the workplace and certain locations, e.g., Aerial filming.

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

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

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

Topics: Short Film Insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production Insurance Premiums, Film Insurance claims, Canadian Insurance Broker, Film Production Equipment, Commercial Production Insurance, Documentary Insurance, SPFX Insurance, DICE Insurance, Film Production Companies

Earthquakes and Film Production: What to do when the Earth Moves

Posted by David Hamilton on Oct 26, 2012 10:44:00 AM

EARTHQUAKES & FILM PRODUCTION:
WHAT TO DO

EARTHQUAKES & FILM PRODUCTION: WHAT TO DO

If you are indoors on a film production set or in a film production office...

DROP, COVER AND HOLD ON:

  • Drop under heavy furniture such as a table, desk, or any solid furniture.
  • Cover your head and torso to prevent being hit by falling objects.
  • Hold onto the object that you are under so that you remain covered.

If you are outdoors on a film location:

  • Stay outside.
  • Go to an open area away from buildings. The most dangerous place is
    near exterior walls.
  • If you’re in a crowded area, take cover where you won’t be trampled.

If you are in a production or picture vehicle: 

  • Pull over to a safe place where you are not blocking the road.
  • Avoid bridges, overpasses, underpasses, buildings or any structure that could collapse.
  • Stop the vehicle and stay inside.
  • Listen to your car radio for instructions from emergency officials.
  • If power lines are down, do not attempt to get out of the car.

Avoid the following in an earthquake: 

  • Doorways, which can slam shut and cause injuries.
  • Windows, bookcases, tall furniture and light fixtures, which can shatter or lead to other injuries.
  • Elevators: get out as soon as you can.
  • If you’re near a coastline in a high risk area during a strong earthquake, immediately move inland or to higher ground until officials declare the area safe.

Front Row is experienced with insuring film productions against earthquakes: ask us how.


Related Posts:

Earthquakes and Film Production: Know the Risks and be Prepared

Earthquakes & Film Production: Prepare an Emergency Kit before the Quake

Topics: Film equipment insurance, Film Insurance, Entertainment Insurance, Entertainment Insurance Broker, Film Insurance claims, Canadian Insurance Broker, Film Production Equipment, Film production offices, Commercial Production Insurance, venue insurance

Earthquakes and Film Production: Know the Risks and be Prepared

Posted by David Hamilton on Oct 22, 2012 6:38:00 PM

EARTHQUAKES AND FILM SETS

Earthquakes and film sets

What would happen to your film production if IT were shaken by a violent earthquake?

There are various measures you can undertake to minimize damage so that you can continue to film as soon as possible:

  • Staff and crew should be shown how to turn off the water and electricity in the office and on set, with on/off positions clearly labeled.
  • Water heaters should be secured to wall studs or masonry: ask your landlord to do this.
  • Secure all major appliances/electronics to walls, including expensive or fragile items that if damaged, would be a significant loss.
  • Secure top-heavy set furniture to walls with heavier items kept on lower shelves.
  • Put anti-skid pads under TVs, computers, and other related camera equipment.
  • Keep flammable items and other chemicals used on set away from heat and where they are less likely to spill.
  • For mobile trailers on set, leave the wheels on or use a structural bracing system that can reduce the chance of the unit falling off its support.
  • Ensure that sufficient emergency kits are located around the office/on set, and designated staff and crew know where to access them.

Discuss earthquake coverage with your film insurance broker to ensure that your production will have the financial ability to recover losses after an earthquake. Ask your broker: does your Film Production Insurance include coverage for earthquakes?

Front Row is experienced with insuring Film Productions against earthquakes: ask us how.

Related Posts:

Earthquakes & Film Production: Prepare an Emergency Kit before the Quake

Earthquakes and Film Production: What to do when the Earth Moves

Topics: Film equipment insurance, Film Insurance, Film insurance broker, Entertainment Insurance Broker, Film Insurance claims, Canadian Insurance Broker, Film Production Equipment, Film production offices, Commercial Production Insurance, Documentary Insurance

How a Specialized Film Insurance Broker can help your Production

Posted by David Hamilton on Apr 10, 2012 5:54:00 PM

How a film insurance broker helps

Film InsuranceA broker will help identify the risks associated with a production. Once the risks are identified, the risk can be transferred to an insurance company for a fee or premium. The film insurance broker negotiates the lowest possible premium and the broadest coverage available in the market place. In Canada, there are four film insurance companies: Chubb, Fireman’s Fund, Premiere and Travelers. Front Row is able to provide you with a quote from each of these companies in an easy to understand comparison format.

Unlike insurance agents - who work for the insurance company -  Insurance Brokers work for the client. Insurance brokers are recognized by law as experts in insurance. Insurance Brokers in Canada must pass a series of exams in order to be licensed and there is annual continuing education to maintain a license. Make sure your broker is licensed in the province that you are shooting your production or the production could be fined or subject to a surtax.

Insurance Brokers owe a higher duty of care to their clients than an Insurance Agent. Brokers represent the interests of their clients, not the insurance companies. They offer professional advice in arranging insurance on behalf of their clients.

Since insurance brokers are considered under the law as professionals, they are responsible for their actions and can be sued for professional negligence if their advice is deemed to be faulty. All licensed brokers therefore need to carry professional Errors and Omissions coverage. You should ask your broker the limit of E&O insurance that they cover:  $1,000,000 may not be enough once defense costs are deducted from the limit.

The many roles of a broker include: 

  • Negotiate with the insurance companies on behalf of clients. There are four insurance companies in Canada: an Insurance broker must be familiar with what these companies offer so that the best price and coverage is procured for the producer.
  • Brokers facilitate claims - Because the broker works on behalf of the client, it is their duty to ensure that insurance companies pay the full amount of the claim that the client is entitled to.
  • The broker acts as a conduit for communication between the insurance company and the client. 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 clients on ways to limit potential liabilities during production.
  • Review scope of the client's existing insurance policies to reveal gaps or deficiencies in the coverage.
  • Comprehensive examination of the clients production to assess the amount and type of insurance required. A broker will also help the client understand what coverage they have and do not have and they can explain any limits to the coverage.

It is important to deal with a broker that understands the specific language shown on Film Production Policies. For this reason, it is strongly suggested that you seek out a specialized Film Insurance Broker when you need insurance for your production.

Related post: How to choose the right film insurance broker

Topics: Film equipment insurance, Short Film Insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production Insurance Premiums, Film Production, E&O Insurance, Multimedia Risk Insurance, Film Insurance claims, Canadian Insurance Broker, Film Production Equipment, Film production offices, Commercial Production Insurance, Documentary Insurance, DICE Insurance, Film Production Companies, Cast Insurance, Educational Film Insurance

Film Production Equipment Insurance – Why you NEED Extra Expense

Posted by David Hamilton on Oct 15, 2011 2:06:00 PM

EXTRA EXPENSE (EE) COVERAGE

Man holding film cameraWhen film production equipment is damaged or stolen what do you do? Ultimately your film production equipment insurance policy should provide the necessary coverage to replace your equipment; however it can take weeks, sometimes months to get insurance claims paid out. So what do you do in the meantime?

If you intend to continue your business, you must resume all or part of your operations as quickly as possible, and that work requires equipment. ‘Extra Expense’ coverage provides reimbursement for any costs that exceed normal operating expenses that would have been incurred had there not been a loss. Extra Expense will pay the costs for you to rent replacement equipment along with any temporary relocation, space rental and additional crew salaries. Extra Expense coverage is not automatically included on a HD production equipment insurance policy. Make sure your film equipment rental insurance policy includes EE.

Does your current policy provide this coverage?

Receive a free no obligation Equipment Insurance quote that includes extra Expense Coverage here!

MORE EE ARTICLES:

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, Film Production Equipment, Film Equipment, Film equipment rental insurance