Film Production Insurance for Renovation Shows

Posted by David Hamilton on Jan 9, 2019 3:09:19 PM



Arranging film production insurance for your renovation show should be done with the help of a specialized entertainment insurance broker. 

The following information is to be used as a general reference only and does not alter the insurance policy wording for your specific production.  In all cases, actual coverage is subject to the policy language, terms and conditions of the long form policies to be issued by the insurance company.  Additionally, the following is not intended to be legal advice but rather are general recommendations intended to reduce your exposure to an insurance claim.  When entering contracts with anyone you should consult a lawyer to draft appropriate language for your specific circumstances and to ensure that you are adequately protected. 

With renovation shows we suggest that you consider the following guidelines: 

  • Hire a general contractor to oversee major changes and the general contractor should be responsible for hiring subcontractors.
  • Insist that the general contractor and subcontractors provide you with proof of liability insurance for their operations in the form of an insurance certificate issued by their insurance  company.
  • The insurance certificate should evidence coverage for Products and Completed Operations, should contain a cross liability and sever ability of interest clause and name the production company as an additional insured.
  • Homeowners should review and sign a release containing a hold harmless and waiver of subrogation clause against the production company.
  • Where possible homeowners should be included in the renovation decision making process for each change made.
  • Your contract with the general contractor should contain a hold harmless provision protecting prod co from any claims arising from work completed by the contractor.  You should also consider an indemnity provision requiring the contractor to pay you back for any expenses, claims or suits brought against you resulting from their negligence or faulty workmanship.
  • Have you made arrangements with the contractors to come back and fix problems with the homes?  Does the contractor provide a warranty on work performed?  The contract should be between the homeowner and general contractor (not the production company).

Ultimately the homeowner could sue the production company and the contractor if they feel work was poorly done but adopting some of the guidelines above, having contractors who are properly insured and including the homeowner in decisions being made would greatly reduce your exposure to loss.

Decorating shows that involve changing room colours and adding new furniture etc. are less risky than more major renovations but when you are working on any third party properties there is a greater risk of something going wrong. Use a specialized film insurance broker to ensure you are properly covered. 

Topics: Film Production Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, entertainment production insurance

Pre-Production Insurance for Filmmakers

Posted by David Hamilton on Oct 2, 2018 2:35:17 PM


Keep a Minor Pratfall from Becoming Your Downfall.

Ah, pre-production. You’re one small step closer to getting your project in the can! Your script treatments are finished, crew hired, and cast chosen. You’re ready to get started building sets, designing costumes, and planning your shooting schedule. Normally this is not the stage of the game where things go wrong, but let’s consider a couple of scenarios where something does:

  • A large set piece falls over and will need repair or replacement. It was needed in a key scene.
  • A pipe bursts in your production office and important documents are water-damaged.

A film producer’s risk policy (also called an “Entertainment Package Policy”), includes a number of coverages which protect you against situations like the above. These coverages include:

Extra Expense Insurance.

This is a type of business interruption coverage which covers you for delays caused by loss or damage to property or facilities used in connection with the production. In example #1 above, it would compensate you for the additional cost and time of replacing the damaged set piece.

Office Contents

This coverage offers protection against damage or loss to the contents of your production office, including but not limited to:

  • Furniture
  • Equipment
  • Fixtures
  • Improvements & betterments
  • Valuable Papers and Records (e.g., written film tape, disc, drum, cell, printed or otherwise inscribed documents and records including books, maps, abstracts, deeds, manuscripts or other magnetic recording or storage media).

Ensuring you have the right coverage for your production will provide peace of mind and allow you to focus on what’s important—making your film. Contact us today.

Topics: Film Production Insurance, pre production insurance for filmmakers

The Annual Film Production Insurance Package Made Easy

Posted by David Hamilton on Sep 13, 2017 4:46:15 PM

The Annual DICE Insurance Policy takes the hassle out of purchasing film insurance for your film productions. It is flexible, affordable, and customizable designed to fit your individual needs. 

This policy will not only save you time, it will also save you money. Insuring all your productions under one policy helps to cut the costs, as it will reduce the administrative expenses associated with insuring each production individually, and these savings are passed onto you.

The Annual DICE Policy is specially designed to provide:  insurance for commercials, documentary insurance, coporate video insurance,educational film insurance, music video insurance, training video insurance, short film insurance, and still photography insurance.

Check out our Infographic below for coupon savings and more.

DICE Infographic Hyperlink.jpg

Interested in seeing more? Visit the Front Row Insurance Website for a free no obligation quote!

Topics: Film Production Insurance, Short Film Insurance, Entertainment Insurance, DICE Policy, Commercial Production Insurance, Documentary Insurance, Front Row Insurance Brokers, DICE Insurance, corporate video insurance, educational film production insurance, music video production insurance, music video insurance, Educational Film Insurance

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.

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

Obtaining Insurance for your Short Film

Posted by David Hamilton on Dec 30, 2013 3:59:00 PM

Insuring your short film is a fast and easy process thRough Front Row.

Our Short Term Production Insurance program can include the following coverage for up to 14-days: (note that this is for Canadian based producers only)

  • Insure $10,000 of rented equipment for $85
  • Insure $50,000 of rented equipment for $121
  • Insure $100,000 of rented equipment for $167
  • Insure $250,000 of rented equipment for $304
  • Short Term Rented Equipment Limits up to $1,500,000
Get Your Online Quote NowThe locations that you film at will usually want to see proof of your location liability insurance before the property owner will give you access to film. Liability insurance will repair any property damage that your crew causes at a location. The liability insurance will provide you with a lawyer if you are sued.

The equipment coverage will pay to repair or replace lighting, cameras and other gear that you damage.

The equipment will be covered anywhere in Canada or the USA. You will be covered even if your gear is lost or stolen while travelling.

We will need the following detail in order to provide a quotation:

  • Who is the named insured? This can  either be you personally or your company if you have one.
  • What is your address and e mail.
  • What is the approximate value of the gear that you are renting?
  • How many minutes will your finished project be?
  • How many days will you be filming?
  • Where will you be filming?
  • What is the budget of your shoot?
  • Will there be any stunts or special effects?

We can also provide you with a year of coverage if you have multiple projects and we can cover your larger projects such as a feature or a series.
Click here to get covered now! ▸ 


Topics: Film Production Insurance, Short Film, Film equipment insurance, Short Film Insurance, Short Film Insurance Cost, Short Film Production Insurance, Film Gear insurance, Film production equipment insurance, Short Term Equipment Insurnace, Short Shoot Insurance

Film Production Companies & Pyrotechnics: Who can work with Pyrotechnics

Posted by David Hamilton on Jan 2, 2013 1:41:00 PM

Only trained and certified workers can plan, rig, and detonate pyrotechnic special effects on a film production. Uncertified SPFX workers could invalidate your film production insurance.

The Explosives Regulatory Division of Natural Resources Canada issues four classes of pyrotechnic special effects certification:

1.            Theatrical User

2.            Assistant

3.            Pyro technician or special effects pyro technician

4.            Authority having jurisdiction (ie. A fire chief or fire protection officer)

For additional information about pyrotechnic special effects certification, contact the Explosives Regulatory Division of Natural Resources Canada.

Who is in charge of pyrotechnics?

The special effects coordinator for a production has final authority on all safety matters related to pyrotechnics used in that production. The special effects coordinator must remain on set at all times during the preparation, placement, testing and firing of any pyrotechnic special effect.

Follow all laws and requirements before using pyrotechnic special effects and get all the required licenses and permits.

Use, handle, store and transport pyrotechnic materials in accordance with all applicable federal, provincial and municipal laws such as the Canada Explosives Act, the Transportation of Dangerous Good Act, and the Occupational Health and Safety Regulation.

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 Production Insurance, Stunt Insurance, SPFX Insurance, Special Effects Insurance, stunt & SPFX, Pyrotechnics

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:

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

How does Imminent Peril Insurance Coverage Protect your Production?

Posted by David Hamilton on Dec 31, 2012 12:08:00 PM

Imminent Peril is part of Extra Expense coverage. EE itself is similar to Business Interruption insurance, except that it will not cover loss of income, but rather if you suffer an insured loss it will pay for the extra costs to get your production back to filming as soon as possible.  It will also reimburse you for extra costs incurred because something out of your control has prevented you from filming.

 What does ‘Imminent Peril’ cover? :

 ‘Imminent Peril’ is defined in the policy as “We will pay for expenses you incur to avoid a loss insured under this policy due to imminent peril to the extent that such expenses serve to avoid such loss.” It will pay for the damage you cause to prevent further damage.

 EXAMPLES of losses that would be insured by Imminent Peril:1067343 62302481[1] resized 600

- A sudden  storm hits your external set with golf ball sized hail stones. To prevent damage to your filming gear, you tear down a façade from your set to cover the cameras. The cost to rebuild the intentional damage to the set would be covered by Imminent Peril.         

- A small fire ignites in your production office.  You attempt to control the fire by switching off the gas supply, breaking the alarm glass, using fire extinguishers and fire blankets, and evacuate the building to protect persons and property.  This coverage will pay for these extra materials and lost productive time used to minimize damage.


 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:

Topics: Film Production Insurance, Entertainment Insurance, Film Insurance claims, Documentary Insurance, DICE 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)

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

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)

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