Cast Insurance: 5 Reasons to Use an Approved Cast Doctor

Posted by David Hamilton on Jul 10, 2011 10:12:00 AM

CAST INSURANCE

DoctorsAn approved cast doctor will save a film producer time and money when obtaining film production insurance for a film production.

Cast insurance covers against extra expenditures incurred by the production caused by death, sickness, disability or kidnapping of insured cast members, director, DOP, or anyone else designated under cast coverage. Financiers and distributors will usually require cast insurance before they release funds. 

Five reasons why it is well worth the effort to seek out an experienced doctor that is familiar with cast exams:

  1. An approved doctor is trained to dig for more information when an actor is being evasive regarding a previous medical condition such as substance abuse or a bad back. This information is material to the insurance company and the producer as it will determine if the actor will be subject to additional premiums to become insurable.
  2. An approved doctor will not be bullied or awed by a celebrity actor: they obtain better information.
  3. An approved doctor knows what information a film insurance underwriter needs and provides it. There is less back and forth questioning which saves everyone time.
  4. An approved doctor always answers all the questions on the cast medical form which avoids delays.
  5. Last but not least, an approved doctor was approved in the first place because they have legible handwriting! 

Get a Quote

Feel free to contact me david@frontrowinsurance.com if you would like me to send you a free list of approved cast doctors in North America.

RELATED POST:

Essential Elements (EE) Cast Insurance

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 Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production, Film Producers, Front Row Insurance Brokers, Film Production Companies, Cast Insurance

Film Production Crew: Always Ask if you are Covered by Workers Comp

Posted by David Hamilton on Jun 14, 2010 3:18:00 PM

workers compensation
Workers Compensation for Film Crews

Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.

If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers compensation coverage for the crew and general liability coverage for the production in general.

Workers comp. will provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces the film maker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing work comp.

The benefit to the producer is that once the injured crew member accepts the work comp benefits, they usually waive the right to sue the producer. This is good insurance for the producer.

Sometimes that insurance company or government work comp agency will not provide coverage if the crew and cast are not being paid as there is no way to determine loss of future earnings. For this reason the producer should arrange to make nominal payments to cast and crew.

If you are a crew member that gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant.

Always ask the producer if you will be covered by workers comp even when volunteering on a short shoot in any capacity.

RELATED BLOG POSTS:

WORKERS' COMP EXPLAINED
 
FOCUS ON SAFETY TO REDUCE FILM PRODUCTION WORKERS COMPENSATION CLAIMS

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 Production Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production, Film Producers, Commercial Production Insurance, Documentary Insurance, Film Production Companies, Commercials, Workers Comp insurance

Film Production Insurance and Trains: Stay on Track

Posted by David Hamilton on Feb 14, 2010 4:31:00 PM

The film production company should always advise their Film Insurance broker well in advance of the anticipated use of any railway cars or equipment. You should never sign a contract with respect to use of trains without first having your entertainment insurance broker review the document.

If the train is being used as a prop/set and is not in motion, then damage to the train itself would be provided under Props/Sets/Wardrobe coverage. If the train is in motion a sublimit would be in effect for physical damage to the train.

Liability coverage is provided under Commercial general Liability policy. If you are required to indemnify the train owner, then specific coverage arrangements must be made prior to the use of the train.

In order to provide a quote/coverage for Railway Cars and Equipment, please forward answers to the following:

Railroad Questionnaire

Please provide:

  1. A copy of the railroads contractual agreement
  2. Description of scenes involving railroad equipment
  3. Dates equipment used
  4. Locations of equipment:
    1. Where is equipment stored?
    2. Where is equipment moved to? Exact street address.
    3. Where is equipment returned after use is over?
  5. Type of equipment used? Please list.
  6. Activities the production company has with the equipment.
  7. How many people will be "on board"?
  8. Distances and speed of equipment
  9. Any stunts? Please list. Please complete a stunt questionnaire.
  10. Will main line tracks be used during filming days?
  11. Please advise how the cast, crew, equipment and public will be protected during filming.

The same advice will apply no matter if you are shooting a feature film, TV series, documentary or a short film.

Please contact us if you have any questions.

Topics: Film Production Insurance, Short Film, Film Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production, Annual Film Insuruance, Documentary Insurance, DICE Insurance, Film Production Companies, TV Series, Railroad Insurance

Film Production Insurance Coverages Explained - Part 1

Posted by David Hamilton on Nov 23, 2009 10:59:00 AM

There are several coverages that a producer needs when insuring a film project (by film , I also mean HD and video). In the first of a four part post, I will explain the main coverages. 

CAST INSURANCE

  • Covers against extra expenditures caused by death, sickness, disability or kidnapping of insured cast members, director, DOP, or anyone else designated under cast coverage

NEGATIVE FILM & VIDEOTAPE INSURANCE

  • Covers against extra expenditures caused by loss of, damage to, or destruction of Negative or Tape or Hard Drive on an "all risk" basis, excluding coverages outlined under the Faulty Stock, Camera & Processing coverages.

FAULTY STOCK CAMERA & PROCESSING INSURANCE

  • Covers against extra expenditures caused by damage to, or destruction of negative or tape caused by faulty stock, faulty camera, faulty processing and accidental erasure or exposure to light

PROPS, SETS & WARDROBE INSURANCE

  • Covers props, sets, scenery, costumes, wardrobe and similar theatrical property on an "all risk" basis against direct physical loss or damage to the rented property.

MISCELLANEOUS EQUIPMENT INSURANCE

  • Covers cameras, camera equipment, sound and lighting equipment, grip equipment and similar miscellaneous equipment on an "all risk" basis against direct physical loss or damage .

PROPERTY DAMAGE LIABILITY INSURANCE

  • Covers against all sums the insured shall become legally obligated to pay because of loss of, injury to, or destruction of property of others in the care, custody or control of the insured
  • Excludes property covered under miscellaneous equipment and props, sets and wardrobe coverage

I will explain more coverages in a future post.

 

Topics: Film Production Insurance, Film Insurance, Production Insurance, Entertainment Insurance, Film Production, Film Production Equipment, DICE Policy, Annual Film Insuruance, Commercial Production Insurance, Documentary Insurance, Documentary Films

Film Production Insurance: Who is Protected?

Posted by David Hamilton on Nov 15, 2009 11:49:00 AM

Film producers often ask me who is protected under the Film Package Policies. The following are all covered by Policies that I arrange.

If you are:

  1. An individual producer, you and your spouse are Insureds, but only with respect to the conduct of a business of which you are the sole owner.
  2. A partnership or a joint venture, you are an insured. Your members, your partners, and their  spouses  are also Insureds, but only with respect to the conduct of your business.
  3. An organisation, other than a partnership or joint venture, you are an insured, your executive officers and directors are Insureds, but only with respect to their duties as your officers and directors. Your stockholders are also Insureds, but only with respect to their liability as stockholders.
  4. An employee on the film production payroll you are an Insured, but only for acts within the scope of your employment whilst working on the film production. This means the actors, director, DOP, art director, production manager and so on down the crew list are all covered and protected by the production package and liability policies.

There is no need to request insurance certificates adding the producer, production manager, DOP etc., to the policy. All persons on the payroll of a production that I have arranged coverage for are protected

However, I will always provide certificates when requested.

Topics: Film Insurance, Film Production, DICE Policy, Annual Film Insuruance, Commercial Production Insurance, Documentary Insurance