Insurance for body parts for Actors, Models and Performers: What!

Posted by David Hamilton on Jan 9, 2019 2:51:29 PM
 
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Betty Grable was known as the "Girl with the Million-Dollar Legs" because that's what Fox Studios requested from Lloyd's of London for the Body-Parts insurance policy. Grable was once quoted to have said "There are two reasons why I am successful in show business and I am standing on both of them." Grable knew her legs were something to be admired . Most ordinary people wouldn't need this type of insurance, but those who have careers based on their appearance or performance might need body-part insurance coverage. 


There are rumors that Jennifer Lopez insures her rear-end for a billion-bucks, although she denies it. Anyone with a body part that valuable shouldn't go around advertising it.

There are reports throughout the history of the entertainment business of celebrities insuring a variety of body-parts. 

The earliest reports of body-part insurance from come from the 1920's, when a policy insuring silent movie star Ben Turpin's signature crossed eyes from a risk of going straight was issued. It might seem odd anyone famous for crossed eyes could make it big in the first place but, the fact Turpin took out insurance protecting his asset is rather interesting. 

Insurance is a contract binding an insurer to indemnify someone against a specific loss in return for a premium. There needs to be a value for the asset being insured and most of us generally think insurance would cover losses suffered from some kind of disaster. Well, when you think about it, celebrities need body-part insurance if their asset is their rump what would they have if something happened back there? A disaster! 

Bruce Springsteen was once reported to insure his voice for six million dollars and the truth is that had something gone wrong with the Boss' voice it very well may have cost him the rest of his career and substantial future earning potential. When we consider what a movie star, singer or model has an asset it's not so strange to imagine they may want to insure their future in the event something goes wrong. It's just too bad there isn't "No-Talent" Insurance for some of the celebrities.

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Tags: Cast Insurance, Film Productions Cast Insurance, Actors Insurance, Cast Insurance for live performances, Theatre company cast insurance, Actor body insurance

Filmmakers and Producers Insurance

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

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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, Calgary, Toronto, Montreal, Halifax, Nashville, Los Angeles, New York and Denver.

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.

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Harrison ford and film production cast insurance

Posted by David Hamilton on May 20, 2015 10:24:00 AM

Harrison Ford and film production insurance. These terms go together like peanut butter and nuclear warfare.

Han Solo is at it again. After being injured on
film production the set of STAR WARS, Ford- in an attempt
to do his best Buddy Holly impression-was 
injured in a minor plane crash. While flying
his vintage plane he experienced engine
trouble and crashed on a Venice California
gold course. Hopefully next time he'll have
the decency to yell "FORE" before impact.
How will his future film projects be affected?
One thing's for sure, the insurance industry
is taking note.

It has already been reported that insurance carriers associated with Ford’s future film projects may put it in writing that he is forbidden to fly recreationally so long as they carry the film production insurance on his movies. Cast Insurance Coverage reimburses the production company for any extra expense or cost necessary to complete the principle photography of a covered production due to the death, injury or sickness of any covered performer or director. However, most film insurance policies have exclusion under the Cast Coverage for any covered cast member taking part in flying other than as a passenger. 

It is very important for a production to obtain detail on their artist outside interests when signing them onto a project as these type of policy exclusions can become very expensive issues down the line. LLOYDS OF LONDON might be inclined to write a policy that would protect him even if he were to fly during production; however, the premiums would above and beyond the cost of the primary film insurance package. It looks like if Ford wants productions insurance he may have to stick to flying the Millennium Falcon on set. Don't fly, Harrison! Don't Fly!

Tags: Cast Insurance, Cast coverage, Harrison Ford insurance, Harrison Ford flying, Film Productions Cast Insurance, Actors Insurance Actor Insurance

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