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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Helicopter Film Insurance: Protect your production against a crash

Posted by David Hamilton on Mar 19, 2012 11:03:00 AM

Film productions often use helicopters for aerial filming. This 30 second video shows a spectacular helicopter crash during a production in Asia:


To make sure you are covered when using a helicopter during your film production you should never sign a contract with respect to the use of aircraft without first having our office, or a specialized Film Insurance Broker, review the document.

If the aircraft is being used as a prop/set and is not in motion, then insurance for damage to the aircraft itself would be provided under the Prop/Set/Wardrobe coverage subject to policy limits, and liability Insurance coverage would be provided under the Commercial General Liability policy. However, if the plane is in motion either under its own power or being propelled by any other means (i.e. being towed) then coverage may be compromised and special non-owned aircraft insurance / aerial liability coverage may be needed.

We recommend the following guidelines when you require helicopter film insurance:

a) Require the company from whom you are renting/leasing the aircraft from to add the Production Company as an additional insured to their insurance policy.

b) Request a waiver of subrogation   with respect to hull damage.

c) Request that their policy contains a Cross Liability Clause

d) Request that their policy includes coverage for passengers.

e) Request a Certificate of Insurance showing the limits of coverage and confirming that items a, b, c, and d have been included in their insurance coverage.

f) Obtain a Hold Harmless Agreement from the owner of the aircraft. This should be included as part of your rental agreement. Legal counsel should assist with this agreement.

Aircraft Questionnaire:

If any aircraft are hired, we will have to arrange Non-Owned Aircraft Liability coverage protecting your legal liability for bodily injury and property damage to hired parties arising out of the use of the aircraft. In order to arrange this coverage, we will need the following information:

1. Exact dates of use

2. Location

3. Owners Name

4. Description of the aircraft, including registration number

5. Name of the pilot and number of hours experienced in aircraft

6. Details concerning filming activities, i.e. storyboard

7. Number of persons in aircraft at any one time and relationship to the production company

8. The seating capacity of the aircraft

9. Value of hull if Hull Insurance is required on the aircraft.

Alternatively, the production company can be added as an Additional Insured to the Aircraft Owners Hull and Liability Policy. Please call for details.


Tags: Film Insurance, Film Production Insurance claims, Film Insurance claims, Film Equipment, Aircraft Insurance, film with helicopter, helicopter film insurance, helicopters for aerial filming, aerial liability, non-owned aircraft insurnace

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