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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Elmo and Film Production Liability Insurance

Posted by Steve Beatty on Jul 20, 2015 10:53:00 AM

animation-bannerWhat could Elmo have to do with General Liability Insurance for Film Production?

A legendary Sesame Street character loved by generations of children. Along with Big Bird and Oscar the Grouch, he is an icon whose scraggly red face will never be forgotten. All of this was called into question two years ago, however, when Elmo puppeteer Kevin Clash was charged with sexually abusing a minor.

It has been a long and arduous battle in court, but on the heels of his final charges being dropped, it only makes sense to discuss how production liability insurance for television can protect projects from these kinds of charges.

First let us mention that most production liability insurance policies will exclude claims related to sexual abuse. This means that claims will not be paid and organizations where an employee has been charged will be left without protection. Our actONE program includes this coverage to protect the organizations only. The employee is not protected as illegal acts are uninsurable. Having said this we will cover all trial costs if he/she is found not guilty.

One of the other major features of the policy we provide is Public Relations Coverage. This foots the bill for any expenses incurred in hiring a public relations expert to manage the reputation damage that comes with sexual abuse claims.

So what can you do to protect your organization?

Firstly, criminal background checks are a great form of due diligence that can prove you were as careful as possible in the event of a law suit. We encourage them particularly where theatres offer educational workshops involving minors.

Lastly, for projects in theatre film or television,  if anyone under the age of 18 will be on set in the company of adults employed by you, it is crucial that you divulge this to your broker in advance.

We can’t protect against what we don’t know about, and in cases like this…

One error can break you.

Tags: production liability insurance policies, production liability insurance for films, Production Liability Insurance, production liability insurance for television, production liability insurance for theatre

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