Filmmakers and Producers Insurance

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

film producers insurance

film producers insurance

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

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.

Topics: Short Film Insurance, Film Insurance, E&O Insurance, Cast Insurance, helicopter film insurance, Storm damage film production insurance, Flood insurance for Film, Chubb Film insurance, Film and entertainment insurance, Film permission, Film Production Vehicle Insurance, automobile insurance for films, production liability insurance for films, Public Liability Insurance for Film, Film equipment rental insurance, Workers Compensation, insurance for film set, Film Extra Expense, film school insurance

How to choose between a DICE Policy and a Short Shoot policy*

Posted by David Hamilton on Sep 22, 2017 4:56:00 PM

HOW TO CHOOSE BETWEEN A DICE POLICY AND A SHORT SHOOT POLICY*

A Short Shoot Policy is intended for those producers who are conducting shoots lasting 15 days or less, using rented equipment and with budgets of $250,000 or less. This makes it ideal for short film producers, student projects or anyone else who will be filming on a short term basis and requires insurance. Equipment coverage can apply to any rented film production equipment as well as rented props, sets and wardrobe up to the specified policy limits. Commercial General Liability coverage can also be purchased either together with equipment coverage or on a standalone basis. If you would like a free non-obligation quote or to purchase coverage, visit our Short Shoot policy website here. *Currently we are only able to provide this coverage to Canadian Producers. If you require this coverage from outside of Canada please contact your local Front Row office for assistance.

The Dice Package Policy is intended to provide insurance for documentaries, corporate videos, commercials, educational films music videos and more. It is best suited for producers who are planning to produce projects other than feature films or TV series. This can provide coverage for a full year for Rented and Owned equipment as well as Props, Sets and Wardrobe, Office Contents, Vehicle Physical Damage and more. Commercial General Liability coverage can also be purchased either together with the equipment coverage or on a standalone basis. If you would like more information or to request a free non-obligation quote, please visit our DICE Policy website here. If you are a US based Producer please click here instead.

For more information, view the infographic below:

DICE - Short Shoot Infographic (Canada).jpg

 

related post:

How to choose between a DICE Insurance Policy and a DigiGear Policy?

 

Topics: Short Film Insurance, Commercial Production Insurance, DICE Insurance, Film equipment rental insurance, corporate video insurance, documentary productions insurance, educational film production insurance, music video insurance, Educational Film Insurance

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: Short Film Insurance, Film Insurance, Entertainment Insurance, Commercial Production Insurance, Documentary Insurance, DICE Insurance, corporate video insurance, educational film production insurance, music video insurance, Educational Film Insurance

Effortless and Affordable Short Term Film Insurance

Posted by David Hamilton on May 27, 2016 3:49:23 PM

short film insurance


Short film insurance can be arranged quickly through us, usually over the phone.  Our program is very popular with new and established film makers because of the low cost and the simple process to arrange a policy. 

Note that we can only assist individuals that live or have a company in Canada at this time; however, worldwide coverage is available to our Canadian film makers. 

To provide you with a short film insurance cost, we need a few details. The fastest way to receive a quote is to complete the short application telling us about your project by clicking the link below. 

Get a 2 Minute Quote

Short Term Equipment InsuranceWe can provide Short Term Equipment Insurance starting at $300!

If you would like to add film location liability for one week , we can do so for a small additional premium.

We can also provide affordable coverage for: 

If you would like an annual policy to cover multiple productions, please visit our D.I.C.E Page (Documentaries, Industrial Films, Commercials, Educational Films – it also covers short shoots, music videos and feature films with lower budgets).

Topics: Short Film Insurance, Film Insurance, Film insurance broker, Film Location Insurance

First broker to offer short term film insurance policies online

Posted by Meghan Stickney on Oct 15, 2014 12:01:29 PM

new short term production insurance online program

Vancouver, Canada -- October 15, 2014 -- Front Row Insurance Brokers Inc. is pleased to announce the launch of their new short term production insurance online program. This will allow filmmakers to obtain quotes for short term projects in less than five minutes 365 days a year 24-hours a day. A policy can be purchased online and all associated documents can be downloaded in less than ten minutes. Given the flexibility of the online tool, filmmakers can purchase coverage on the day they need it. A large web development firm worked with Front Row to help bring the best product to market.

Clients can choose short term equipment insurance for their rented gear, and/or short term general liability to protect filming locations. Coverage can also include props, sets and wardrobes, as well as rented production vehicles. Policy terms are for up to 15 days and coverage is provided anywhere in Canada and the United States. Equipment rental company and location certificates are unlimited and provided for free. The certificates are delivered instantly. Rented gear is covered for theft, damage and loss of use. All equipment is covered for replacement cost. Equipment includes, but is not limited to: audio, lighting and film gear. The program is available to filmmakers across Canada.

The types of short shoots that can be covered are: short films under 30 minutes in length, commercials, music videos, documentaries, public service announcements, corporate films, teasers and more. Some examples of pricing for 15 days of coverage are:

• $20,000 rented equipment coverage costs $93 CAD, while $100,000 costs $147 CAD
• $2,00,000 location liability coverage costs $450 CAD, while $5,000,000 costs $600 CAD
• $1,000 deductible for gear

“Short term filmmakers are the future of the film industry and the future of our business,” said David Hamilton, President of Front Row Insurance in Vancouver. “We wanted to find a way to lower the cost to insure short term films as much as possible and deliver the coverage with a minimal effort and time. Our soft launch at the 2014 Vancouver International Film Festival Industry Forum resulted in excellent feedback from filmmakers.”

The website is: www.frontrowinsurance.com/short-term-production-insurance

About: Front Row Insurance Brokers Inc. is an independent film insurance broker that works on behalf of filmmakers to transfer the risks of filming to insurance companies for the lowest possible cost. Should a claim occur, Front Row ensures that the filmmaker receives the money that they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Los Angeles.

full-entertainment-insurance-logo_film-music-production1-01


Contact:
David Hamilton, President
david@frontrowinsurance.com
Ph: 604-684-3456

Topics: Short Film Insurance

FILM PRODUCTION INSURANCE PREMIUMS: ONE WAY TO SAVE MONEY

Posted by David Hamilton on Jun 30, 2014 5:03:00 PM

Film set outdoors

save money on your film insurance premium

One of the simplest ways to reduce film production insurance premiums is to lower the net insurable budget. The net insurable budget is the amount left once various budget line items are removed from the definition of insurable costs. The rate that is negotiated with the insurance company is applied against the net budget.

A typical rate might be .70 cents per hundred dollars of net budget depending on the current insurance market conditions. To illustrate, let us assume a cable TV movie needs to be insured with a budget of $2,000,000. Typically, we would remove the following line items as costs that do not need to be insured: 

  1. Story and scenario - we will assume this amount is $50,000 (I know, writers are never paid enough).
  2. Post Production costs - we will assume this amount is $200,000

Claims that happen during post production are covered; however, due to the low risk of claims in post, the insurance company does not apply rate to post costs which is why it has been removed.

$2,000,000 less script and post costs leaves a net insurable budget of $1,750,000. $1,750,000 times the negotiated rate of .70 results in a premium of $12,250. If the net were less than $1,750,000 the premium would go down.

Other budget costs to consider removing from our sample budget might be:

  1. Producer fees ($50,000)
  2. Development ($20,000)
  3. Publicity ($5,000)
  4. Overhead ($35,000)
  5. 50% of contingency ($25,000)

Removing the above items would lower the net insurable budget by $135,000 to $1,615,000 and would result in a premium savings of $945.

Once the budgeted cost is removed from the net insurable budget, it is no longer insured in the event of a claim so producers need to be sure before removing anything from the insured budget.

As specialized film insurance brokers, we can help guide you to an appropriate net insurable budget for your film production.

Related Post: FILM PRODUCTION INSURANCE: HOW THE PREMIUM IS DETERMINED

Topics: Short Film Insurance, Film Insurance, Entertainment Insurance, Film Production Insurance Premiums, film insurance premium

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, easy process WITH Front Row


Our Short Term Production Insurance program can include the following coverage for up to 15-days: (note that this is for Canadian based producers only)

  • Insure $10,000 of rented equipment for $99
  • Insure $50,000 of rented equipment for $137
  • Insure $100,000 of rented equipment for $184
  • Insure $250,000 of rented equipment for $236
  • Short Term Rented Equipment Limits up to $1,500,000

Get Your Online Quote Now

The 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. This 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! ▸

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 equipment insurance, Short Film Insurance, Film Insurance

Risk Assessments for Film Productions

Posted by David Hamilton on Nov 20, 2012 1:44:00 PM

risk assessments for film productions

Most workplace injuries and diseases can be prevented by identifying and dealing with potential workplace hazards and unsafe work practices.

Q. When do you need to conduct a risk assessment?

A.  For each potentially hazardous activity or situation involved in your production. Ie.

  • Stunts
  • Special Effects
  • Water work
  • Helicopters, Fixed-wing aircraft, and gliders
  • Exotic or domestic animals and reptiles
  • Potentially hazardous location

Conducting Risk Assessments – 3 basic steps

  1. Identify potential hazards and unsafe work practices
  2. Assess the risks associated with the potential hazards or unsafe work practices
  3. Deal with the potential hazards or unsafe work practices

Remember: Write your risk assessments on paper, that way they can be attached to call sheets and used as a reference in case they are needed at a later date.

A 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: Short Film Insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production, Film Insurance claims, Film Producers, Film Production Companies, Cast Insurance

Film Production Companies and Lighting Safety

Posted by David Hamilton on Nov 19, 2012 11:05:00 AM

Setup Film Set Lighting Safely

Film set lights

  • Use appropriate fall protection equipment when setting up lighting
  • Ensure that all lighting fixtures are supported so that they will not fall, i.e. Use safety wire or chain to suspend fixtures
  • Ensure that all lighting stands are property weighted with sandbags
  • Cover arc-type lamps such as HMIs in wet weather to prevent rain from entering the unit and ballast
  • When using open-faced lighting units, provide protection from shrapnel in case the bulb explodes
  • Ensure that scaffolds or other metal grids that are used to support the lighting are grounded
  • Before using any grounded equipment, test for continuity between the ground pin on the plug and the metal parts of the lighting equipment
  • Before relamping or repairing a light, turn it off and disconnect it from the power source

A 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 equipment insurance, Short Film Insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Insurance claims, Canada Film Broker, Film Production Equipment

Call Sheets Help Reduce Film Production Insurance Costs

Posted by David Hamilton on Nov 14, 2012 5:44:00 PM

DAILY CALL SHEETS

Daily call sheet

Daily Call Sheets are a useful way to alert cast and crew to potential hazards for that day’s shooting schedule, and to inform them about which safety precautions they might need to take.  Film Insurance underwriters appreciate the risk management component of a call sheet and take this protocol into consideration when assessing the film insurance risk of a film production.

The following should be included on Call Sheets:

  • Scheduled stunts
  • Any special effects that will be used
  • Scheduled use of firearms
  • Potential hazards specific to the location
  • Any required personal protective clothing and equipment and how workers can get it
  • The name, contact number, and location of the first aid attendant
  • The location of the first aid kit or facility
  • The location of the nearest hospital or emergency facility
  • Any other health and safety concerns that the cast and crew need to be aware of

Safety guidelines should be attached to call sheets, i.e., If any special effects are to be used on the set, then a safety guideline should be attached specific to the type of special effects that will used. For example, if you are shooting near a thoroughfare with lots of traffic, it may be useful to add notes about this on the call sheet. What are the weather conditions like? Will the crew require special footwear or clothing for extreme temperature? What about sunscreen or hydration requirements?

Along this line of thought, it is important to include information such as the nearest hospital, along with any other emergency numbers that are specific to your location.

Have you thought about:

Putting up safety posters in common areas around the set location as a reminder to pay attention to certain hazards around the workplace and certain locations, e.g., Aerial filming.

A 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: Short Film Insurance, Film Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production Insurance Premiums, Film Insurance claims, Canadian Insurance Broker, Film Production Equipment, Commercial Production Insurance, Documentary Insurance, Special Effects Insurance, DICE Insurance, Film Production Companies