COMMERCIAL GENERAL LIABILITY EXPLAINED

Posted by Mike Groner on Jul 21, 2016 9:39:57 AM

Commercial General Liability - camera

Commercial General Liability (CGL)

CGL policies protect the production company against claims for bodily injury or property damage liability arising out of filming the picture. This coverage will be required prior to filming on any city or provincial roadways, or any locations sites requiring filming permits.

Coverage can be amended to include an international indemnification clause which can provide coverage if shooting overseas.

Coverage may also include auto liability for non-owned vehicles (both on and off camera). Non-owned auto liability* only applies as primary insurance in jurisdictions where the auto insurance industry is privatized (such as Ontario, Alberta, and the United States), otherwise it applies as excess insurance and another liability policy must be in force (although this is often maintained by the vehicle owner/lessor). 

There is limited or no coverage for autos, aircraft, watercraft or snow machines  under the Commercial General Liability coverage.  Details on use of these should be advised so coverage can amended or separate policies purchased.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Short-Term Production Insurance:Up to 14-days with no minimum premium. Coverage can include Commercial General Liability, Film Equipment Insurance, Props/Sets/Wardrobe coverage, Automobile Physical Damage and more.

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

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: Third Party Property Damage, Commercial general liablity

THIRD PARTY PROPERTY DAMAGE LIABILITY EXPLAINED

Posted by Mike Groner on Jul 21, 2016 9:31:43 AM

Third party property filming
Third Party Property Damage

Third Party Property Damage coverage provides for the damage or destruction of property of others (including loss of use of the property) while the property is in the care, custody or control of the production company and is used or is to be used in an insured production. This is the most ideal coverage to insure a film location.

Third Party Property Damage may also be extended for damage to buildings and contents rented as living quarters for cast & crew during production.

Coverage does not apply to: liability for destruction of property caused by operation of any motor vehicle, aircraft or watercraft, including damage to the foregoing; liability for damage to any property rented or leased which may be covered under props, sets or wardrobe, or miscellaneous equipment coverage (except, that loss of use of any such equipment is covered), will fall under those respective coverages instead.

This type of exposure is not covered under a Comprehensive Liability policy. Property Damage coverage written as part of the Commercial General Liability Policy excludes damage to any property in the production company’s care, custody or control.

THIRD PARTY PROPERTY DAMAGE & EXTRA EXPENSE INSURANCE

Extra Expense reimburses the production company for any extra expense necessary to complete principal photography of the insured production due to loss of, damage to or destruction of property  or facilities (props, sets, wardrobe or equipment) used in connection with the production.

Coverage can also be extended on some policies for delays due to civil authority, mechanical breakdown of camera equipment, disruption of outside power and non-industry strike.

To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:

Film Production Package For a Single Production:Film Production Package for a single production: features, television series, documentaries, and more.

Blanket Annual Production Package:    A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers Documentaries, Corporate Videos, Commercials, Educational Films, Music Videos, Shorts, and more.

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 Location Insurance, Extra Expense Coverage, Third Party Property Damage, Film Extra Expense