Workers’ Compensation Explained

Posted by Mike Groner on Jul 21, 2016 9:30:21 AM

Annual_Dice_Banner.jpgCrew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.

If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers’ compensation coverage for the crew and general liability coverage for the production in general.

Workers comp. will provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces the film maker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing workers’ comp.

The benefit to the producer is that once the injured crew member accepts the workers’ comp benefits, they usually waive the right to sue the producer. This is good insurance for the producer.

Sometimes the insurance company or government workers’ comp agency will not provide coverage if the crew and cast are not being paid, as there is no way to determine loss of future earnings. For this reason, the producer should arrange to at least make nominal payments to cast and crew.

If you are a crew member that gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant.

Always ask the producer if you will be covered by workers’ comp even when volunteering on a short shoot in any capacity.

GUILD / UNION TRAVEL ACCIDENT

Provides Motion Picture/Television (IATSE/NABET/SAG/DGA) and other Guild or Union contract requirements for accidental death, dismemberment and/or disability insurance to all production company cast or crew members. Coverage is blanket and the limits of liability meet all signatory requirements. It covers various modes of transportation; including extra-hazardous work, underwater filming, etc. as recited in various Guild agreements.

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.

Tags: Film Workers Compensation, Cast and Crew Insurance, Workers Compensation, Workers Comp insurance

Volunteers and Interns on Set: Worth the Risk for Your Film Insurance?

Posted by David Hamilton on Jun 30, 2014 4:21:00 PM

Insurance for Volunteers Worksafe BC will not provide WC coverage to unpaid interns or volunteers: there are no wages to base loss of future earnings on. WC provides medical costs, rehab costs, loss of future earnings and most importantly, once the injured employee accepts the WC benefits, they waive the right to sue their employer.

We suggest that you have the intern sign a waiver acknowledging the inherent dangers of a film set. A sample waiver can be obtained from your lawyer or we would be happy to send you one as well.

We can provide you with an accidental death and dismemberment (AD&D) policy for $75 per volunteer that will pay a cash settlement for a specific list of injuries ($50,000 for loss of eye, $100,000 for loss of leg, ect); although, this in no way replaces WC. The injured intern could still sue the employer. For this reason I would recommend against hiring a volunteer. Your film insurance does not provide work comp benefits for interns and volunteers.

Let us know if you would like us to send you an AD&D application. We need to know the name, nationality and dates of work for each of the volunteer employees.

Contact us now if you have any questions. 

Tags: Workers Comp insurance

Focus on Safety to Reduce Film Production Workers Compensation Claims

Posted by David Hamilton on Nov 13, 2012 2:06:00 PM

Film production companies have an obligation towards their cast and crew members, and must ensure their health and safety.

Production Companies should:

  • Develop and implement health & safety programs
  • Provide first aid equipment and emergency procedures for workers
  • Provide personal protective clothing and equipment for workers where required by the Regulation
  • Hire qualified, Competent Workers with the proper tickets and qualifications
  • Report all incidents involving medical treatments or lost time from injury or disease to the WCB.
  • Investigate all incidents, involving near misses
  • Ensure that cast and crew follow all WCB, municipal, provincial and federal requirements

 

Cast and Crew must W.A.I.F.

 

  • Wear personal protective clothing and equipment when required
  • Alert the supervisor or production company to potential hazards
  • Immediately report work they consider unsafe to their supervisor
  • Follow safe work procedures

 

Production Companies should form a joint health and safety committee that is responsible for identifying potential hazards or unsafe work practices and providing suggestions to improve conditions. The committee delegates should ensure that regular workplace inspections are carried out, and confirm that incidents are investigated. Above all, it’s important to consider and respond to heath and safety recommendations from the cast & crew.

Some examples of task allocations per position are:

Production Manager – Ensure that sets and locations are inspected for potential hazards and that potential hazards are eliminated or controlled.

Production Coordinator – Communicate the distribution of information to cast, crew members and various departments within the production company.

Director – Support assistant directors in their occupational health & safety responsibilities

Director of Photography – Make safety a priority when placing cameras and setting up lighting

Construction Coordinator – Ensure that the construction mill has a first aid facility stocked with appropriate supplies

Location Manager – Assess all locations for potential hazards (starting from the time of the initial scout)

SPFX/Stunt Coordinator – Hold safety talks immediately before any scheduled special effect or stunt

 

* The above information is based on WorkSafe – Focus on Safety – Safe Work Practices for Film and Television Production in B.C. (2001 edition)

Tags: Film Insurance, Film Production, Film Production Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production Companies, Film Insurance claims, Film Production Insurance Premiums, Film Producers, Workers Comp insurance

Film Production Crew: Always Ask if you are Covered by Workers Comp

Posted by David Hamilton on Jun 14, 2010 3:18:00 PM

Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.

If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers compensation coverage for the crew and general liability coverage for the production in general.

I will deal with workers compensation coverage for part one of this two part post.

Workers comp. will provides benifits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces the film maker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing work comp.

The benifit to the producer is that once the injured crew member accepts the work comp benifits, they usually waive the right to sue the producer. This is good insurance for the producer.

Sometimes that insurance company or government work comp agency will not provide coverage if the crew and cast are not being paid as there is no way to determine loss of future earnings. For this reason the producer should arrange to make nominal payments to cast and crew.

If you are a crew member that gets hurt on the job and there are no work comp benifits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasent.

Always ask the producer if you will be covered by workers comp even when volunteering on a short shoot in any capacity.

Tags: Commercial Production Insurance, Documentary Insurance, Film Production, Film Production Insurance, Film insurance broker, Commercials, Entertainment Insurance Broker, Film Production Companies, Film Producers, Workers Comp insurance

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