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: Film Insurance, E&O Insurance, Cast Insurance, helicopter film insurance, Storm damage film production insurance, Flood insurance for Film, student film production insruance, short term film video production insurance, 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

Workers’ Compensation Explained

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

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WORKERS’ COMPENSATION EXPLAINED

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.

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.

RELATED BLOG POSTS

FILM PRODUCTION CREW: ALWAYS ASK IF YOU ARE COVERED BY WORKERS COMP
 
FOCUS ON SAFETY TO REDUCE FILM PRODUCTION WORKERS COMPENSATION CLAIMS
 

Topics: Cast Insurance, Workers Compensation

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

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

VOLUNTEERS AND INTERNS ON SET

Insurance for Volunteers Worksafe BC will not provide work comp (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, etc); 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. 

Topics: Workers Compensation

Focus on Safety to Reduce Film Production Workers Compensation Claims

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

Workers comp on film sets

Film production health & safety / Workers Comp

Film production companies have an obligation toward 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 Workers' Compensation Board (WCB)
  • Investigate all incidents, involving near misses
  • Ensure that cast and crew follow all WCB, municipal, provincial and federal requirements

Cast & Crew should:

  • 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)

Related Blog PostS

WORKERS' COMP EXPLAINED

WORKERS COMPENSATION FOR FILM CREWS

Topics: Film Insurance, Entertainment Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production Insurance Premiums, Film Production, Film Insurance claims, Film Producers, Film Production Companies, Workers Compensation

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

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

workers compensation
Workers Compensation for Film Crews

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.

Workers comp. 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 filmmaker 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 benefit to the producer is that once the injured crew member accepts the work comp benefits, they usually waive the right to sue 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 who 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.

RELATED BLOG POSTS:

WORKERS' COMP EXPLAINED
 
FOCUS ON SAFETY TO REDUCE FILM PRODUCTION WORKERS COMPENSATION CLAIMS

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 Insurance, Film insurance broker, Entertainment Insurance Broker, Film Production, Film Producers, Commercial Production Insurance, Documentary Insurance, Film Production Companies, Commercials, Workers Compensation