{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/us-filmmakers-navigating-your-certificate-of-insurance","afterPostBody":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"32923977591","analyticsPageType":"blog-post","approvalStatus":null,"archived":false,"archivedAt":0,"archivedInDashboard":false,"areCommentsAllowed":true,"attachedStylesheets":[],"audienceAccess":"PUBLIC","author":null,"authorName":null,"authorUsername":null,"blogAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1589487835361,"deletedAt":0,"displayName":"Alyson Locacciato","email":"alyson@frontrowinsurance.com","facebook":"","fullName":"Alyson Locacciato","gravatarUrl":"https://app.hubspot.com/settings/avatar/9b4bb24cb8b58448213ffeab12e1d73a","hasSocialProfiles":false,"id":29400648003,"label":"Alyson Locacciato","language":null,"linkedin":"","name":"Alyson Locacciato","portalId":61352,"slug":"alyson-locacciato","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1620677621567,"userId":null,"username":null,"website":""},"blogAuthorId":29400648003,"blogPostAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1589487835361,"deletedAt":0,"displayName":"Alyson Locacciato","email":"alyson@frontrowinsurance.com","facebook":"","fullName":"Alyson Locacciato","gravatarUrl":"https://app.hubspot.com/settings/avatar/9b4bb24cb8b58448213ffeab12e1d73a","hasSocialProfiles":false,"id":29400648003,"label":"Alyson Locacciato","language":null,"linkedin":"","name":"Alyson Locacciato","portalId":61352,"slug":"alyson-locacciato","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1620677621567,"userId":null,"username":null,"website":""},"blogPostScheduleTaskUid":null,"blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"blogPublishInstantEmailTaskUid":"DONE","blogPublishToSocialMediaTask":"DONE","blueprintTypeId":0,"businessUnitId":null,"campaign":null,"campaignName":null,"campaignUtm":null,"category":3,"categoryId":3,"cdnPurgeEmbargoTime":null,"clonedFrom":null,"composeBody":null,"compositionId":0,"contentAccessRuleIds":[],"contentAccessRuleTypes":[],"contentGroup":952267656,"contentGroupId":952267656,"contentTypeCategory":3,"contentTypeCategoryId":3,"contentTypeId":null,"created":1595872041913,"createdById":7915797,"createdTime":1595872041913,"crmObjectId":null,"css":{},"cssText":"","ctaClicks":null,"ctaViews":null,"currentState":"PUBLISHED","currentlyPublished":true,"deletedAt":0,"deletedBy":null,"domain":"","dynamicPageDataSourceId":null,"dynamicPageDataSourceType":null,"dynamicPageHubDbTableId":null,"enableDomainStylesheets":null,"enableGoogleAmpOutputOverride":false,"enableLayoutStylesheets":null,"errors":[],"featuredImage":"","featuredImageAltText":"","featuredImageHeight":0,"featuredImageLength":0,"featuredImageWidth":0,"flexAreas":{},"folderId":null,"footerHtml":null,"freezeDate":1596550371000,"generateJsonLdEnabledOverride":true,"hasContentAccessRules":false,"hasUserChanges":true,"headHtml":null,"header":null,"htmlTitle":"US Filmmakers: Navigating Your Certificate of Insurance","id":32923977591,"includeDefaultCustomCss":null,"isCaptchaRequired":true,"isDraft":false,"isInstantEmailEnabled":true,"isPublished":true,"isSocialPublishingEnabled":false,"keywords":[],"label":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >US Filmmakers: Navigating Your Certificate of Insurance</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":null,"legacyId":null,"legacyPostGuid":null,"linkRelCanonicalUrl":null,"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","mab":false,"mabExperimentId":null,"mabMaster":false,"mabVariant":false,"meta":{"attached_stylesheets":[],"post_summary":"<p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n","has_user_changes":true,"last_edit_session_id":null,"last_edit_update_id":null,"html_title":"US Filmmakers: Navigating Your Certificate of Insurance","tag_ids":[949708709,949708904,949709884,956556695,33246933709],"topic_ids":[949708709,949708904,949709884,956556695,33246933709],"layout_sections":{},"campaign_name":null,"campaign_utm":null,"enable_google_amp_output_override":false,"featured_image":"","featured_image_alt_text":"","head_html":null,"link_rel_canonical_url":null,"meta_description":"Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.","post_body":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n<!--more-->\n<p class=\"p1\">Congratulations, you successfully purchased your <a href=\"/film-production-insurance\" rel=\" noopener\"><span class=\"s1\">production insurance</span></a>! Your broker has sent you a confirmation that your coverage is bound, a summary, invoice, and certificate of insurance. You review all of your paperwork and estimates from the rental house and permit office, but how do you know what coverage is what, or if you even purchased the correct coverage?</p>\n<h2>Things that may go missed on a certificate that can ‘make or break’ you on the day of production:</h2>\n<ol class=\"ol1\">\n<li class=\"li1\">Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.</li>\n<li class=\"li1\">If you are working (especially) on a <span class=\"s1\">Short-Term Production</span> (US), double-check the effective dates. Make sure you include any additional pickup/drop-off dates that may be needed for props or rentals.</li>\n<li class=\"li1\">Did a permit office request any special wording? This is the time to make sure you have the exact wording on your certificate as the insurance requirements noted.</li>\n</ol>\n<p class=\"p1\">Below is a sample certificate. We will review each section so you can properly understand what you are looking at.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">Ok, so from the top!</p>\n<p class=\"p2\">The highlighted section on the left is where <strong>your company</strong> information is located.</p>\n<p class=\"p2\">The highlighted section on the right is <strong>your insurance company</strong>. You will notice it shows insurer “A” and insurer “B”. This will correspond to the boxes on the far left side to show which company is which.</p>\n<p class=\"p2\">The non-highlighted section below is your insurance <strong>broker’s</strong> information.</p>\n<p><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">This next part is VERY important, especially when it comes to <span class=\"s1\">Film LA</span>. See the box that says <strong>“ADDL INSR”</strong>? That stands for <i>Additional Insured</i>, and the “Y” stands for yes. Next to that column, there is wording “<strong>SUBR WVD</strong>” this stands for <i>Waiver of Subrogation</i>.</p>\n<p class=\"p1\">This is a waiver that you must request in advance and most likely will cost additional premium. Without a “Y” under “<strong>ADDL INSR</strong>” and “<strong>SUBR WVD</strong>”- your insurance coverage will <strong>not</strong> be sufficient for Film LA.</p>\n<p class=\"p1\">The next part of the “grid” will delegate the policy number and the start and end dates of coverage. If you need additional days for a short shoot, <i>reach out to your broker immediately</i>. If you request additional coverage dates <strong>after</strong> the expiration of coverage, you will be responsible for purchasing a new policy.</p>\n<p class=\"p1\">The bottom right highlighted section is what your rental/prop house will review. Keep in mind, this amount is <strong>not</strong> the value to rent the equipment. The amount is to <i>replace</i> the item in the case of a total loss.</p>\n<p class=\"p1\">The section <strong>‘ded’ </strong>that is highlighted stands for your<strong> retention</strong> or <strong>deductible</strong>. The deductible or retention is the amount you will have to pay the insurance company in a case of a loss that exceeds the deductible.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a camera that has a replacement value of $50,000. The camera gets lost in transit. This means that for the insurance company to replace the camera, you will have to pay the deductible amount.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a grip accessory and the replacement value is $150. The grip accessory is damaged during the shoot. Since the accessories replacement value is <strong>less</strong> than the deductible, the insurance company will <strong>not</strong> cover the loss.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><span class=\"s1\">Note</span>: Remember insurer <strong>“A”</strong> and insurer <strong>“B”?</strong> You can now see them on the far right column.</p>\n<p class=\"p1\">This row on your certificate is where any special wording would be located. If you need a <span class=\"s1\">rental house</span> to be named additional insured, this is where the wording would be located.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>Note</strong>: Whenever there is a need for special wording on your certificate, please notify your broker. This is something only your broker can process.</p>\n<p class=\"p1\">Last section! So, the <strong>certificate holder </strong>will be the entity that requested to be named additional insured, loss payee, or certificate holder. If a rental house has requested to be named additional insured, this is where you would find their name and address.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>&nbsp;</strong></p>\n<p class=\"p1\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://www.frontrowinsurance.com/\" style=\"font-style: italic;\"><span class=\"s1\">Front Row Insurance Brokers Inc.</span></a><span style=\"font-style: italic;\"> is an independent insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with insurers and clients to expedite the payment of claims.</span></p>\n<h3>Related:</h3>\n<p class=\"p1\"><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span class=\"s2\">Canadian Filmmakers: Certificate of Insurance</span></a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-obtain-los-angeles-film-permits\" rel=\" noopener\"><span class=\"s2\">Getting a film permit in Los Angeles / Film LA</span></a></p>\n<span style=\"font-size: 13px;\"><strong><i>DISCLAIMER</i></strong><i>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</i></span></span>","publish_immediately":true,"use_featured_image":false,"published_by_id":7915797,"published_at":1660934900788,"rss_body":"<p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n<!--more-->\n<p class=\"p1\">Congratulations, you successfully purchased your <a href=\"/film-production-insurance\" rel=\" noopener\"><span class=\"s1\">production insurance</span></a>! Your broker has sent you a confirmation that your coverage is bound, a summary, invoice, and certificate of insurance. You review all of your paperwork and estimates from the rental house and permit office, but how do you know what coverage is what, or if you even purchased the correct coverage?</p>\n<h2>Things that may go missed on a certificate that can ‘make or break’ you on the day of production:</h2>\n<ol class=\"ol1\">\n<li class=\"li1\">Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.</li>\n<li class=\"li1\">If you are working (especially) on a <span class=\"s1\">Short-Term Production</span> (US), double-check the effective dates. Make sure you include any additional pickup/drop-off dates that may be needed for props or rentals.</li>\n<li class=\"li1\">Did a permit office request any special wording? This is the time to make sure you have the exact wording on your certificate as the insurance requirements noted.</li>\n</ol>\n<p class=\"p1\">Below is a sample certificate. We will review each section so you can properly understand what you are looking at.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">Ok, so from the top!</p>\n<p class=\"p2\">The highlighted section on the left is where <strong>your company</strong> information is located.</p>\n<p class=\"p2\">The highlighted section on the right is <strong>your insurance company</strong>. You will notice it shows insurer “A” and insurer “B”. This will correspond to the boxes on the far left side to show which company is which.</p>\n<p class=\"p2\">The non-highlighted section below is your insurance <strong>broker’s</strong> information.</p>\n<p><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">This next part is VERY important, especially when it comes to <span class=\"s1\">Film LA</span>. See the box that says <strong>“ADDL INSR”</strong>? That stands for <i>Additional Insured</i>, and the “Y” stands for yes. Next to that column, there is wording “<strong>SUBR WVD</strong>” this stands for <i>Waiver of Subrogation</i>.</p>\n<p class=\"p1\">This is a waiver that you must request in advance and most likely will cost additional premium. Without a “Y” under “<strong>ADDL INSR</strong>” and “<strong>SUBR WVD</strong>”- your insurance coverage will <strong>not</strong> be sufficient for Film LA.</p>\n<p class=\"p1\">The next part of the “grid” will delegate the policy number and the start and end dates of coverage. If you need additional days for a short shoot, <i>reach out to your broker immediately</i>. If you request additional coverage dates <strong>after</strong> the expiration of coverage, you will be responsible for purchasing a new policy.</p>\n<p class=\"p1\">The bottom right highlighted section is what your rental/prop house will review. Keep in mind, this amount is <strong>not</strong> the value to rent the equipment. The amount is to <i>replace</i> the item in the case of a total loss.</p>\n<p class=\"p1\">The section <strong>‘ded’ </strong>that is highlighted stands for your<strong> retention</strong> or <strong>deductible</strong>. The deductible or retention is the amount you will have to pay the insurance company in a case of a loss that exceeds the deductible.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a camera that has a replacement value of $50,000. The camera gets lost in transit. This means that for the insurance company to replace the camera, you will have to pay the deductible amount.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a grip accessory and the replacement value is $150. The grip accessory is damaged during the shoot. Since the accessories replacement value is <strong>less</strong> than the deductible, the insurance company will <strong>not</strong> cover the loss.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><span class=\"s1\">Note</span>: Remember insurer <strong>“A”</strong> and insurer <strong>“B”?</strong> You can now see them on the far right column.</p>\n<p class=\"p1\">This row on your certificate is where any special wording would be located. If you need a <span class=\"s1\">rental house</span> to be named additional insured, this is where the wording would be located.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>Note</strong>: Whenever there is a need for special wording on your certificate, please notify your broker. This is something only your broker can process.</p>\n<p class=\"p1\">Last section! So, the <strong>certificate holder </strong>will be the entity that requested to be named additional insured, loss payee, or certificate holder. If a rental house has requested to be named additional insured, this is where you would find their name and address.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>&nbsp;</strong></p>\n<p class=\"p1\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://www.frontrowinsurance.com/\" style=\"font-style: italic;\"><span class=\"s1\">Front Row Insurance Brokers Inc.</span></a><span style=\"font-style: italic;\"> is an independent insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with insurers and clients to expedite the payment of claims.</span></p>\n<h3>Related:</h3>\n<p class=\"p1\"><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span class=\"s2\">Canadian Filmmakers: Certificate of Insurance</span></a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-obtain-los-angeles-film-permits\" rel=\" noopener\"><span class=\"s2\">Getting a film permit in Los Angeles / Film LA</span></a></p>\n<span style=\"font-size: 13px;\"><strong><i>DISCLAIMER</i></strong><i>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</i></span>","rss_summary":"<p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n","blog_publish_instant_email_task_uid":"DONE","blog_publish_to_social_media_task":"DONE","scheduled_update_date":0,"featured_image_height":0,"featured_image_width":0,"blog_post_schedule_task_uid":null,"header":null},"metaDescription":"Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.","metaKeywords":null,"name":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >US Filmmakers: Navigating Your Certificate of Insurance</span>","nextPostFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/Best%20Filmmaking%20Schools/usc-shutterstock_467240276-forweb300.jpg","nextPostFeaturedImageAltText":"Top Filmmaking Schools in the USA / Best Filmmaking Schools in the US","nextPostName":"Top Filmmaking Schools in the USA / Best Film Schools in the US","nextPostSlug":"articles/top-filmmaking-schools-in-the-usa","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"US Filmmakers: Navigating Your Certificate of Insurance","parentBlog":{"absoluteUrl":"https://www.frontrowinsurance.com/articles","allowComments":true,"ampBodyColor":"#404040","ampBodyFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampBodyFontSize":"18","ampCustomCss":"","ampHeaderBackgroundColor":"#ffffff","ampHeaderColor":"#1e1e1e","ampHeaderFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampHeaderFontSize":"36","ampLinkColor":"#416bb3","ampLogoAlt":"Front Row Insurance logo","ampLogoHeight":63,"ampLogoSrc":"https://cdn2.hubspot.net/hubfs/61352/front-row-logo.png","ampLogoWidth":175,"analyticsPageId":137640,"attachedStylesheets":[],"audienceAccess":"PUBLIC","businessUnitId":null,"captchaAfterDays":7,"captchaAlways":false,"categoryId":3,"cdnPurgeEmbargoTime":null,"closeCommentsOlder":0,"commentDateFormat":"medium","commentFormGuid":"7a447743-bbf2-4b55-a759-b405bf392a7d","commentMaxThreadDepth":3,"commentModeration":true,"commentNotificationEmails":["mike@frontrowinsurance.com","grant@frontrowinsurance.com"],"commentShouldCreateContact":true,"commentVerificationText":"","cosObjectType":"BLOG","created":1401900293000,"createdDateTime":1401900293000,"dailyNotificationEmailId":"952268096","dateFormattingLanguage":"en_US","defaultGroupStyleId":"","defaultNotificationFromName":"","defaultNotificationReplyTo":"","deletedAt":0,"description":"The Front Row Insurance Blog where you can learn and converse about all things entertainment insurance related.","domain":"","domainWhenPublished":"www.frontrowinsurance.com","emailApiSubscriptionId":283237,"enableGoogleAmpOutput":true,"enableSocialAutoPublishing":false,"generateJsonLdEnabled":false,"header":null,"htmlFooter":"<!-- DELTA-->","htmlFooterIsShared":false,"htmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/us-filmmakers-navigating-your-certificate-of-insurance\"\n },\n \"headline\": \"US Filmmakers: Navigating Your Certificate of Insurance\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"\"\n },\n \"datePublished\": \"2020-08-04 14:12:51\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","htmlHeadIsShared":true,"htmlKeywords":["Front Row Insurance Blog"," entertainment blog"," film blog"," film insurance"," event insurance"," film festival blog"," production blog"," musicians blog"," "],"htmlTitle":"The Front Row View (entertainment insurance blog)","id":952267656,"instantNotificationEmailId":"952268061","itemLayoutId":null,"itemTemplateIsShared":false,"itemTemplatePath":"prox_frontrow/templates/blog/blog-post.html","label":"The Front Row View (entertainment insurance blog)","language":"en","legacyGuid":"469ce2ec-4dd9-442d-984a-3bab2557a02f","legacyModuleId":"164112","legacyTabId":137640,"listingLayoutId":null,"listingPageId":70026589976,"listingTemplatePath":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","monthFilterFormat":"MMMM yyyy","monthlyNotificationEmailId":"952267981","name":"The Front Row View (entertainment insurance blog)","parentBlogUpdateTaskId":null,"portalId":61352,"postHtmlFooter":"<!-- OMEGA-->","postHtmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/us-filmmakers-navigating-your-certificate-of-insurance\"\n },\n \"headline\": \"US Filmmakers: Navigating Your Certificate of Insurance\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"\"\n },\n \"datePublished\": \"2020-08-04 14:12:51\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"Make sure the production company’s name and address are correct. 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This is the time to triple check any spelling errors.\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","postsPerListingPage":10,"postsPerRssFeed":10,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publicTitle":"The Front Row View (entertainment insurance blog)","publishDateFormat":"medium","resolvedDomain":"www.frontrowinsurance.com","rootUrl":"https://www.frontrowinsurance.com/articles","rssCustomFeed":"","rssDescription":"RSS feeds for ","rssItemFooter":"<IMG style=\"WIDTH: 144px; HEIGHT: 78px\" title=\"\" border=0 alt=\"\" align=center src=\"http://focusinsurance.web6.hubspot.com/Portals/61352/images//logo_final.jpg\" width=138 height=78 mce_src=\"/Portals/61352/images//logo_final.jpg\">","rssItemHeader":"","settingsOverrides":{"itemLayoutId":false,"itemTemplatePath":false,"itemTemplateIsShared":false,"listingLayoutId":false,"listingTemplatePath":false,"postsPerListingPage":false,"showSummaryInListing":false,"useFeaturedImageInSummary":false,"htmlHead":false,"postHtmlHead":false,"htmlHeadIsShared":false,"htmlFooter":false,"listingPageHtmlFooter":false,"postHtmlFooter":false,"htmlFooterIsShared":false,"attachedStylesheets":false,"postsPerRssFeed":false,"showSummaryInRss":false,"showSummaryInEmails":false,"showSummariesInEmails":false,"allowComments":false,"commentShouldCreateContact":false,"commentModeration":false,"closeCommentsOlder":false,"commentNotificationEmails":false,"commentMaxThreadDepth":false,"commentVerificationText":false,"socialAccountTwitter":false,"showSocialLinkTwitter":false,"showSocialLinkLinkedin":false,"showSocialLinkFacebook":false,"enableGoogleAmpOutput":false,"ampLogoSrc":false,"ampLogoHeight":false,"ampLogoWidth":false,"ampLogoAlt":false,"ampHeaderFont":false,"ampHeaderFontSize":false,"ampHeaderColor":false,"ampHeaderBackgroundColor":false,"ampBodyFont":false,"ampBodyFontSize":false,"ampBodyColor":false,"ampLinkColor":false,"generateJsonLdEnabled":false},"showSocialLinkFacebook":true,"showSocialLinkLinkedin":true,"showSocialLinkTwitter":true,"showSummaryInEmails":true,"showSummaryInListing":false,"showSummaryInRss":true,"siteId":0,"slug":"articles","socialAccountTwitter":"","state":null,"subscriptionContactsProperty":"blog_blog_the_front_row_view_subscription","subscriptionEmailType":null,"subscriptionFormGuid":"a2c254df-2214-4c54-bd51-46da1e3029fb","subscriptionListsByType":{"daily":12,"instant":11,"monthly":10,"weekly":13},"title":null,"translatedFromId":null,"translations":{"fr":{"absoluteUrl":"https://www.frontrowinsurance.com/fr/blogue","id":2471031463,"language":"fr","masterId":952267656,"name":"The Front Row View (entertainment insurance blog)","publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"slug":"fr/blogue"}},"updated":1650089754719,"updatedDateTime":1650089754719,"urlBase":"www.frontrowinsurance.com/articles","urlSegments":{},"useFeaturedImageInSummary":true,"usesDefaultTemplate":false,"weeklyNotificationEmailId":"952268106"},"password":null,"pastMabExperimentIds":[],"performableGuid":null,"performableVariationLetter":null,"personas":[],"placementGuids":[],"portableKey":null,"portalId":61352,"position":null,"postBody":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n<!--more-->\n<p class=\"p1\">Congratulations, you successfully purchased your <a href=\"/film-production-insurance\" rel=\" noopener\"><span class=\"s1\">production insurance</span></a>! Your broker has sent you a confirmation that your coverage is bound, a summary, invoice, and certificate of insurance. You review all of your paperwork and estimates from the rental house and permit office, but how do you know what coverage is what, or if you even purchased the correct coverage?</p>\n<h2>Things that may go missed on a certificate that can ‘make or break’ you on the day of production:</h2>\n<ol class=\"ol1\">\n<li class=\"li1\">Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.</li>\n<li class=\"li1\">If you are working (especially) on a <span class=\"s1\">Short-Term Production</span> (US), double-check the effective dates. Make sure you include any additional pickup/drop-off dates that may be needed for props or rentals.</li>\n<li class=\"li1\">Did a permit office request any special wording? This is the time to make sure you have the exact wording on your certificate as the insurance requirements noted.</li>\n</ol>\n<p class=\"p1\">Below is a sample certificate. We will review each section so you can properly understand what you are looking at.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">Ok, so from the top!</p>\n<p class=\"p2\">The highlighted section on the left is where <strong>your company</strong> information is located.</p>\n<p class=\"p2\">The highlighted section on the right is <strong>your insurance company</strong>. You will notice it shows insurer “A” and insurer “B”. This will correspond to the boxes on the far left side to show which company is which.</p>\n<p class=\"p2\">The non-highlighted section below is your insurance <strong>broker’s</strong> information.</p>\n<p><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">This next part is VERY important, especially when it comes to <span class=\"s1\">Film LA</span>. See the box that says <strong>“ADDL INSR”</strong>? That stands for <i>Additional Insured</i>, and the “Y” stands for yes. Next to that column, there is wording “<strong>SUBR WVD</strong>” this stands for <i>Waiver of Subrogation</i>.</p>\n<p class=\"p1\">This is a waiver that you must request in advance and most likely will cost additional premium. Without a “Y” under “<strong>ADDL INSR</strong>” and “<strong>SUBR WVD</strong>”- your insurance coverage will <strong>not</strong> be sufficient for Film LA.</p>\n<p class=\"p1\">The next part of the “grid” will delegate the policy number and the start and end dates of coverage. If you need additional days for a short shoot, <i>reach out to your broker immediately</i>. If you request additional coverage dates <strong>after</strong> the expiration of coverage, you will be responsible for purchasing a new policy.</p>\n<p class=\"p1\">The bottom right highlighted section is what your rental/prop house will review. Keep in mind, this amount is <strong>not</strong> the value to rent the equipment. The amount is to <i>replace</i> the item in the case of a total loss.</p>\n<p class=\"p1\">The section <strong>‘ded’ </strong>that is highlighted stands for your<strong> retention</strong> or <strong>deductible</strong>. The deductible or retention is the amount you will have to pay the insurance company in a case of a loss that exceeds the deductible.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a camera that has a replacement value of $50,000. The camera gets lost in transit. This means that for the insurance company to replace the camera, you will have to pay the deductible amount.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a grip accessory and the replacement value is $150. The grip accessory is damaged during the shoot. Since the accessories replacement value is <strong>less</strong> than the deductible, the insurance company will <strong>not</strong> cover the loss.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><span class=\"s1\">Note</span>: Remember insurer <strong>“A”</strong> and insurer <strong>“B”?</strong> You can now see them on the far right column.</p>\n<p class=\"p1\">This row on your certificate is where any special wording would be located. If you need a <span class=\"s1\">rental house</span> to be named additional insured, this is where the wording would be located.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>Note</strong>: Whenever there is a need for special wording on your certificate, please notify your broker. This is something only your broker can process.</p>\n<p class=\"p1\">Last section! So, the <strong>certificate holder </strong>will be the entity that requested to be named additional insured, loss payee, or certificate holder. If a rental house has requested to be named additional insured, this is where you would find their name and address.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>&nbsp;</strong></p>\n<p class=\"p1\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://www.frontrowinsurance.com/\" style=\"font-style: italic;\"><span class=\"s1\">Front Row Insurance Brokers Inc.</span></a><span style=\"font-style: italic;\"> is an independent insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with insurers and clients to expedite the payment of claims.</span></p>\n<h3>Related:</h3>\n<p class=\"p1\"><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span class=\"s2\">Canadian Filmmakers: Certificate of Insurance</span></a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-obtain-los-angeles-film-permits\" rel=\" noopener\"><span class=\"s2\">Getting a film permit in Los Angeles / Film LA</span></a></p>\n<span style=\"font-size: 13px;\"><strong><i>DISCLAIMER</i></strong><i>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</i></span></span>","postBodyRss":"<p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n<!--more-->\n<p class=\"p1\">Congratulations, you successfully purchased your <a href=\"/film-production-insurance\" rel=\" noopener\"><span class=\"s1\">production insurance</span></a>! Your broker has sent you a confirmation that your coverage is bound, a summary, invoice, and certificate of insurance. You review all of your paperwork and estimates from the rental house and permit office, but how do you know what coverage is what, or if you even purchased the correct coverage?</p>\n<h2>Things that may go missed on a certificate that can ‘make or break’ you on the day of production:</h2>\n<ol class=\"ol1\">\n<li class=\"li1\">Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.</li>\n<li class=\"li1\">If you are working (especially) on a <span class=\"s1\">Short-Term Production</span> (US), double-check the effective dates. Make sure you include any additional pickup/drop-off dates that may be needed for props or rentals.</li>\n<li class=\"li1\">Did a permit office request any special wording? This is the time to make sure you have the exact wording on your certificate as the insurance requirements noted.</li>\n</ol>\n<p class=\"p1\">Below is a sample certificate. We will review each section so you can properly understand what you are looking at.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">Ok, so from the top!</p>\n<p class=\"p2\">The highlighted section on the left is where <strong>your company</strong> information is located.</p>\n<p class=\"p2\">The highlighted section on the right is <strong>your insurance company</strong>. You will notice it shows insurer “A” and insurer “B”. This will correspond to the boxes on the far left side to show which company is which.</p>\n<p class=\"p2\">The non-highlighted section below is your insurance <strong>broker’s</strong> information.</p>\n<p><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">This next part is VERY important, especially when it comes to <span class=\"s1\">Film LA</span>. See the box that says <strong>“ADDL INSR”</strong>? That stands for <i>Additional Insured</i>, and the “Y” stands for yes. Next to that column, there is wording “<strong>SUBR WVD</strong>” this stands for <i>Waiver of Subrogation</i>.</p>\n<p class=\"p1\">This is a waiver that you must request in advance and most likely will cost additional premium. Without a “Y” under “<strong>ADDL INSR</strong>” and “<strong>SUBR WVD</strong>”- your insurance coverage will <strong>not</strong> be sufficient for Film LA.</p>\n<p class=\"p1\">The next part of the “grid” will delegate the policy number and the start and end dates of coverage. If you need additional days for a short shoot, <i>reach out to your broker immediately</i>. If you request additional coverage dates <strong>after</strong> the expiration of coverage, you will be responsible for purchasing a new policy.</p>\n<p class=\"p1\">The bottom right highlighted section is what your rental/prop house will review. Keep in mind, this amount is <strong>not</strong> the value to rent the equipment. The amount is to <i>replace</i> the item in the case of a total loss.</p>\n<p class=\"p1\">The section <strong>‘ded’ </strong>that is highlighted stands for your<strong> retention</strong> or <strong>deductible</strong>. The deductible or retention is the amount you will have to pay the insurance company in a case of a loss that exceeds the deductible.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a camera that has a replacement value of $50,000. The camera gets lost in transit. This means that for the insurance company to replace the camera, you will have to pay the deductible amount.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a grip accessory and the replacement value is $150. The grip accessory is damaged during the shoot. Since the accessories replacement value is <strong>less</strong> than the deductible, the insurance company will <strong>not</strong> cover the loss.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><span class=\"s1\">Note</span>: Remember insurer <strong>“A”</strong> and insurer <strong>“B”?</strong> You can now see them on the far right column.</p>\n<p class=\"p1\">This row on your certificate is where any special wording would be located. If you need a <span class=\"s1\">rental house</span> to be named additional insured, this is where the wording would be located.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>Note</strong>: Whenever there is a need for special wording on your certificate, please notify your broker. This is something only your broker can process.</p>\n<p class=\"p1\">Last section! So, the <strong>certificate holder </strong>will be the entity that requested to be named additional insured, loss payee, or certificate holder. If a rental house has requested to be named additional insured, this is where you would find their name and address.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>&nbsp;</strong></p>\n<p class=\"p1\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://www.frontrowinsurance.com/\" style=\"font-style: italic;\"><span class=\"s1\">Front Row Insurance Brokers Inc.</span></a><span style=\"font-style: italic;\"> is an independent insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with insurers and clients to expedite the payment of claims.</span></p>\n<h3>Related:</h3>\n<p class=\"p1\"><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span class=\"s2\">Canadian Filmmakers: Certificate of Insurance</span></a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-obtain-los-angeles-film-permits\" rel=\" noopener\"><span class=\"s2\">Getting a film permit in Los Angeles / Film LA</span></a></p>\n<span style=\"font-size: 13px;\"><strong><i>DISCLAIMER</i></strong><i>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</i></span>","postEmailContent":"<p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n","postFeaturedImageIfEnabled":"","postListContent":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n<!--more-->\n<p class=\"p1\">Congratulations, you successfully purchased your <a href=\"/film-production-insurance\" rel=\" noopener\"><span class=\"s1\">production insurance</span></a>! Your broker has sent you a confirmation that your coverage is bound, a summary, invoice, and certificate of insurance. You review all of your paperwork and estimates from the rental house and permit office, but how do you know what coverage is what, or if you even purchased the correct coverage?</p>\n<h2>Things that may go missed on a certificate that can ‘make or break’ you on the day of production:</h2>\n<ol class=\"ol1\">\n<li class=\"li1\">Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.</li>\n<li class=\"li1\">If you are working (especially) on a <span class=\"s1\">Short-Term Production</span> (US), double-check the effective dates. Make sure you include any additional pickup/drop-off dates that may be needed for props or rentals.</li>\n<li class=\"li1\">Did a permit office request any special wording? This is the time to make sure you have the exact wording on your certificate as the insurance requirements noted.</li>\n</ol>\n<p class=\"p1\">Below is a sample certificate. We will review each section so you can properly understand what you are looking at.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">Ok, so from the top!</p>\n<p class=\"p2\">The highlighted section on the left is where <strong>your company</strong> information is located.</p>\n<p class=\"p2\">The highlighted section on the right is <strong>your insurance company</strong>. You will notice it shows insurer “A” and insurer “B”. This will correspond to the boxes on the far left side to show which company is which.</p>\n<p class=\"p2\">The non-highlighted section below is your insurance <strong>broker’s</strong> information.</p>\n<p><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">This next part is VERY important, especially when it comes to <span class=\"s1\">Film LA</span>. See the box that says <strong>“ADDL INSR”</strong>? That stands for <i>Additional Insured</i>, and the “Y” stands for yes. Next to that column, there is wording “<strong>SUBR WVD</strong>” this stands for <i>Waiver of Subrogation</i>.</p>\n<p class=\"p1\">This is a waiver that you must request in advance and most likely will cost additional premium. Without a “Y” under “<strong>ADDL INSR</strong>” and “<strong>SUBR WVD</strong>”- your insurance coverage will <strong>not</strong> be sufficient for Film LA.</p>\n<p class=\"p1\">The next part of the “grid” will delegate the policy number and the start and end dates of coverage. If you need additional days for a short shoot, <i>reach out to your broker immediately</i>. If you request additional coverage dates <strong>after</strong> the expiration of coverage, you will be responsible for purchasing a new policy.</p>\n<p class=\"p1\">The bottom right highlighted section is what your rental/prop house will review. Keep in mind, this amount is <strong>not</strong> the value to rent the equipment. The amount is to <i>replace</i> the item in the case of a total loss.</p>\n<p class=\"p1\">The section <strong>‘ded’ </strong>that is highlighted stands for your<strong> retention</strong> or <strong>deductible</strong>. The deductible or retention is the amount you will have to pay the insurance company in a case of a loss that exceeds the deductible.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a camera that has a replacement value of $50,000. The camera gets lost in transit. This means that for the insurance company to replace the camera, you will have to pay the deductible amount.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a grip accessory and the replacement value is $150. The grip accessory is damaged during the shoot. Since the accessories replacement value is <strong>less</strong> than the deductible, the insurance company will <strong>not</strong> cover the loss.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><span class=\"s1\">Note</span>: Remember insurer <strong>“A”</strong> and insurer <strong>“B”?</strong> You can now see them on the far right column.</p>\n<p class=\"p1\">This row on your certificate is where any special wording would be located. If you need a <span class=\"s1\">rental house</span> to be named additional insured, this is where the wording would be located.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>Note</strong>: Whenever there is a need for special wording on your certificate, please notify your broker. This is something only your broker can process.</p>\n<p class=\"p1\">Last section! So, the <strong>certificate holder </strong>will be the entity that requested to be named additional insured, loss payee, or certificate holder. If a rental house has requested to be named additional insured, this is where you would find their name and address.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>&nbsp;</strong></p>\n<p class=\"p1\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://www.frontrowinsurance.com/\" style=\"font-style: italic;\"><span class=\"s1\">Front Row Insurance Brokers Inc.</span></a><span style=\"font-style: italic;\"> is an independent insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with insurers and clients to expedite the payment of claims.</span></p>\n<h3>Related:</h3>\n<p class=\"p1\"><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span class=\"s2\">Canadian Filmmakers: Certificate of Insurance</span></a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-obtain-los-angeles-film-permits\" rel=\" noopener\"><span class=\"s2\">Getting a film permit in Los Angeles / Film LA</span></a></p>\n<span style=\"font-size: 13px;\"><strong><i>DISCLAIMER</i></strong><i>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</i></span></span>","postListSummaryFeaturedImage":"","postRssContent":"<p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n","postRssSummaryFeaturedImage":"","postSummary":"<p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n","postSummaryRss":"<p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"bFxrvObr","previousPostFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/canada-cert-insurance-highlight-forweb300.png","previousPostFeaturedImageAltText":"Canadian Filmmakers: Navigating Your Certificate of Insurance","previousPostName":"Canadian Filmmakers: Navigating Your Certificate of Insurance","previousPostSlug":"articles/canadian-filmmakers-navigating-your-certificate-of-insurance","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publishDate":1596550371000,"publishDateLocalTime":1596550371000,"publishDateLocalized":{"date":1596550371000,"format":"medium","language":"en_US"},"publishImmediately":true,"publishTimezoneOffset":null,"publishedAt":1660934900788,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/us-filmmakers-navigating-your-certificate-of-insurance","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":null,"rssBody":"<p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n<!--more-->\n<p class=\"p1\">Congratulations, you successfully purchased your <a href=\"/film-production-insurance\" rel=\" noopener\"><span class=\"s1\">production insurance</span></a>! Your broker has sent you a confirmation that your coverage is bound, a summary, invoice, and certificate of insurance. You review all of your paperwork and estimates from the rental house and permit office, but how do you know what coverage is what, or if you even purchased the correct coverage?</p>\n<h2>Things that may go missed on a certificate that can ‘make or break’ you on the day of production:</h2>\n<ol class=\"ol1\">\n<li class=\"li1\">Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.</li>\n<li class=\"li1\">If you are working (especially) on a <span class=\"s1\">Short-Term Production</span> (US), double-check the effective dates. Make sure you include any additional pickup/drop-off dates that may be needed for props or rentals.</li>\n<li class=\"li1\">Did a permit office request any special wording? This is the time to make sure you have the exact wording on your certificate as the insurance requirements noted.</li>\n</ol>\n<p class=\"p1\">Below is a sample certificate. We will review each section so you can properly understand what you are looking at.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">Ok, so from the top!</p>\n<p class=\"p2\">The highlighted section on the left is where <strong>your company</strong> information is located.</p>\n<p class=\"p2\">The highlighted section on the right is <strong>your insurance company</strong>. You will notice it shows insurer “A” and insurer “B”. This will correspond to the boxes on the far left side to show which company is which.</p>\n<p class=\"p2\">The non-highlighted section below is your insurance <strong>broker’s</strong> information.</p>\n<p><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">This next part is VERY important, especially when it comes to <span class=\"s1\">Film LA</span>. See the box that says <strong>“ADDL INSR”</strong>? That stands for <i>Additional Insured</i>, and the “Y” stands for yes. Next to that column, there is wording “<strong>SUBR WVD</strong>” this stands for <i>Waiver of Subrogation</i>.</p>\n<p class=\"p1\">This is a waiver that you must request in advance and most likely will cost additional premium. Without a “Y” under “<strong>ADDL INSR</strong>” and “<strong>SUBR WVD</strong>”- your insurance coverage will <strong>not</strong> be sufficient for Film LA.</p>\n<p class=\"p1\">The next part of the “grid” will delegate the policy number and the start and end dates of coverage. If you need additional days for a short shoot, <i>reach out to your broker immediately</i>. If you request additional coverage dates <strong>after</strong> the expiration of coverage, you will be responsible for purchasing a new policy.</p>\n<p class=\"p1\">The bottom right highlighted section is what your rental/prop house will review. Keep in mind, this amount is <strong>not</strong> the value to rent the equipment. The amount is to <i>replace</i> the item in the case of a total loss.</p>\n<p class=\"p1\">The section <strong>‘ded’ </strong>that is highlighted stands for your<strong> retention</strong> or <strong>deductible</strong>. The deductible or retention is the amount you will have to pay the insurance company in a case of a loss that exceeds the deductible.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a camera that has a replacement value of $50,000. The camera gets lost in transit. This means that for the insurance company to replace the camera, you will have to pay the deductible amount.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a grip accessory and the replacement value is $150. The grip accessory is damaged during the shoot. Since the accessories replacement value is <strong>less</strong> than the deductible, the insurance company will <strong>not</strong> cover the loss.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><span class=\"s1\">Note</span>: Remember insurer <strong>“A”</strong> and insurer <strong>“B”?</strong> You can now see them on the far right column.</p>\n<p class=\"p1\">This row on your certificate is where any special wording would be located. If you need a <span class=\"s1\">rental house</span> to be named additional insured, this is where the wording would be located.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>Note</strong>: Whenever there is a need for special wording on your certificate, please notify your broker. This is something only your broker can process.</p>\n<p class=\"p1\">Last section! So, the <strong>certificate holder </strong>will be the entity that requested to be named additional insured, loss payee, or certificate holder. If a rental house has requested to be named additional insured, this is where you would find their name and address.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>&nbsp;</strong></p>\n<p class=\"p1\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://www.frontrowinsurance.com/\" style=\"font-style: italic;\"><span class=\"s1\">Front Row Insurance Brokers Inc.</span></a><span style=\"font-style: italic;\"> is an independent insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with insurers and clients to expedite the payment of claims.</span></p>\n<h3>Related:</h3>\n<p class=\"p1\"><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span class=\"s2\">Canadian Filmmakers: Certificate of Insurance</span></a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-obtain-los-angeles-film-permits\" rel=\" noopener\"><span class=\"s2\">Getting a film permit in Los Angeles / Film LA</span></a></p>\n<span style=\"font-size: 13px;\"><strong><i>DISCLAIMER</i></strong><i>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</i></span>","rssSummary":"<p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. 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Blog","smart_objects":null,"smart_type":"NOT_SMART","tag":"module","type":"module","wrap_field_tag":"div"},"child_css":{},"css":{},"id":"module_15965216980304","label":"Basic Rich Text Box for Blog","module_id":33156769794,"name":"module_15965216980304","order":7,"smart_type":null,"styles":{},"type":"module"},"name":{"body":{"title":"US Filmmakers: Navigating Your Certificate of Insurance"},"id":"name","label":"Title","name":"name","type":"text"},"post_body":{"body":{"html":"<h1>US Filmmakers: Navigating Your Certificate of Insurance</h1>\n<p class=\"p1\"><i>If you’re a Canada-based filmmaker, read </i><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span style=\"text-decoration: underline;\"><span class=\"s1\"><i>this blog post</i></span></span></a><i> instead. </i></p>\n<!--more--><p class=\"p1\">Congratulations, you successfully purchased your <a href=\"/film-production-insurance\" rel=\" noopener\"><span class=\"s1\">production insurance</span></a>! Your broker has sent you a confirmation that your coverage is bound, a summary, invoice, and certificate of insurance. You review all of your paperwork and estimates from the rental house and permit office, but how do you know what coverage is what, or if you even purchased the correct coverage?</p>\n<h2>things that may go missed on a certificate that can ‘make or break’ you on the day of production:</h2>\n<ol class=\"ol1\">\n<li class=\"li1\">Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.</li>\n<li class=\"li1\">If you are working (especially) on a <a href=\"/short-term-production-insurance-for-filmmakers-us\" rel=\" noopener\"><span class=\"s1\">Short-Term Production</span> (US)</a>, double-check the effective dates. Make sure you include any additional pickup/drop-off dates that may be needed for props or rentals.</li>\n<li class=\"li1\">Did a permit office request any special wording? This is the time to make sure you have the exact wording on your certificate as the insurance requirements noted.</li>\n</ol>\n<p class=\"p1\">Below is a sample certificate. We will review each section so you can properly understand what you are looking at.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">Ok, so from the top!</p>\n<p class=\"p2\">The highlighted section on the left is where <strong>your company</strong> information is located.</p>\n<p class=\"p2\">The highlighted section on the right is <strong>your insurance company</strong>. You will notice it shows insurer “A” and insurer “B”. This will correspond to the boxes on the far left side to show which company is which.</p>\n<p class=\"p2\">The non-highlighted section below is your insurance <strong>broker’s</strong> information.</p>\n<p><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\">This next part is VERY important, especially when it comes to <span class=\"s1\">Film LA</span>. See the box that says <strong>“ADDL INSR”</strong>? That stands for <i>Additional Insured</i>, and the “Y” stands for yes. Next to that column, there is wording “<strong>SUBR WVD</strong>” this stands for <i>Waiver of Subrogation</i>.</p>\n<p class=\"p1\">This is a waiver that you must request in advance and most likely will cost additional premium. Without a “Y” under “<strong>ADDL INSR</strong>” and “<strong>SUBR WVD</strong>”- your insurance coverage will <strong>not</strong> be sufficient for Film LA.</p>\n<p class=\"p1\">The next part of the “grid” will delegate the policy number and the start and end dates of coverage. If you need additional days for a short shoot, <i>reach out to your broker immediately</i>. If you request additional coverage dates <strong>after</strong> the expiration of coverage, you will be responsible for purchasing a new policy.</p>\n<p class=\"p1\">The bottom right highlighted section is what your rental/prop house will review. Keep in mind, this amount is <strong>not</strong> the value to rent the equipment. The amount is to <i>replace</i> the item in the case of a total loss.</p>\n<p class=\"p1\">The section <strong>‘ded’ </strong>that is highlighted stands for your<strong> retention</strong> or <strong>deductible</strong>. The deductible or retention is the amount you will have to pay the insurance company in a case of a loss that exceeds the deductible.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a camera that has a replacement value of $50,000. The camera gets lost in transit. This means that for the insurance company to replace the camera, you will have to pay the deductible amount.</p>\n<p class=\"p1\"><span class=\"s1\">Example:</span> You rent a grip accessory and the replacement value is $150. The grip accessory is damaged during the shoot. Since the accessories replacement value is <strong>less</strong> than the deductible, the insurance company will <strong>not</strong> cover the loss.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-insurance-highlight2.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><span class=\"s1\">Note</span>: Remember insurer <strong>“A”</strong> and insurer <strong>“B”?</strong> You can now see them on the far right column.</p>\n<p class=\"p1\">This row on your certificate is where any special wording would be located. If you need a <span class=\"s1\">rental house</span> to be named additional insured, this is where the wording would be located.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-desc-of-operations.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>Note</strong>: Whenever there is a need for special wording on your certificate, please notify your broker. This is something only your broker can process.</p>\n<p class=\"p1\">Last section! So, the <strong>certificate holder </strong>will be the entity that requested to be named additional insured, loss payee, or certificate holder. If a rental house has requested to be named additional insured, this is where you would find their name and address.</p>\n<p class=\"p1\"><a href=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" rel=\" noopener\"><img src=\"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/certificate%20of%20insurance/acord-cert-holder.png\" alt=\"US Certificate of Insurance\" width=\"600\" style=\"width: 600px; display: block; margin: 0px auto;\"></a></p>\n<p class=\"p1\"><strong>&nbsp;</strong></p>\n<p class=\"p1\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://www.frontrowinsurance.com/\" style=\"font-style: italic;\"><span class=\"s1\">Front Row Insurance Brokers Inc.</span></a><span style=\"font-style: italic;\"> is an independent insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with insurers and clients to expedite the payment of claims.</span></p>\n<h3>Related:</h3>\n<p class=\"p1\"><a href=\"/articles/canadian-filmmakers-navigating-your-certificate-of-insurance\" rel=\" noopener\"><span class=\"s2\">Canadian Filmmakers: Certificate of Insurance</span></a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-obtain-los-angeles-film-permits\" rel=\" noopener\"><span class=\"s2\">Getting a film permit in Los Angeles / Film LA</span></a></p>\n<span style=\"font-size: 13px;\"><strong><i>DISCLAIMER</i></strong><i>: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.</i></span>"},"deleted_at":1649436789945,"id":"post_body","label":"Blog Content","name":"post_body","type":"rich_text"}}}

US Filmmakers: Navigating Your Certificate of Insurance

If you’re a Canada-based filmmaker, read this blog post instead.

Congratulations, you successfully purchased your production insurance! Your broker has sent you a confirmation that your coverage is bound, a summary, invoice, and certificate of insurance. You review all of your paperwork and estimates from the rental house and permit office, but how do you know what coverage is what, or if you even purchased the correct coverage?

Things that may go missed on a certificate that can ‘make or break’ you on the day of production:

  1. Make sure the production company’s name and address are correct. Rushed through the application? This is the time to triple check any spelling errors.
  2. If you are working (especially) on a Short-Term Production (US), double-check the effective dates. Make sure you include any additional pickup/drop-off dates that may be needed for props or rentals.
  3. Did a permit office request any special wording? This is the time to make sure you have the exact wording on your certificate as the insurance requirements noted.

Below is a sample certificate. We will review each section so you can properly understand what you are looking at.

US Certificate of Insurance

Ok, so from the top!

The highlighted section on the left is where your company information is located.

The highlighted section on the right is your insurance company. You will notice it shows insurer “A” and insurer “B”. This will correspond to the boxes on the far left side to show which company is which.

The non-highlighted section below is your insurance broker’s information.

US Certificate of Insurance

This next part is VERY important, especially when it comes to Film LA. See the box that says “ADDL INSR”? That stands for Additional Insured, and the “Y” stands for yes. Next to that column, there is wording “SUBR WVD” this stands for Waiver of Subrogation.

This is a waiver that you must request in advance and most likely will cost additional premium. Without a “Y” under “ADDL INSR” and “SUBR WVD”- your insurance coverage will not be sufficient for Film LA.

The next part of the “grid” will delegate the policy number and the start and end dates of coverage. If you need additional days for a short shoot, reach out to your broker immediately. If you request additional coverage dates after the expiration of coverage, you will be responsible for purchasing a new policy.

The bottom right highlighted section is what your rental/prop house will review. Keep in mind, this amount is not the value to rent the equipment. The amount is to replace the item in the case of a total loss.

The section ‘ded’ that is highlighted stands for your retention or deductible. The deductible or retention is the amount you will have to pay the insurance company in a case of a loss that exceeds the deductible.

Example: You rent a camera that has a replacement value of $50,000. The camera gets lost in transit. This means that for the insurance company to replace the camera, you will have to pay the deductible amount.

Example: You rent a grip accessory and the replacement value is $150. The grip accessory is damaged during the shoot. Since the accessories replacement value is less than the deductible, the insurance company will not cover the loss.

US Certificate of Insurance

Note: Remember insurer “A” and insurer “B”? You can now see them on the far right column.

This row on your certificate is where any special wording would be located. If you need a rental house to be named additional insured, this is where the wording would be located.

US Certificate of Insurance

Note: Whenever there is a need for special wording on your certificate, please notify your broker. This is something only your broker can process.

Last section! So, the certificate holder will be the entity that requested to be named additional insured, loss payee, or certificate holder. If a rental house has requested to be named additional insured, this is where you would find their name and address.

US Certificate of Insurance

 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides film insurance for a very low cost. Should a claim occur, Front Row works diligently with insurers and clients to expedite the payment of claims.

Related:

Canadian Filmmakers: Certificate of Insurance

Getting a film permit in Los Angeles / Film LA

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

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