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Generated by ClassySchema.org on Thu, 22 Jun 2023 20:43:05 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"https://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"What are considerations around singers performing music in a film?\",\n\t\"description\": \"Get a quote for producer's E&O insurance here: https://www.frontrowinsurance.com/en/sectors/e-o-insuranceEdwards Creative Law YouTube: https://www.youtube.co...\",\n\t\"thumbnailUrl\": \"https://i.ytimg.com/vi/BqKdwsUxmcs/mqdefault.jpg\",\n\t\"duration\": \"PT2M35S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=BqKdwsUxmcs\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/BqKdwsUxmcs\",\n\t\"uploadDate\": \"2023-05-29\",\n\t\"potentialAction\": {\n\t\t\"@type\": \"SeekToAction\",\n\t\t\"target\": \"https://youtu.be/BqKdwsUxmcs?t={seek_to_second_number}\",\n\t\t\"startOffset-input\": \"required name=seek_to_second_number\"\n\t}\n}\n</script>\n<!-- END - Generated by ClassySchema.org-->","header":null,"htmlTitle":"What are considerations around singers performing music in a film?","id":121934324541,"includeDefaultCustomCss":null,"isCaptchaRequired":true,"isCrawlableByBots":false,"isDraft":false,"isInstanceLayoutPage":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\" >What are considerations around singers performing music in a film?</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":{"use_featured_image":true,"post_body":"\n\n\n\n <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\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe id=\"578597065\" class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" xml=\"lang\" src=\"https://www.youtube.com/embed/BqKdwsUxmcs?rel=0&amp;enablejsapi=1&amp;origin=https%3A%2F%2F61352.hubspotpreview-na1.com\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\" data-gtm-yt-inspected-8907472_161=\"true\" data-gtm-yt-inspected-6=\"true\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>:&nbsp;When singers are singing a song in a film, the first point is that if you’re a producer and you have someone singing in a film and it’s actually them singing (not a recording) a song that exists, you need permission to use the composition in the film. If you are recording someone singing a song in a film, then you don’t need to get the rights to use the original recording because you’re making the recording yourself. So, you don’t have to get the master rights from some record label; you’ve created the recording yourself.</p>\n<p>If you’re the producer and you’ve asked your director to tell the singer to add an extra chorus or change a verse around based on the storyline, you’re changing the song. There are two things to consider: <span style=\"font-weight: bold;\">1) </span>you may need to get some rights from the writer; if the performer went off script, you need their consent and<span style=\"font-weight: bold;\"> 2) </span>you need the right to change the composition. Whoever controls the original composition, they need to give consent to you changing around the words or the process or the order of the song. Same goes for translation; if the original song is in English and you want it to be in French in your movie, you need consent for the translation. Even if you hire a translator or use Google Translate, you’re not allowed to do that without getting consent for this translation that you have done.</p>\n<p>If you’re using a song in a film that is being performed by someone in the film or TV show, you need to make sure that if there are any changes to that composition, you need to get permission from whoever the composition originated with AND you need consent to use the new intellectual property created by whoever made those changes. However, as I said, if you’re making your own recording of a song, you don’t need to buy the recording of the original song, so that could save some money, but adds some hoops to jump through in terms of getting the proper permission.</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US?</span> Get a quote for <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer's E&amp;O clearance procedures</a></li>\n<li><a href=\"/articles/what-role-do-credits-play\" rel=\"noopener\">What role do music credits play?</a></li>\n<li><a href=\"/articles/whats-a-music-exclusion\" rel=\"noopener\">What's a music exclusion?</a></li>\n<li><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\"noopener\">Blurring the lines of music infringement law</a></li>\n<li><strong>eBook</strong>: <a href=\"/errors-omissions-insurance-101\" rel=\"noopener\">Producer's E&amp;O Insurance 101</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Byron Pascoe's film producer's E&amp;O videos</a></li>\n</ul>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span><span style=\"font-style: italic;\"></span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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.</span></p></span>\n","post_summary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe id=\"578597065\" class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" xml=\"lang\" src=\"https://www.youtube.com/embed/BqKdwsUxmcs?rel=0&amp;enablejsapi=1&amp;origin=https%3A%2F%2F61352.hubspotpreview-na1.com\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\" data-gtm-yt-inspected-8907472_161=\"true\" data-gtm-yt-inspected-6=\"true\"></iframe></div>\n</div>\n","blog_post_schedule_task_uid":null,"blog_publish_to_social_media_task":"DONE","blog_publish_instant_email_task_uid":"DONE_NOT_SENT","blog_publish_instant_email_campaign_id":null,"blog_publish_instant_email_retry_count":null,"rss_body":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe id=\"578597065\" class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" xml=\"lang\" src=\"https://www.youtube.com/embed/BqKdwsUxmcs?rel=0&amp;enablejsapi=1&amp;origin=https%3A%2F%2F61352.hubspotpreview-na1.com\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\" data-gtm-yt-inspected-8907472_161=\"true\" data-gtm-yt-inspected-6=\"true\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>:&nbsp;When singers are singing a song in a film, the first point is that if you’re a producer and you have someone singing in a film and it’s actually them singing (not a recording) a song that exists, you need permission to use the composition in the film. If you are recording someone singing a song in a film, then you don’t need to get the rights to use the original recording because you’re making the recording yourself. So, you don’t have to get the master rights from some record label; you’ve created the recording yourself.</p>\n<p>If you’re the producer and you’ve asked your director to tell the singer to add an extra chorus or change a verse around based on the storyline, you’re changing the song. There are two things to consider: <span style=\"font-weight: bold;\">1) </span>you may need to get some rights from the writer; if the performer went off script, you need their consent and<span style=\"font-weight: bold;\"> 2) </span>you need the right to change the composition. Whoever controls the original composition, they need to give consent to you changing around the words or the process or the order of the song. Same goes for translation; if the original song is in English and you want it to be in French in your movie, you need consent for the translation. Even if you hire a translator or use Google Translate, you’re not allowed to do that without getting consent for this translation that you have done.</p>\n<p>If you’re using a song in a film that is being performed by someone in the film or TV show, you need to make sure that if there are any changes to that composition, you need to get permission from whoever the composition originated with AND you need consent to use the new intellectual property created by whoever made those changes. However, as I said, if you’re making your own recording of a song, you don’t need to buy the recording of the original song, so that could save some money, but adds some hoops to jump through in terms of getting the proper permission.</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US?</span> Get a quote for <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer's E&amp;O clearance procedures</a></li>\n<li><a href=\"/articles/what-role-do-credits-play\" rel=\"noopener\">What role do music credits play?</a></li>\n<li><a href=\"/articles/whats-a-music-exclusion\" rel=\"noopener\">What's a music exclusion?</a></li>\n<li><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\"noopener\">Blurring the lines of music infringement law</a></li>\n<li><strong>eBook</strong>: <a href=\"/errors-omissions-insurance-101\" rel=\"noopener\">Producer's E&amp;O Insurance 101</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Byron Pascoe's film producer's E&amp;O videos</a></li>\n</ul>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span><span style=\"font-style: italic;\"></span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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.</span></p>","rss_summary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe id=\"578597065\" class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" xml=\"lang\" src=\"https://www.youtube.com/embed/BqKdwsUxmcs?rel=0&amp;enablejsapi=1&amp;origin=https%3A%2F%2F61352.hubspotpreview-na1.com\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\" 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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\" >What are considerations around singers performing music in a film?</span>","nextPostFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/images/eando/copyright-shutterstock_1619490172-600x400.jpg","nextPostFeaturedImageAltText":"Copyright infringement in movie music","nextPostName":"How can a film composer or film producer avoid copyright infringement for music?","nextPostSlug":"articles/how-can-a-composer-avoid-infringement","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"What are considerations around singers performing music in a film?","parentBlog":{"absoluteUrl":"https://www.frontrowinsurance.com/articles","allowComments":true,"ampBodyColor":"#404040","ampBodyFont":"'Helvetica Neue', 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Front Row View (entertainment insurance blog)","publicAccessRules":[],"publicAccessRulesEnabled":false,"slug":"fr/blogue"}},"updated":1693318083281,"updatedDateTime":1693318083281,"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":"\n\n\n\n <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\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe id=\"578597065\" class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" xml=\"lang\" src=\"https://www.youtube.com/embed/BqKdwsUxmcs?rel=0&amp;enablejsapi=1&amp;origin=https%3A%2F%2F61352.hubspotpreview-na1.com\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\" data-gtm-yt-inspected-8907472_161=\"true\" data-gtm-yt-inspected-6=\"true\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>:&nbsp;When singers are singing a song in a film, the first point is that if you’re a producer and you have someone singing in a film and it’s actually them singing (not a recording) a song that exists, you need permission to use the composition in the film. If you are recording someone singing a song in a film, then you don’t need to get the rights to use the original recording because you’re making the recording yourself. So, you don’t have to get the master rights from some record label; you’ve created the recording yourself.</p>\n<p>If you’re the producer and you’ve asked your director to tell the singer to add an extra chorus or change a verse around based on the storyline, you’re changing the song. There are two things to consider: <span style=\"font-weight: bold;\">1) </span>you may need to get some rights from the writer; if the performer went off script, you need their consent and<span style=\"font-weight: bold;\"> 2) </span>you need the right to change the composition. Whoever controls the original composition, they need to give consent to you changing around the words or the process or the order of the song. Same goes for translation; if the original song is in English and you want it to be in French in your movie, you need consent for the translation. Even if you hire a translator or use Google Translate, you’re not allowed to do that without getting consent for this translation that you have done.</p>\n<p>If you’re using a song in a film that is being performed by someone in the film or TV show, you need to make sure that if there are any changes to that composition, you need to get permission from whoever the composition originated with AND you need consent to use the new intellectual property created by whoever made those changes. However, as I said, if you’re making your own recording of a song, you don’t need to buy the recording of the original song, so that could save some money, but adds some hoops to jump through in terms of getting the proper permission.</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US?</span> Get a quote for <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer's E&amp;O clearance procedures</a></li>\n<li><a href=\"/articles/what-role-do-credits-play\" rel=\"noopener\">What role do music credits play?</a></li>\n<li><a href=\"/articles/whats-a-music-exclusion\" rel=\"noopener\">What's a music exclusion?</a></li>\n<li><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\"noopener\">Blurring the lines of music infringement law</a></li>\n<li><strong>eBook</strong>: <a href=\"/errors-omissions-insurance-101\" rel=\"noopener\">Producer's E&amp;O Insurance 101</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Byron Pascoe's film producer's E&amp;O videos</a></li>\n</ul>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span><span style=\"font-style: italic;\"></span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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.</span></p></span>\n","postBodyRss":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe id=\"578597065\" class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" xml=\"lang\" src=\"https://www.youtube.com/embed/BqKdwsUxmcs?rel=0&amp;enablejsapi=1&amp;origin=https%3A%2F%2F61352.hubspotpreview-na1.com\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\" data-gtm-yt-inspected-8907472_161=\"true\" data-gtm-yt-inspected-6=\"true\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>:&nbsp;When singers are singing a song in a film, the first point is that if you’re a producer and you have someone singing in a film and it’s actually them singing (not a recording) a song that exists, you need permission to use the composition in the film. If you are recording someone singing a song in a film, then you don’t need to get the rights to use the original recording because you’re making the recording yourself. So, you don’t have to get the master rights from some record label; you’ve created the recording yourself.</p>\n<p>If you’re the producer and you’ve asked your director to tell the singer to add an extra chorus or change a verse around based on the storyline, you’re changing the song. There are two things to consider: <span style=\"font-weight: bold;\">1) </span>you may need to get some rights from the writer; if the performer went off script, you need their consent and<span style=\"font-weight: bold;\"> 2) </span>you need the right to change the composition. Whoever controls the original composition, they need to give consent to you changing around the words or the process or the order of the song. Same goes for translation; if the original song is in English and you want it to be in French in your movie, you need consent for the translation. Even if you hire a translator or use Google Translate, you’re not allowed to do that without getting consent for this translation that you have done.</p>\n<p>If you’re using a song in a film that is being performed by someone in the film or TV show, you need to make sure that if there are any changes to that composition, you need to get permission from whoever the composition originated with AND you need consent to use the new intellectual property created by whoever made those changes. However, as I said, if you’re making your own recording of a song, you don’t need to buy the recording of the original song, so that could save some money, but adds some hoops to jump through in terms of getting the proper permission.</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US?</span> Get a quote for <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer's E&amp;O clearance procedures</a></li>\n<li><a href=\"/articles/what-role-do-credits-play\" rel=\"noopener\">What role do music credits play?</a></li>\n<li><a href=\"/articles/whats-a-music-exclusion\" rel=\"noopener\">What's a music exclusion?</a></li>\n<li><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\"noopener\">Blurring the lines of music infringement law</a></li>\n<li><strong>eBook</strong>: <a href=\"/errors-omissions-insurance-101\" rel=\"noopener\">Producer's E&amp;O Insurance 101</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Byron Pascoe's film producer's E&amp;O videos</a></li>\n</ul>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span><span style=\"font-style: italic;\"></span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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.</span></p>","postEmailContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe id=\"578597065\" class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" xml=\"lang\" src=\"https://www.youtube.com/embed/BqKdwsUxmcs?rel=0&amp;enablejsapi=1&amp;origin=https%3A%2F%2F61352.hubspotpreview-na1.com\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\" data-gtm-yt-inspected-8907472_161=\"true\" data-gtm-yt-inspected-6=\"true\"></iframe>\n </div> \n</div>","postFeaturedImageIfEnabled":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Byron%20Pascoe/singer-shutterstock_2237416825-forweb600.jpg","postListContent":"\n\n\n\n <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\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe id=\"578597065\" class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" xml=\"lang\" src=\"https://www.youtube.com/embed/BqKdwsUxmcs?rel=0&amp;enablejsapi=1&amp;origin=https%3A%2F%2F61352.hubspotpreview-na1.com\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\" data-gtm-yt-inspected-8907472_161=\"true\" data-gtm-yt-inspected-6=\"true\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>:&nbsp;When singers are singing a song in a film, the first point is that if you’re a producer and you have someone singing in a film and it’s actually them singing (not a recording) a song that exists, you need permission to use the composition in the film. If you are recording someone singing a song in a film, then you don’t need to get the rights to use the original recording because you’re making the recording yourself. So, you don’t have to get the master rights from some record label; you’ve created the recording yourself.</p>\n<p>If you’re the producer and you’ve asked your director to tell the singer to add an extra chorus or change a verse around based on the storyline, you’re changing the song. There are two things to consider: <span style=\"font-weight: bold;\">1) </span>you may need to get some rights from the writer; if the performer went off script, you need their consent and<span style=\"font-weight: bold;\"> 2) </span>you need the right to change the composition. Whoever controls the original composition, they need to give consent to you changing around the words or the process or the order of the song. Same goes for translation; if the original song is in English and you want it to be in French in your movie, you need consent for the translation. Even if you hire a translator or use Google Translate, you’re not allowed to do that without getting consent for this translation that you have done.</p>\n<p>If you’re using a song in a film that is being performed by someone in the film or TV show, you need to make sure that if there are any changes to that composition, you need to get permission from whoever the composition originated with AND you need consent to use the new intellectual property created by whoever made those changes. However, as I said, if you’re making your own recording of a song, you don’t need to buy the recording of the original song, so that could save some money, but adds some hoops to jump through in terms of getting the proper permission.</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US?</span> Get a quote for <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer's E&amp;O clearance procedures</a></li>\n<li><a href=\"/articles/what-role-do-credits-play\" rel=\"noopener\">What role do music credits play?</a></li>\n<li><a href=\"/articles/whats-a-music-exclusion\" rel=\"noopener\">What's a music exclusion?</a></li>\n<li><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\"noopener\">Blurring the lines of music infringement law</a></li>\n<li><strong>eBook</strong>: <a href=\"/errors-omissions-insurance-101\" rel=\"noopener\">Producer's E&amp;O Insurance 101</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Byron Pascoe's film producer's E&amp;O videos</a></li>\n</ul>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span><span style=\"font-style: italic;\"></span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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.</span></p></span>\n","postListSummaryFeaturedImage":"","postRssContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe id=\"578597065\" class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" xml=\"lang\" src=\"https://www.youtube.com/embed/BqKdwsUxmcs?rel=0&amp;enablejsapi=1&amp;origin=https%3A%2F%2F61352.hubspotpreview-na1.com\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\" data-gtm-yt-inspected-8907472_161=\"true\" data-gtm-yt-inspected-6=\"true\"></iframe>\n </div> \n</div>","postRssSummaryFeaturedImage":"https://61352.fs1.hubspotusercontent-na1.net/hubfs/61352/blog-image-uploads/Byron%20Pascoe/singer-shutterstock_2237416825-forweb600.jpg","postSummary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; 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height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe id=\"578597065\" class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" xml=\"lang\" src=\"https://www.youtube.com/embed/BqKdwsUxmcs?rel=0&amp;enablejsapi=1&amp;origin=https%3A%2F%2F61352.hubspotpreview-na1.com\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\" data-gtm-yt-inspected-8907472_161=\"true\" data-gtm-yt-inspected-6=\"true\"></iframe></div>\n</div>\n<!--more-->\n<p><strong><br>Byron Pascoe</strong>:&nbsp;When singers are singing a song in a film, the first point is that if you’re a producer and you have someone singing in a film and it’s actually them singing (not a recording) a song that exists, you need permission to use the composition in the film. If you are recording someone singing a song in a film, then you don’t need to get the rights to use the original recording because you’re making the recording yourself. So, you don’t have to get the master rights from some record label; you’ve created the recording yourself.</p>\n<p>If you’re the producer and you’ve asked your director to tell the singer to add an extra chorus or change a verse around based on the storyline, you’re changing the song. There are two things to consider: <span style=\"font-weight: bold;\">1) </span>you may need to get some rights from the writer; if the performer went off script, you need their consent and<span style=\"font-weight: bold;\"> 2) </span>you need the right to change the composition. Whoever controls the original composition, they need to give consent to you changing around the words or the process or the order of the song. Same goes for translation; if the original song is in English and you want it to be in French in your movie, you need consent for the translation. Even if you hire a translator or use Google Translate, you’re not allowed to do that without getting consent for this translation that you have done.</p>\n<p>If you’re using a song in a film that is being performed by someone in the film or TV show, you need to make sure that if there are any changes to that composition, you need to get permission from whoever the composition originated with AND you need consent to use the new intellectual property created by whoever made those changes. However, as I said, if you’re making your own recording of a song, you don’t need to buy the recording of the original song, so that could save some money, but adds some hoops to jump through in terms of getting the proper permission.</p>\n<p style=\"text-align: right;\"><strong><em>Byron Pascoe</em></strong><em> is an entertainment lawyer and partner at Edwards Creative Law</em></p>\n<p>&nbsp;</p>\n<p><span style=\"font-weight: bold; font-style: italic;\">Are you a producer in Canada or the US?</span> Get a quote for <a href=\"https://www.frontrowinsurance.com/en/sectors/e-o-insurance\">producer’s E&amp;O insurance here</a>.</p>\n<p>&nbsp;</p>\n<h3>Related:</h3>\n<ul>\n<li><a href=\"/articles/articles/bid/27709/film-eo-insurance-clearances-procedures-for-film-producers-part-1-of-3\" rel=\"noopener\">Producer's E&amp;O clearance procedures</a></li>\n<li><a href=\"/articles/what-role-do-credits-play\" rel=\"noopener\">What role do music credits play?</a></li>\n<li><a href=\"/articles/whats-a-music-exclusion\" rel=\"noopener\">What's a music exclusion?</a></li>\n<li><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\"noopener\">Blurring the lines of music infringement law</a></li>\n<li><strong>eBook</strong>: <a href=\"/errors-omissions-insurance-101\" rel=\"noopener\">Producer's E&amp;O Insurance 101</a></li>\n<li><strong>YouTube</strong>: <a href=\"https://www.youtube.com/playlist?list=PLJtqQkUwXbiiN5OPy3Xv2AcutMxzQhKyn\" rel=\"nofollow noopener\">Byron Pascoe's film producer's E&amp;O videos</a></li>\n</ul>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: </span><a href=\"https://edwardslaw.ca/\" rel=\"noopener\" style=\"font-style: italic;\">Edwards Creative Law</a><span style=\"font-style: italic;\"> - Canada's Entertainment Law Boutique™</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.</span><span style=\"font-style: italic;\"></span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\">We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes.&nbsp;</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><strong>About</strong>: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment.</span></p>\n<p style=\"font-size: 14px;\"><span style=\"font-style: italic;\"><span style=\"font-weight: bold;\">Disclaimer</span>: 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. 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What are considerations around singers performing music in a film?

Female singer in movie


Byron Pascoe
: When singers are singing a song in a film, the first point is that if you’re a producer and you have someone singing in a film and it’s actually them singing (not a recording) a song that exists, you need permission to use the composition in the film. If you are recording someone singing a song in a film, then you don’t need to get the rights to use the original recording because you’re making the recording yourself. So, you don’t have to get the master rights from some record label; you’ve created the recording yourself.

If you’re the producer and you’ve asked your director to tell the singer to add an extra chorus or change a verse around based on the storyline, you’re changing the song. There are two things to consider: 1) you may need to get some rights from the writer; if the performer went off script, you need their consent and 2) you need the right to change the composition. Whoever controls the original composition, they need to give consent to you changing around the words or the process or the order of the song. Same goes for translation; if the original song is in English and you want it to be in French in your movie, you need consent for the translation. Even if you hire a translator or use Google Translate, you’re not allowed to do that without getting consent for this translation that you have done.

If you’re using a song in a film that is being performed by someone in the film or TV show, you need to make sure that if there are any changes to that composition, you need to get permission from whoever the composition originated with AND you need consent to use the new intellectual property created by whoever made those changes. However, as I said, if you’re making your own recording of a song, you don’t need to buy the recording of the original song, so that could save some money, but adds some hoops to jump through in terms of getting the proper permission.

Byron Pascoe is an entertainment lawyer and partner at Edwards Creative Law

 

Are you a producer in Canada or the US? Get a quote for producer’s E&O insurance here.

 

Related:

About: Edwards Creative Law - Canada's Entertainment Law Boutique™

We’re entertainment lawyers who understand the business of creative industries. We guide creators and business professionals as they navigate the legal complexities of working with others—purchasing, financing, creating, licencing, and protecting creative properties, buying and selling creative services.

We act for clients from across Canada and around the world – working in Canada with Canadians. We advise on and structure their commercial transactions, their employment and independent contractor relationships. We incorporate and administer their corporations. And, if necessary, we resolve their disputes. 

About: Front Row Insurance Brokers Inc. is an independent insurance broker that specializes in the entertainment industry – specifically, the film industry. Front Row works hard to provide insurance protection for a very low cost. Should a claim occur, Front Row works diligently with clients and insurers to expedite the payment.

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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