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Explained</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":null,"legacyId":null,"legacyPostGuid":null,"linkRelCanonicalUrl":"","listTemplate":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","mab":false,"mabExperimentId":null,"mabMaster":false,"mabVariant":false,"meta":{"has_user_changes":true,"author_username":"nedia@frontrowinsurance.com","blog_publish_instant_email_task_uid":"DONE","use_featured_image":false,"topic_ids":[956557290,4250596497],"last_edit_update_id":null,"author_user_id":4012692,"rss_summary":"<p style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</p>\n","last_edit_session_id":null,"keywords":[{"keyword":"workers compensation","ranks":[],"country":0,"keyword_guid":"fafe89d4-eb2a-472b-99fd-1ae6f6968c65","campaigns":[],"competitors":[],"keyword_id":71078,"keywords":[],"ranked_urls":[]},{"keyword":"first time film makers","keyword_guid":"78389474-3e0d-429a-b03e-5b74a8359787"},{"keyword":"camera crew","ranks":[],"country":0,"keyword_guid":"c966504c-b734-458f-a9d9-5a1883b25812","campaigns":[],"competitors":[],"keyword_id":725278,"keywords":[],"ranked_urls":[]},{"keyword":"film set","ranks":[],"country":0,"keyword_guid":"65e25b3d-df56-43d9-abad-0c4056dbe6dd","campaigns":[],"competitors":[],"keyword_id":13744348,"keywords":[],"ranked_urls":[]},{"keyword":"film crew","ranks":[],"country":0,"keyword_guid":"0fb7f0bf-48ba-4820-baca-22e12a8e62ab","campaigns":[],"competitors":[],"keyword_id":955824,"keywords":[],"ranked_urls":[]},{"keyword":"film producers insurance","ranks":[],"country":0,"created_at":1468366864916,"keyword_guid":"4b83b264-75ec-47b1-9ebc-ab90e711eecc","campaigns":[],"competitors":[],"keyword_id":18968345,"keywords":[],"ranked_urls":[]}],"campaign_name":"DICE","featured_image":"","post_summary":"<p style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</p>\n","meta_description":"Implications for film producers regarding workers compensation insurance. IATSE/NABET/SAG/DGA and other Guild or Union contract requirements. Work comp.","html_title":"Film and TV Industry Workers’ Compensation Explained","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 style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</p>\n<!--more--><p>If you are a crew member working on a low- or micro-budget film production, you should always ask the producer if they have workers’ compensation coverage for the crew and <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">general liability coverage</a> for the production in general.</p>\n<p>Workers comp. will provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the producer is <strong>obligated</strong> to provide coverage for any cast or crew who they hire. In some cases, coverage is arranged through a <a href=\"/contact-us\" rel=\"noopener\">private entertainment insurance broker</a> and in some cases it is arranged directly through the state or provincial agency responsible for providing workers’ comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the workers’ comp benefits, they usually <em>waive the right to sue</em> the producer. This is good insurance for the producer.</p>\n<p>Sometimes, the insurance company or government workers’ comp agency will <strong>not</strong> provide coverage if the crew and cast are not being paid, as there is no way to determine loss of future earnings. For this reason, the producer should arrange to at least make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant, indeed.</p>\n<p>Always ask the producer if you will be covered by workers’ comp <em>even when</em> <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a short shoot in any capacity.</p>\n<h2>GUILD / UNION TRAVEL ACCIDENT</h2>\n<p>Provides Motion Picture/Television (IATSE/NABET/SAG/DGA) and other Guild or Union contract requirements for accidental death, dismemberment and/or disability insurance to all production company cast or crew members. Coverage is blanket and the limits of liability meet all signatory requirements. It covers various modes of transportation; including extra-hazardous work, underwater filming, etc. as recited in various Guild agreements.</p>\n<p style=\"line-height: 1.5em;\"><strong>To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:</strong></p>\n<p style=\"line-height: 1.5em;\">Film Production Package for a single production: features, television series, documentaries, and more.</p>\n<p style=\"line-height: 1.5em;\"><span style=\"color: #000000;\"> A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers lower budget <strong><a href=\"/documentary\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Documentaries</a></strong>, <strong><a href=\"/annual-insurance-for-corporate-video-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Corporate Videos</a></strong>, <strong><a href=\"/annual-insurance-for-commercial-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Commercials</a></strong>, <strong><a href=\"/annual-insurance-for-educational-film-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Educational Films</a></strong>, <strong><a href=\"/music.video\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Music Videos</a></strong>, Shorts, and more.</span></p>\n<div class=\"hs-migrated-cms-post\">\n<h3>RELATED BLOG POSTS</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">FILM PRODUCTION CREW: ALWAYS ASK IF YOU ARE COVERED BY WORKERS COMP</a></div>\n<div class=\"hs-migrated-cms-post\">&nbsp;</div>\n</div></span>","publish_immediately":true,"author_email":"nedia@frontrowinsurance.com","featured_image_alt_text":"","rss_body":"<p style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</p>\n<!--more--><p>If you are a crew member working on a low- or micro-budget film production, you should always ask the producer if they have workers’ compensation coverage for the crew and <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">general liability coverage</a> for the production in general.</p>\n<p>Workers comp. will provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the producer is <strong>obligated</strong> to provide coverage for any cast or crew who they hire. In some cases, coverage is arranged through a <a href=\"/contact-us\" rel=\"noopener\">private entertainment insurance broker</a> and in some cases it is arranged directly through the state or provincial agency responsible for providing workers’ comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the workers’ comp benefits, they usually <em>waive the right to sue</em> the producer. This is good insurance for the producer.</p>\n<p>Sometimes, the insurance company or government workers’ comp agency will <strong>not</strong> provide coverage if the crew and cast are not being paid, as there is no way to determine loss of future earnings. For this reason, the producer should arrange to at least make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant, indeed.</p>\n<p>Always ask the producer if you will be covered by workers’ comp <em>even when</em> <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a short shoot in any capacity.</p>\n<h2>GUILD / UNION TRAVEL ACCIDENT</h2>\n<p>Provides Motion Picture/Television (IATSE/NABET/SAG/DGA) and other Guild or Union contract requirements for accidental death, dismemberment and/or disability insurance to all production company cast or crew members. Coverage is blanket and the limits of liability meet all signatory requirements. It covers various modes of transportation; including extra-hazardous work, underwater filming, etc. as recited in various Guild agreements.</p>\n<p style=\"line-height: 1.5em;\"><strong>To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:</strong></p>\n<p style=\"line-height: 1.5em;\">Film Production Package for a single production: features, television series, documentaries, and more.</p>\n<p style=\"line-height: 1.5em;\"><span style=\"color: #000000;\"> A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers lower budget <strong><a href=\"/documentary\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Documentaries</a></strong>, <strong><a href=\"/annual-insurance-for-corporate-video-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Corporate Videos</a></strong>, <strong><a href=\"/annual-insurance-for-commercial-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Commercials</a></strong>, <strong><a href=\"/annual-insurance-for-educational-film-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Educational Films</a></strong>, <strong><a href=\"/music.video\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Music Videos</a></strong>, Shorts, and more.</span></p>\n<div class=\"hs-migrated-cms-post\">\n<h3>RELATED BLOG POSTS</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">FILM PRODUCTION CREW: ALWAYS ASK IF YOU ARE COVERED BY WORKERS COMP</a></div>\n<div class=\"hs-migrated-cms-post\">&nbsp;</div>\n</div>","placement_guids":["4493fcf9-baba-463c-8688-ba6bf263b498","f583d82c-e9fc-4d6c-a68f-9961951ebdbe"],"campaign_utm":"DICE","css":{},"enable_google_amp_output_override":false,"css_text":"","tag_ids":[956557290,4250596497],"link_rel_canonical_url":"","published_by_id":7915797,"published_at":1649431498313,"head_html":null,"layout_sections":{},"blog_publish_to_social_media_task":"DONE_NOT_SENT","blog_post_schedule_task_uid":null,"scheduled_update_date":0,"header":null},"metaDescription":"Implications for film producers regarding workers compensation insurance. IATSE/NABET/SAG/DGA and other Guild or Union contract requirements. Work comp.","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\" >Film and TV Industry Workers’ Compensation Explained</span>","nextPostFeaturedImage":"https://f.hubspotusercontent00.net/hubfs/61352/blog-image-uploads/picture-car-shutterstock_1645923616-forweb300.jpg","nextPostFeaturedImageAltText":"Automobile Insurance for Films | Picture Car Insurance","nextPostName":"Automobile Insurance for Films | Car Insurance for Film Productions","nextPostSlug":"articles/commercial-vehicle-physical-damage-insurance","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"Film and TV Industry Workers’ Compensation Explained","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/workers-compensation\"\n },\n \"headline\": \"Film and TV Industry Workers’ Compensation Explained\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"\"\n },\n \"datePublished\": \"2016-07-21 16:30:21\",\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\": \"Implications for film producers regarding workers compensation insurance. 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In most states and provinces, the producer is <strong>obligated</strong> to provide coverage for any cast or crew who they hire. In some cases, coverage is arranged through a <a href=\"/contact-us\" rel=\"noopener\">private entertainment insurance broker</a> and in some cases it is arranged directly through the state or provincial agency responsible for providing workers’ comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the workers’ comp benefits, they usually <em>waive the right to sue</em> the producer. This is good insurance for the producer.</p>\n<p>Sometimes, the insurance company or government workers’ comp agency will <strong>not</strong> provide coverage if the crew and cast are not being paid, as there is no way to determine loss of future earnings. For this reason, the producer should arrange to at least make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant, indeed.</p>\n<p>Always ask the producer if you will be covered by workers’ comp <em>even when</em> <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a short shoot in any capacity.</p>\n<h2>GUILD / UNION TRAVEL ACCIDENT</h2>\n<p>Provides Motion Picture/Television (IATSE/NABET/SAG/DGA) and other Guild or Union contract requirements for accidental death, dismemberment and/or disability insurance to all production company cast or crew members. Coverage is blanket and the limits of liability meet all signatory requirements. It covers various modes of transportation; including extra-hazardous work, underwater filming, etc. as recited in various Guild agreements.</p>\n<p style=\"line-height: 1.5em;\"><strong>To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:</strong></p>\n<p style=\"line-height: 1.5em;\">Film Production Package for a single production: features, television series, documentaries, and more.</p>\n<p style=\"line-height: 1.5em;\"><span style=\"color: #000000;\"> A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers lower budget <strong><a href=\"/documentary\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Documentaries</a></strong>, <strong><a href=\"/annual-insurance-for-corporate-video-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Corporate Videos</a></strong>, <strong><a href=\"/annual-insurance-for-commercial-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Commercials</a></strong>, <strong><a href=\"/annual-insurance-for-educational-film-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Educational Films</a></strong>, <strong><a href=\"/music.video\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Music Videos</a></strong>, Shorts, and more.</span></p>\n<div class=\"hs-migrated-cms-post\">\n<h3>RELATED BLOG POSTS</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">FILM PRODUCTION CREW: ALWAYS ASK IF YOU ARE COVERED BY WORKERS COMP</a></div>\n<div class=\"hs-migrated-cms-post\">&nbsp;</div>\n</div></span>","postBodyRss":"<p style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</p>\n<!--more--><p>If you are a crew member working on a low- or micro-budget film production, you should always ask the producer if they have workers’ compensation coverage for the crew and <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">general liability coverage</a> for the production in general.</p>\n<p>Workers comp. will provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the producer is <strong>obligated</strong> to provide coverage for any cast or crew who they hire. In some cases, coverage is arranged through a <a href=\"/contact-us\" rel=\"noopener\">private entertainment insurance broker</a> and in some cases it is arranged directly through the state or provincial agency responsible for providing workers’ comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the workers’ comp benefits, they usually <em>waive the right to sue</em> the producer. This is good insurance for the producer.</p>\n<p>Sometimes, the insurance company or government workers’ comp agency will <strong>not</strong> provide coverage if the crew and cast are not being paid, as there is no way to determine loss of future earnings. For this reason, the producer should arrange to at least make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant, indeed.</p>\n<p>Always ask the producer if you will be covered by workers’ comp <em>even when</em> <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a short shoot in any capacity.</p>\n<h2>GUILD / UNION TRAVEL ACCIDENT</h2>\n<p>Provides Motion Picture/Television (IATSE/NABET/SAG/DGA) and other Guild or Union contract requirements for accidental death, dismemberment and/or disability insurance to all production company cast or crew members. Coverage is blanket and the limits of liability meet all signatory requirements. It covers various modes of transportation; including extra-hazardous work, underwater filming, etc. as recited in various Guild agreements.</p>\n<p style=\"line-height: 1.5em;\"><strong>To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:</strong></p>\n<p style=\"line-height: 1.5em;\">Film Production Package for a single production: features, television series, documentaries, and more.</p>\n<p style=\"line-height: 1.5em;\"><span style=\"color: #000000;\"> A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers lower budget <strong><a href=\"/documentary\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Documentaries</a></strong>, <strong><a href=\"/annual-insurance-for-corporate-video-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Corporate Videos</a></strong>, <strong><a href=\"/annual-insurance-for-commercial-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Commercials</a></strong>, <strong><a href=\"/annual-insurance-for-educational-film-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Educational Films</a></strong>, <strong><a href=\"/music.video\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Music Videos</a></strong>, Shorts, and more.</span></p>\n<div class=\"hs-migrated-cms-post\">\n<h3>RELATED BLOG POSTS</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">FILM PRODUCTION CREW: ALWAYS ASK IF YOU ARE COVERED BY WORKERS COMP</a></div>\n<div class=\"hs-migrated-cms-post\">&nbsp;</div>\n</div>","postEmailContent":"<p style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</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 style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</p>\n<!--more--><p>If you are a crew member working on a low- or micro-budget film production, you should always ask the producer if they have workers’ compensation coverage for the crew and <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">general liability coverage</a> for the production in general.</p>\n<p>Workers comp. will provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the producer is <strong>obligated</strong> to provide coverage for any cast or crew who they hire. In some cases, coverage is arranged through a <a href=\"/contact-us\" rel=\"noopener\">private entertainment insurance broker</a> and in some cases it is arranged directly through the state or provincial agency responsible for providing workers’ comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the workers’ comp benefits, they usually <em>waive the right to sue</em> the producer. This is good insurance for the producer.</p>\n<p>Sometimes, the insurance company or government workers’ comp agency will <strong>not</strong> provide coverage if the crew and cast are not being paid, as there is no way to determine loss of future earnings. For this reason, the producer should arrange to at least make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant, indeed.</p>\n<p>Always ask the producer if you will be covered by workers’ comp <em>even when</em> <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a short shoot in any capacity.</p>\n<h2>GUILD / UNION TRAVEL ACCIDENT</h2>\n<p>Provides Motion Picture/Television (IATSE/NABET/SAG/DGA) and other Guild or Union contract requirements for accidental death, dismemberment and/or disability insurance to all production company cast or crew members. Coverage is blanket and the limits of liability meet all signatory requirements. It covers various modes of transportation; including extra-hazardous work, underwater filming, etc. as recited in various Guild agreements.</p>\n<p style=\"line-height: 1.5em;\"><strong>To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:</strong></p>\n<p style=\"line-height: 1.5em;\">Film Production Package for a single production: features, television series, documentaries, and more.</p>\n<p style=\"line-height: 1.5em;\"><span style=\"color: #000000;\"> A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers lower budget <strong><a href=\"/documentary\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Documentaries</a></strong>, <strong><a href=\"/annual-insurance-for-corporate-video-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Corporate Videos</a></strong>, <strong><a href=\"/annual-insurance-for-commercial-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Commercials</a></strong>, <strong><a href=\"/annual-insurance-for-educational-film-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Educational Films</a></strong>, <strong><a href=\"/music.video\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Music Videos</a></strong>, Shorts, and more.</span></p>\n<div class=\"hs-migrated-cms-post\">\n<h3>RELATED BLOG POSTS</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">FILM PRODUCTION CREW: ALWAYS ASK IF YOU ARE COVERED BY WORKERS COMP</a></div>\n<div class=\"hs-migrated-cms-post\">&nbsp;</div>\n</div></span>","postListSummaryFeaturedImage":"","postRssContent":"<p style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</p>\n","postRssSummaryFeaturedImage":"","postSummary":"<p style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</p>\n","postSummaryRss":"<p style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</p>\n","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"POhgHckI","previousPostFeaturedImage":"","previousPostFeaturedImageAltText":"","previousPostName":"Production Equipment and Props/Sets/Wardrobe Insurance Explained","previousPostSlug":"articles/production-equipment-and-props/sets/wardrobe-insurance-explained","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publishDate":1469118621000,"publishDateLocalTime":1469118621000,"publishDateLocalized":{"date":1469118621000,"format":"medium","language":"en_US"},"publishImmediately":true,"publishTimezoneOffset":null,"publishedAt":1649431498313,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/workers-compensation","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":null,"rssBody":"<p style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</p>\n<!--more--><p>If you are a crew member working on a low- or micro-budget film production, you should always ask the producer if they have workers’ compensation coverage for the crew and <a href=\"/articles/commercial-general-liability\" rel=\"noopener\">general liability coverage</a> for the production in general.</p>\n<p>Workers comp. will provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces, the producer is <strong>obligated</strong> to provide coverage for any cast or crew who they hire. In some cases, coverage is arranged through a <a href=\"/contact-us\" rel=\"noopener\">private entertainment insurance broker</a> and in some cases it is arranged directly through the state or provincial agency responsible for providing workers’ comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the workers’ comp benefits, they usually <em>waive the right to sue</em> the producer. This is good insurance for the producer.</p>\n<p>Sometimes, the insurance company or government workers’ comp agency will <strong>not</strong> provide coverage if the crew and cast are not being paid, as there is no way to determine loss of future earnings. For this reason, the producer should arrange to at least make nominal payments to cast and crew.</p>\n<p>If you are a crew member who gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant, indeed.</p>\n<p>Always ask the producer if you will be covered by workers’ comp <em>even when</em> <a href=\"/articles/blog/volunteers-on-set-worth-the-risk\" rel=\"noopener\">volunteering</a> on a short shoot in any capacity.</p>\n<h2>GUILD / UNION TRAVEL ACCIDENT</h2>\n<p>Provides Motion Picture/Television (IATSE/NABET/SAG/DGA) and other Guild or Union contract requirements for accidental death, dismemberment and/or disability insurance to all production company cast or crew members. Coverage is blanket and the limits of liability meet all signatory requirements. It covers various modes of transportation; including extra-hazardous work, underwater filming, etc. as recited in various Guild agreements.</p>\n<p style=\"line-height: 1.5em;\"><strong>To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:</strong></p>\n<p style=\"line-height: 1.5em;\">Film Production Package for a single production: features, television series, documentaries, and more.</p>\n<p style=\"line-height: 1.5em;\"><span style=\"color: #000000;\"> A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers lower budget <strong><a href=\"/documentary\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Documentaries</a></strong>, <strong><a href=\"/annual-insurance-for-corporate-video-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Corporate Videos</a></strong>, <strong><a href=\"/annual-insurance-for-commercial-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Commercials</a></strong>, <strong><a href=\"/annual-insurance-for-educational-film-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Educational Films</a></strong>, <strong><a href=\"/music.video\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Music Videos</a></strong>, Shorts, and more.</span></p>\n<div class=\"hs-migrated-cms-post\">\n<h3>RELATED BLOG POSTS</h3>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">FILM PRODUCTION CREW: ALWAYS ASK IF YOU ARE COVERED BY WORKERS COMP</a></div>\n<div class=\"hs-migrated-cms-post\">&nbsp;</div>\n</div>","rssSummary":"<p style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\" width=\"300\"></p>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too 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Explained"},"id":"name","label":"Title","name":"name","type":"text"},"post_body":{"body":{"html":"<p style=\"line-height: 1.5em;\"><img src=\"https://cdn2.hubspot.net/hubfs/61352/images/work-comp-forweb.jpg\" alt=\"Workers Compensation for Film Crews\" width=\"300\" style=\"width: 300px; margin: 0px 0px 10px 10px; float: right;\"></p>\n<h1>WORKERS’ COMPENSATION EXPLAINED</h1>\n<p>Crew members on film productions, short films, commercials, documentaries and music videos should always be covered by work comp insurance - the risk of going without is too great.</p>\n<p>If you are a crew member working on a low or micro budget film production, you should always ask the producer if they have workers’ compensation coverage for the crew and general liability coverage for the production in general.</p>\n<p>Workers comp. will provides benefits to workers injured on the job such as: medical costs, rehab costs and loss of future earnings all per the policy wording. In most states and provinces the film maker is obligated to provide coverage for any cast or crew that they hire. In some cases coverage is arranged through a private entertainment insurance broker and in some cases it is arranged directly through the state or provincial agency responsible for providing workers’ comp.</p>\n<p>The benefit to the producer is that once the injured crew member accepts the workers’ comp benefits, they usually waive the right to sue the producer. This is good insurance for the producer.</p>\n<p>Sometimes the insurance company or government workers’ comp agency will not provide coverage if the crew and cast are not being paid, as there is no way to determine loss of future earnings. For this reason, the producer should arrange to at least make nominal payments to cast and crew.</p>\n<p>If you are a crew member that gets hurt on the job and there are no work comp benefits available to you, then you are faced with the prospect of suing the producer while recovering from your injuries - difficult and unpleasant.</p>\n<p>Always ask the producer if you will be covered by workers’ comp even when volunteering on a short shoot in any capacity.</p>\n<h2>GUILD / UNION TRAVEL ACCIDENT</h2>\n<p>Provides Motion Picture/Television (IATSE/NABET/SAG/DGA) and other Guild or Union contract requirements for accidental death, dismemberment and/or disability insurance to all production company cast or crew members. Coverage is blanket and the limits of liability meet all signatory requirements. It covers various modes of transportation; including extra-hazardous work, underwater filming, etc. as recited in various Guild agreements.</p>\n<p style=\"line-height: 1.5em;\"><strong>To obtain coverage a no obligation insurance quote for your project, please click on one of the links below:</strong></p>\n<p style=\"line-height: 1.5em;\">Film Production Package for a single production: features, television series, documentaries, and more.</p>\n<p style=\"line-height: 1.5em;\"><span style=\"color: #000000;\">&nbsp; &nbsp;<a href=\"/documentary\" rel=\"noopener\" target=\"_blank\" style=\"color: #000000;\"></a> A convenient way of administering your insurance if you anticipate multiple productions in the next twelve months. This type of policy covers <strong><a href=\"/documentary\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Documentaries</a></strong>, <strong><a href=\"/annual-insurance-for-corporate-video-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Corporate Videos</a></strong>, <strong><a href=\"/annual-insurance-for-commercial-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Commercials</a></strong>, <strong><a href=\"/annual-insurance-for-educational-film-producers\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Educational Films</a></strong>, <strong><a href=\"/music.video\" target=\"_blank\" style=\"color: #000000;\" rel=\"noopener\">Music Videos</a></strong>, Shorts, and more.</span></p>\n<div class=\"hs-migrated-cms-post\">\n<h3>RELATED BLOG POSTS</h3>\n<a href=\"/articles/articles/bid/111033/focus-on-safety-to-reduce-film-production-workers-compensation-claims\" rel=\" noopener\"></a></div>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/articles/bid/28960/film-production-crew-always-ask-if-you-are-covered-by-workers-comp\" rel=\" noopener\">FILM PRODUCTION CREW: ALWAYS ASK IF YOU ARE COVERED BY WORKERS COMP</a></div>\n<div class=\"hs-migrated-cms-post\">&nbsp;</div>\n<div class=\"hs-migrated-cms-post\"><a href=\"/articles/articles/bid/111033/focus-on-safety-to-reduce-film-production-workers-compensation-claims\" rel=\" noopener\">FOCUS ON SAFETY TO REDUCE FILM PRODUCTION WORKERS COMPENSATION CLAIMS</a></div>\n<div class=\"hs-migrated-cms-post\">&nbsp;</div>"},"deleted_at":1613756010707,"id":"post_body","label":"Blog Content","name":"post_body","type":"rich_text"}}}

Film and TV Industry Workers’ Compensation Explained

Workers Compensation for Film Crews

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

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

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

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

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

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

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

GUILD / UNION TRAVEL ACCIDENT

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

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

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

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

RELATED BLOG POSTS

FILM PRODUCTION CREW: ALWAYS ASK IF YOU ARE COVERED BY WORKERS COMP
 

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