The Best Cameras for Filmmaking in 2020

Posted by Grant Patten on Apr 1, 2020 7:55:11 AM

THE BEST CAMERAS FOR FILMMAKING

The Best Cameras for Filmmaking in 2020Source: Royalty-free stock photo ID: 685271140, Shutterstock

Let’s review some of the best cameras for filmmaking available on the market now. We’ll discuss:

THE BEST CAMERAS FOR FILMMAKING - Canon 90DCanon 80D and 90D DSLRs – affordable & excellent cameras for filmmaking / best DSLRs for filmmaking

The Canon 80D [Affiliate Link] is an excellent DSLR that offers a useful articulating screen and fast, precise autofocus in live view mode, making it great for video shooters. The colours look great, too.

The 90D [Affiliate Link] is the newer model, offering upgrades such as a higher-resolution sensor and a new electronic shutter/faster shutter speed (up to 1/16,000 second). For reference, here is an example video shot on the 90D:

 

The Canon EOS Rebel T7i [Affiliate Link] is another DSLR appropriate for filmmaking. If you purchase it as a kit, you can get a tripod, filters and other useful accessories included with it. It shoots HD 1080p video at 60fps and offers an HDR mode.

Arguably superior image quality to Canon DSLRs – Blackmagic Pocket Cinema Camera

As great as the Canon DSLRs are, through, some filmmakers argue that other brands offer superior image quality in this price range, such as the Blackmagic Pocket Cinema Camera. [Affiliate Link] This camera shoots 4K 4096 x 2160 up to 60 fps with 13 stops of dynamic range. For reference, decide for yourself by comparing this Blackmagic footage to the Canon footage above:

The Blackmagic Pocket 4K has many great attributes, including:

  • Raw recording / great dynamic range (roughly 1 TB per hour of recording)
  • Apple ProRes 422 (HQ) at 220 Mbps
  • Great colour science
  • Great ISO range
  • Large screen

The Panasonic G7 kit – great for low-budget filmmaking / best camera for filmmaking on a budget

With the Panasonic LUMIX G7 Mirrorless Camera and Accessory Bundle [Affiliate Link], you can get this camera with useful accessories included like a carrying case and memory card – all for under $750 CAD (at the time of this writing).

In the G line, filmmakers may also want to consider the GH5 [Affiliate Link]. This camera is a better choice if you want to look inconspicuous and do “run & gun” type work. And if you’re looking for cheaper options, the older models are still quite good filmmaking cameras, including the GH4.

The Panasonic LUMIX DMC-FZ1000 [Affiliate Link] may be considered for a “superzoom” option; this camera offers a high-res OLED viewfinder, 12 fps burst shooting and beautiful 4K video.

THE BEST CAMERAS FOR FILMMAKING - Sony A7 IIIThe Sony a77, Alpha A6400 and FDR-AX700

The Sony a7 III [Affiliate Link] is a camera to consider for filmmaking and videography as it lets you shoot 4K2 (3840x2160 pixels) up to 10 fps and customize a wide range of video-shooting options.

The Sony Alpha A6400 [Affiliate Link] is also an excellent filmmaking camera that shoots 4K video (24.2-megapixel APS-C size CMOS sensor). This camera has no record time limit!

The Sony FDR-AX700 camcorder [Affiliate Link] is another reasonably priced option that shoots 4K and HDR videos. This camera has incredibly fast, hybrid autofocus (AF) technology.

The Fujifilm X-T3 and X-T30

The Fujifilm X-T3 [Affiliate Link] camera is easy to use, provides great image quality (4K recording at 60p) and is small enough that it doesn't draw a lot of attention. If you want a camera that captures great video & photos, the Fuji X-T3 is ideal.

You could also go for the X-T30 [Affiliate Link], which is essentially a smaller, cheaper version of the X-T3. 4K recording is limited to 30p on the X-T30. The X-T30 is reported (The Verge) to have a better autofocus system than the X-T3, though.

THE BEST CAMERAS FOR FILMMAKING - DJI Osmo PocketBest compact camera / best small camera for filmmaking – the DJI Osmo Pocket

If you need a really small and compact camera that can still record amazing image quality (RAW format photos and D-Cinelike videos), check out the DJI Osmo Pocket. [Affiliate Link] It can shoot 4K/60fps video at 100 mbps.

This camera is a popular choice for vloggers and travellers.

 

More of an investment – Professional cinema cameras / cine cameras

If you’re able to spend more, consider getting a cine camera / cinema camera, such as the Canon EOS C300 MK II [Affiliate Link] or the Canon EOS C200 [Affiliate Link]. Cinema cameras are designed to capture video with a dynamic range that matches or exceeds that of film: ~13 stops or so.

A key advantage most cine cameras have is continuous recording time – they’re generally able to record a lot longer without pausing. DSLRs usually have a 29:59 single recording max length timer.

The Sony PXW-FS5 [Affiliate Link] is a great “run & gun” cinema camera. It can shoot 4K RAW (records data directly from the sensor) and capture continuous HD video at up to 120 fps.

Get DigiGear Insurance | Film Equipment Insurance | Film Gear Insurance | Sound & Lighting Equipment Insurance

If you end up buying any of these above cameras (or any other gear) – you’ll want to have the right insurance coverage in place to protect that valuable gear.

Front Row’s DigiGear insurance policy is a good option for insuring your filmmaking gear, including your film camera(s). You can get a quote online, purchase a policy online in 5 mins, or read more about the coverages available here: https://digigearinsure.frontrowinsurance.com/

Refer a Friend to Front Row Insurance

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

Related posts:

HOW TO PROTECT YOUR CAMERA LENS(ES)

PREVENTING FILM EQUIPMENT THEFT – TIPS & TRICKS

HOW TO CHOOSE BETWEEN A DICE INSURANCE POLICY AND A DIGIGEAR POLICY?

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.

Amazon Associates Disclosure: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links. There is no additional cost to you.

Citations:

Topics: DigiGear

Filmmakers & Videographers in the Field During the COVID-19 Pandemic

Posted by Grant Patten on Mar 20, 2020 8:10:06 AM

Filmmakers & Videographers in the Field During the COVID-19 Pandemic: Best Practices

Filmmakers & Videographers in the Field During the COVID-19 Pandemicsource: Shutterstock Royalty-free stock photo ID: 1660469317

Front Row remains committed to the success of the entertainment industry and its creators in both good times and bad. With the ongoing coronavirus pandemic, we are now, of course, in bad times, but we thought we could be helpful to those brave filmmakers, film equipment operators and videographers who are still out there working in the field by providing this information.

Questions to ask before heading out on location:

  • Who are you interviewing?
  • Do you need to actually head out/interview a contributor?
  • Can it be done via FaceTime or Skype instead?
  • Are you a risk to anyone?
  • Is anyone nearby more vulnerable/susceptible to the virus?

COVID-19 Information re: Filming

-For any interviews, consider filming a FaceTime (or another video telephony product) instead of in-person interviews. FaceTime interviews can look bad as stand-alone screen-records, but you can be creative shooting these things yourself.

-Clip mics: avoid using these on anyone other than colleagues. It might be best to use a hand mic and/or camera top mic with a wireless transmitter plugged into the bottom for interviews. At the end of the day, take a sponge and wash any mics in hot water and soap.

-STOP sharing earpieces and headphones.

-You or your colleague(s) may wish to use a boom pole from at least a metre of distance.

-Carry latex gloves, masks, hand sanitizer and wipes to clean kit and hands. Pack spares in your kit bag. Latex gloves are the best on location.

CLEAN YOUR KIT

It’s the thing you’re likely touching the most. Clean any camera gear, keyboard, etc. regularly. Carry anti-bacterial wipes to clean equipment in the field. Most importantly, clean equipment at the start and end of the day. Wipe everything.

CLEAN YOUR DEVICES

-Cards in wallet, etc. Avoid touching any coins or cash, if possible.

-Are you using a work car, pool vehicle or hire car? WIPE IT DOWN… spend 20-30 minutes wiping down your vehicle before anyone enters – seats, steering wheel, buttons, handles, etc.

-Keep a log of who has been driving each pool/company vehicle and when/where. If someone picks up the virus, you then know who may need to isolate.

-Think about what you’re touching: e.g., wipe down the bottle of water you’ve just bought. Anything entering your apartment, edit suite or work vehicle should be wiped down.

-You may wish to consider vitamins if you work long and unpredictable hours. The right vitamins can strengthen immune systems. Diet is important, too.

-Be patient. Things will take longer and there will be more to do, but everyone benefits.

HEADING INTO A COVID-19 DANGER ZONE?

-Do you have any underlying health conditions, or problems affecting your immune system? If you do, you may be sensible not to go. You also may not wish to go if any of your immediate family have any of those issues.

-Do your research. Things can change within hours – sudden lockdowns, bans on certain nationalities being able to travel or enter areas, sudden rises in cases, entry and exit restrictions. Have contingency plans for sickness on location, entry/exit plans, etc., and the prospect that you might be stuck there for much longer than planned.

-Protective equipment. Take the basics – gloves, masks, wipes, etc., but plan for the worst. What if you get stuck somewhere? What if you end up sick and having to go to a local health facility (which is likely to be very high risk?). Do you have full protective clothing and perhaps a full face covering (helmet with screen) on standby?

-Wipe down your hotel room. Wipe everything down – light switches, surfaces, toilet seats, etc. You probably don’t want to be eating in the hotel restaurant, drinking in the bar or having a leisurely coffee in the local Starbucks.

RETURNING FROM A COVID-19 DANGER ZONE?

-If returning from a high-risk location – for instance a locked-down town or region, you will probably need to quarantine for 14 days. Have plans for that and take it seriously. Have food and supplies delivered to you. Check and note your temperature and how you’re feeling twice a day. Plan to be able to entertain yourself. Take the isolation seriously and actually isolate. Don’t go to Starbucks, or to see your family. Think about the safety of everyone more vulnerable than you.

-Hot wash all your clothes on return. You may wish to soak/hand wash/scrub some clothing thoroughly. Soak your shoes in boiling hot water and soap. If you suspect something needs to be thrown out, just throw it out.

Good luck and take care,
— The Front Row Team

Disclaimer: This disclaimer provides that the information in this blog post is merely information – not advice. If individuals need medical advice, they should always consult a licensed medical professional. This information was provided by an anonymous working camera journalist, originally posted on the “News And Current Affairs Camera Operators” Facebook group on March 17, 2020.

Citations:

How to Protect Your Camera Lens(es)

Posted by Grant Patten on Mar 16, 2020 7:26:59 AM

How to Protect Your Camera Lens(es)

How to Protect Your Camera Lens(es)

Protect your camera lens with a filter / protect your camera lens from scratches

Even if you’re not using a filter to obtain any particular photographic effect, it’s still wise to keep a filter on your camera lens in order to add a layer of protection. A UV or ND filter could be used; either filter will help prevent scratches from getting on the lens.

The AmazonBasics UV Protection Camera Lens Filter would likely do the job, but you could also go with something fancier such as the K&F Concept 82MM Ultra Slim ND Filter Adjustable Neutral Density Filter if you’re willing to spend a bit more. [Affiliate Links]

Protect your camera lens with a lens cap / camera lens cover / camera lens protector

It may seem obvious, but the lens cap is under-appreciated and best practices around using lens caps are often not followed, so it’s worth reminding: you should keep lens caps (both front and rear) on your lenses at all times when you’re not using them, such as when they’re in a camera bag.

The lens cap that came with your camera might be perfectly adequate, but do you have a backup? There might also be some better, sturdier lens caps out there that would be a good fit for your camera. It’s worth doing some research.

The Lens Cap Bundle - 4 Snap-on Lens Caps for DSLR Cameras from CAMKIX is worth a look. The Nikon LF-4 Rear Lens Cap is also well reviewed. [Affiliate Links]

Protect your camera lens with a lens hood / DSLR lens hood / camera lens hood

Along with helping prevent ugly flares in your pictures, lens hoods also serve the purpose of physically protecting your lens AND filter. If you hit an object with your lens, chances are the hood will hit it first and keep your lens and filter undamaged.

The Kiwifotos 50mm Reversible Lens Hood seems to have mostly positive reviews on Amazon. The FOTGA Bayonet Mount Lens Hood is also well reviewed. [Affiliate Links]

Protect your camera lens with good camera cleaning gear / lens cleaning kit / camera lens cleaning kit / DSLR cleaning kit / camera cleaning kit

If you’re actually using your camera gear, then inevitably some dust and/or “gunk” will get on the surface of the lens and a proper camera cleaning kit is therefore essential.

Notable product review site Wirecutter recommends for camera cleaning:

How to protect your camera lens from fungus / camera lens cleaning

You’ll want to follow certain best practices in cleaning your camera lens in order to prevent it from getting fungal damage. If you shoot outdoors, but then you just toss your lens into a camera bag without wiping everything down, your lens will eventually turn into an expensive Petri dish.

Store your camera and lens in a cool, dry place. If this isn’t possible because you’re shooting in a warm environment, consider purchasing a portable/mini dehumidifier that can be placed next to your camera and lens when stored away. The yaufey Mini Dehumidifier is one example of such a product. The Pro Breeze Electric Mini Dehumidifier is also an option. [Affiliate Links]

Microfiber clothes are ideal for cleaning and drying lenses. Some of these clothes are designed specifically for lenses, such as the Nikon 8072 Microfiber Cleaning Cloth and the MagicFiber Microfiber Cleaning Cloth [Affiliate Links].

Don’t just leave your lenses in the sun to dry them. This can cause problems.

Protect your camera lens with a solid camera strap / camera wrist strap / camera neck strap / camera shoulder strap / DSLR camera strap / best camera strap

It just doesn’t make sense to use a cheap, shoddy camera strap to hold an expensive camera/lens. You’re asking for trouble if you do that as the strap could conceivably snap at any point, damaging your camera lens. It doesn’t have to be expensive, but a decent camera strap is a great investment.

There are many different types of camera straps:

Protect your camera lens with a good camera bag / DSLR camera bag / best camera bag

Especially if you have more than one camera and multiple lenses, you’ll also want to put some thought into getting a good camera bag – this will also help protect your lenses.

The Peak Design Everyday Messenger Bag [Affiliate Link] has a waterproof galaxy foam bottom liner and was recommended by Wirecutter. The waterproof Tenba Cooper 13 Slim [Affiliate Link] was also recommended by Wirecutter.

Clean your compartments/bag of all the lint you can before putting lenses in it. Include some silica gel desiccant [Affiliate Link] in the bag to absorb residual moisture.

Ideally, keep the camera bag away from radiators and places that might be damp. Somewhere between 5°C and 10°C is a good temperature.

Protect your camera lens with a sturdy tripod / camera tripod mount / video camera tripod / tripod stand for DSLR

After investing so much into your camera lens, it would be a shame to then put that camera on a weak tripod, only to have it tip over, smash into the ground and crack the lens. Using a sturdy tripod that is appropriately sized for your camera body and lens is an excellent preventative measure.

The Sirui W-1004K10 Tripod Kit River Runner was recommended by Wirecutter as a sturdy tripod. The GEEKOTO Tripod 200cm is also well reviewed on Amazon. [Affiliate Links]

Photography Insurance | Photography equipment insurance | Camera insurance | Photographer Insurance | photographer liability insurance

Following these tips will hopefully allow you to avoid any damage to your camera lens – but in case that does happen – you’d ideally have insurance coverage in place.

Front Row’s photography insurance policy is a good option for insuring your photo gear. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. You can get a quote online, purchase a policy online in 5 mins, or read more about the coverages available here: https://photographer.frontrowinsurance.com/

Refer a Friend to Front Row Insurance

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

 

Related posts:

What to Know About Rain Photography: Protecting Your Camera in Rain

Theft from Vehicle: Photography Insurance

The Best Cameras for Filmmaking

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.

Amazon Associates Disclosure: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links. There is no additional cost to you.

Citations:

Topics: Camera Insurance, photography insurance, Camera Insurance Broker

How does an E&O clearance process protect against claims of libel?

Posted by Kailin Che on Mar 13, 2020 7:40:38 AM

How does an e&o clearance process protect against claims of libel and slander?

WHAT TO KNOW ABOUT E&O INSURANCE AND LIBEL / SLANDER / DEFAMATION

E&O INSURANCE FILM | ERRORS AND OMISSIONS INSURANCE FILM:


Kailin Che (Lawyer)
: Depending on the policy, E&O insurance should also provide defense and indemnification for claims relating to defamation and in order for a defamation claim to exist, there must be a defamatory statement that’s been published to a third party relating to a specific person and it must be construed as defamatory for a “reasonable person”/outside party.

Typically, a statement can be considered defamatory if it has the tendency to lower a person’s reputation in the community. But defamatory statements aren’t limited to what’s expressed in words; it can also be expressed by photography or even cartoons.

The general rule is that you’re only responsible for the defamatory statements that you publish; e.g., if you publish a defamatory statement and someone else republishes your original statement, any damages relating to this publishing of a defamatory statement will be attributed to the republisher and not to the original author of the statement. With that said, there are always exceptions.

 

Related:

About: Kailin Che is a corporate/commercial lawyer who represents clients in a broad range of industries including, technology, entertainment, manufacturing and real estate. She has advised clients on a variety of endeavors, including mergers and acquisitions, financing, reorganizations, corporate governance and regulatory compliance. Kailin began her legal career at a global law firm in Toronto and is licensed to practice in both Ontario and British Columbia.

Topics: E&O Insurance, Film Insurance claims, defamation insurance

What to Know About Rain Photography: Protecting Your Camera in Rain

Posted by Grant Patten on Mar 9, 2020 6:48:23 AM

Rain Photography: Protecting Your Camera in Rain

Rain Photography: Protecting Your Camera in RainSource: Shutterstock Royalty-free stock photo ID: 1095459860

NOTE: This article is specifically about protecting your gear from rain and is not applicable to underwater photography. Underwater photography poses different kinds of risks and requires additional underwriting information to insure. If you do any photography underwater (or at the surface of water), contact us to discuss your insurance coverage options.

How to protect a camera and lens from rain?

Insurance claims do occasionally arise from cameras being damaged by rain, so let’s review some best practices to prevent rain-related damage to your photography gear. Professional cameras are expensive, and you don’t want to risk ruining yours in a single photoshoot.

Use a camera rain cover / rain sleeve; these are generally inexpensive. Some well-known brands include Zacro, OP/TECH and Movo [Affiliate Links]. You can find waterproof camera cases, lens hoods and custom rain covers.

How to weather seal a camera?

Weather sealing a camera refers to having rubber gaskets in the seams to keep water from the camera’s internals. But if the lens doesn't have weather sealing also, water can still enter into the camera through the lens mount. Therefore, make sure to keep the lens mount dry.

Many cameras are already weather sealed, but don’t assume that your camera is necessarily sealed just because it’s a new model. Be sure to check with the camera manufacturer to verify.

If your camera isn’t weather sealed and you still want to risk shooting in the rain, consider getting a camera condom – yes, that’s a thing! A camera condom (or skin camera protector) is a rubbery skin for point-and-shoot cameras, similar to the cases that have been protecting iPods and iPhones for years. Well-known brands selling these include Delkin and Polaroid. [Affiliate Links]

But, ideally, if you're really into shooting in rainy conditions, get a sealed camera body and lenses.

Backpack rain covers / waterproof backpack covers & waterproof backpacks / waterproof camera bags & camera cases

If you’re out in the rain with your photography gear in your backpack or camera bag – but that backpack or bag isn’t waterproofed or properly covered – you could damage your gear, so consider a backpack rain cover, waterproof backpack or waterproof camera bag.

Some well-known backpack rain cover brands include MOOCY and Kerxinma. [Affiliate Links]

Some well-known waterproof backpack brands include NEEWER and Endurax. [Affiliate Links]

In terms of camera bags: the Peak Design Everyday Messenger Bag [Affiliate Link] has a waterproof galaxy foam bottom liner and was recommended by notable product review website Wirecutter. The waterproof Tenba Cooper 13 Slim [Affiliate Link] was also recommended by Wirecutter.

For added protection, consider wrapping your photography gear in padded equipment wraps before placing it inside any backpack. Some brands in this space are Ruggard and Ape Case. [Affiliate Links]

Keep a microfiber cloth in your bag/backpack to wipe down your photography gear, if necessary. Some of these clothes are designed specifically for cleaning lenses, such as the Nikon 8072 Microfiber Cleaning Cloth and the MagicFiber Microfiber Cleaning Cloth [Affiliate Links].

Some Rain Pictures / Rain Images / Rain Photos / Water Drop Images

Water drop Rain Photography

Water drop.

Source: Shutterstock Royalty-free stock photo ID: 402271438

 

Rain drops falling from a black umbrella

Rain drops falling from a black umbrella concept for bad weather, winter or protection.

Source: Shutterstock Royalty-free stock photo ID: 323261750

 

Pug dog wearing orange raincoat Rain Photography

Funny pug dog wearing orange raincoat in raining day.

Source: Shutterstock Royalty-free stock photo ID: 660076444

 

Drops Of Rain On Blue Glass Bokeh Rain Photography

Drops Of Rain On Blue Glass Background. Street Bokeh Lights Out Of Focus. Autumn Abstract Backdrop.

Source: Shutterstock Royalty-free stock photo ID: 211412020

Get Photography Insurance | CAMERA INSURANCE | PHOTOGRAPHY EQUIPMENT INSURANCE

Front Row’s photography insurance policy is a good option for insuring your photo gear. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. You can get a quote, purchase a policy, or read more about the coverages available here: https://photographer.frontrowinsurance.com/

NOTE: This article is specifically about protecting your gear from rain and is not applicable to underwater photography. Underwater photography poses different kinds of risks and requires additional underwriting information to insure. If you do any photography underwater (or at the surface of water), contact us to discuss your insurance coverage options.

Refer a Friend to Front Row Insurance

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

 

Related posts:

5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM

PHOTOGRAPHY INSURANCE: THEFT FROM VEHICLE

HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?

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.

Amazon Associates Disclosure: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post may contain affiliate links. There is no additional cost to you.

Citations:

Topics: Camera Insurance, photography insurance

Fire, Flood, Injury: Infamous Stage Disasters & Insurance Considerations

Posted by Grant Patten on Mar 4, 2020 10:13:39 AM

Fire, Flood, Injury: Infamous Stage Disasters & Insurance Considerations

Infamous Stage Disasters - National TheatreLondon’s National Theatre | Shutterstock Royalty-free stock photo ID: 1164426331.

This post reviews some infamous theatrical stage disasters that have happened over the years. We cannot guarantee that any of these disasters would have necessarily been covered under any insurance claim (coverage decisions are ultimately up to the insurance company), but it is nonetheless instructive to consider what has gone wrong during past live productions – and how insurance might have been helpful – especially if you work in the theatre world.

Globe Theatre fire – London, 1613

In 1613, the Globe Theatre in London burnt to the ground. This was the theatre where most of Shakespeare’s plays debuted, including The Tempest.

How did it happen?

A theatrical cannon – set off during a performance of All is True/Henry VIII – misfired, igniting the wooden beams and roof. There were no reports of any injuries.

A year later the theatre was rebuilt, only to be eventually demolished by the Puritans on ideological grounds.

Iroquois Theatre fire – Chicago, 1903

This tragedy was the deadliest theatre fire and the deadliest single-building fire in US history, resulting in at least 602 deaths.

How did it happen?

During a matinee of the musical Mr. Blue Beard, sparks from an arc light ignited a curtain, probably as a result of an electrical short circuit. The fire spread quickly from there and those in the crowded theatre began to panic and flee, but this resulted in a human stampede of sorts, and many weren’t able to get out alive.

Way Upstream flood – London, 1982

During a rehearsal of the play Way Upstream – which is set on a cabin cruiser boat on an English river – at London’s National Theatre in 1982, the water tank simulating the river burst. This flooded the National Theatre.

How did it happen?

The National had constructed a 6,000-gallon tank to hold the boat; the tank eventually split and deluged the stage machinery. The boat had been weighed down by a dozen people, half of them stage crew, at the time of the flood.

Mamma Mia! hair dryer slip – London, 2014

During a performance of Mamma Mia! in London, actress Kim Ismay (who plays Tanya) once swung a hair dryer around by its cable mid-song (as she does every night) only for the cable to snap and the hair dryer to hit an audience member in the face!

The audience member was given champagne during the interval to apologize for the accident. A nice touch, certainly – but not likely to be adequate if the patron still decides to sue.

Our SOLO Theatrical Insurance program includes General Liability. This coverage is designed to protect against all sums that the insured shall become legally obligated to pay for bodily injury, property damage or personal injury to third parties arising out of the operations of the insured production. It includes the cost of a lawyer to defend you.

Consider Front Row Theatre Insurance | Performing Arts Insurance | Liability Insurance for Theatre Production Companies

Get a theatre insurance quote from Front Row in just 2 minutes: https://stagelive.frontrowinsurance.com/

Offering a simple and quick solution, our SOLO Theatrical Insurance program can be purchased online with a credit card in six minutes and can include the following coverage for up to 4-weeks with no minimum premium:

Refer a Friend to Front Row Insurance

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

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.

 

Citations:

Topics: Theatre Insurance

I’m just starting out in my photography business; do I need insurance?

Posted by David McLeish on Feb 27, 2020 11:57:51 AM

I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?

PHOTOGRAPHY BUSINESS INSURANCEShutterstock Royalty-free stock photo ID: 445094317

You might not expect to hear this from an insurance broker, but if you’re wondering whether you need insurance – maybe you don’t!

Many photographers, and most professional photographers, don’t need to wonder: they know, because they are told they must carry insurance. If you apply for a permit to shoot at a Provincial Park or rent gear from a rental house, they won’t issue your permit or release the gear until you provide proof of insurance. In these instances, insurance is a necessity.

If no one is requiring you to carry insurance, but you still think it would be prudent to have, below are some things to consider when deciding whether you need insurance.

What are your total assets?

Insurance is intended to protect you from catastrophic losses. A catastrophic loss is one that you couldn’t possibly recover from without insurance. If your total assets are a camera body and two lenses that altogether cost about $3,000 CAD, replacing them after a theft might be difficult, even painful, but not impossible—not catastrophic. You wouldn’t have to declare bankruptcy, for instance. If you can’t pay for their replacement out of pocket, maybe you put the purchase on a credit card and pay it off over the course of a few months. The interest payments would likely still be less than what you would pay in insurance premiums.

Once you start amassing some serious gear, however, you’ll need to start thinking about insurance. You probably don’t want to carry a $10K balance on a credit card. Perhaps you don’t have a credit card with a $10K limit. At a certain point, the cost of replacing all your assets becomes “catastrophic”. Knowing the replacement cost value of your total assets – and the impact that a worst-case-scenario would have on you or your business – will help you decide when (or at what point) you need insurance.

What are your liability exposures?

The idea of a “catastrophic loss” comes into sharper focus when talking about liability. Here, the values are not in the thousands but in the hundreds of thousands or even millions. Very few people can put a million dollars on a credit card.

If you injure someone with your car, your car insurance pays the damages. If you injure someone as a private citizen and they sue you for negligence, your home insurance may cover damages the courts award against you. But, what if you injure someone while you’re working? You’re not in a car, and your home insurance likely excludes claims arising from “business activities” (note: home insurance policies don’t distinguish between fledgling businesses vs. established businesses—if you’re getting paid to be there, you’re a business).

Liability coverage for your business activities may be obtained through Commercial General Liability (CGL).  If you work in or with the public, or in places where you could conceivably cause bodily injury or property damage to third parties, you have a liability exposure and should consider getting CGL.

What are the deductibles?

Almost every insurance policy has a deductible. A typical commercial property deductible is around $500 to $1,000. A deductible is an amount you’re responsible for paying (for repairs or replacements) before the insurance policy will respond.

Maybe your worst-case-scenario is having your gear stolen while you’re backpacking in Thailand, and you’d be out $5,000. The insurance policy initially costs $500, and the deductible is $1,000. In the event of a total loss, the insurance policy would only save you out-of-pocket costs of $3,500 ($5,000 less the $1,000 deductible, less the $500 premium). Maybe you’d still consider that “catastrophic” and worthwhile insuring. At least: if you know going in what the deductibles are, you won’t be surprised by the actual expense of replacing your gear.

Remember that insurance is intended to cover catastrophic losses. Deductibles are related to this original intent. An insurance company is not a maintenance service you hire to fix every little dent and scratch. Insurance companies do not want to be involved in thousands of small claims, so they impose deductibles to limit the number of claims they have to handle. Check the deductibles before you buy a policy, and think about the deductibles when you are deciding whether or not you need insurance.

What do you expect to get from your insurance?

The biggest misconception people have about insurance comes from the idea of “getting your money’s worth”.  If you think insurance is something that will save you money, or that you should come out ahead of the insurance company, you’re treating insurance like a coupon or a slot machine. Insurance is neither a coupon nor a slot machine!

Don’t pay for insurance expecting huge savings and big winnings. That’s not the point. Insurance is about transferring risk. If a risk to you is so great that it would prevent you from doing what you need to do to grow your business, then you should transfer that risk to an insurance company. Insurance is, essentially, a facilitator of business. It enables people to take certain business risks that – if left to their own devices – they would likely not take, for fear of the consequences.

There are many reasons to get insurance. “Buy as much insurance as you can afford!” is the common refrain from insurance brokerages. But it is also important to understand what insurance is for and how it can work for you, at whatever stage in your career you happen to be.

Consider photography insurance | photography equipment insurance | photography business insurance | photographer liability insurance

So, is insurance right for you? After reading this post, if you think the answer is yes, Front Row’s photography insurance policy is certainly a good option. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. In case a claim does occur, you can work with your broker to resolve the claim and get compensated for covered losses as quickly as possible.

REFER A FRIEND TO FRONT ROW INSURANCE

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

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.

 

RELATED POSTS:

5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM

PHOTO INSURANCE CLAIMS

THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED

Topics: photography insurance

I am renting a car (in Canada) for my production – what do I need?

Posted by Diane Konecny on Feb 20, 2020 9:03:02 AM

I am renting a car (in canada) for my production – what do I need?

Car in film production

Some of the most common questions we get from clients are about vehicles:

  • What coverage do I need? 
  • Do I need to buy anything from the rental company?
  • Can a 20-year-old production assistant (PA) drive the car(s)?

Well, here is what you need to know about renting vehicles when shooting a production in Canada. We will break it down into two sections to explain the basics.

1. DAMAGE to a car you are renting or are contractually required to provide coverage for while being used on production: 

The production policies we provide include coverage if you damage a vehicle while contracted by production. With most insurers, it is called Commercial Vehicle Physical Damage (CVPD)The coverage will have a limit per vehicle, so make sure that if you are renting expensive cars, your limit is high enough to cover any damage that can occur. You will also have to check the Aggregate, which is the most the policy will pay for any one occurrence (in case you damage multiple cars in one accident) and your deductible (the amount you need to pay for the damage before the insurance kicks in). Most policies will set the deductible as a percentage of the damage; for example, 10% with a minimum and maximum amount.

Your rental company will offer you a Collision or Loss Damage Waiver (CDW/ LDW) when renting a vehicle. Typically, these are about $20-$30 per vehicle/day. The CDW/LDW provides coverage for damage to the vehicle. There is no need to purchase this if you have our policies, which include the CVPD coverage. A bit of savings for your budget! However, if you are renting a couple of vehicles for a short period of time and you aren’t so sure about your crew’s driving skills, you may choose to get this coverage from the rental company because the deductible is usually a lower amount. 

NOTE: NOT ALL POLICIES PROVIDED BY OTHER BROKERS WILL INCLUDE THIS COVERAGE. YOU NEED TO CHECK YOUR POLICY TO MAKE SURE YOU HAVE WHAT YOU NEED, OR CONTACT FRONT ROW AND WE CAN OBTAIN PROPER COVERAGE FOR YOU.

2. AUTO LIABILITY covers damage to property or injury to other parties:

Auto liability is the portion of the policy which is regulated by the government and, to make it more complicated, it is individually regulated by each province/territory. Below is a basic breakdown by province.

Will I need to budget for an Auto Liability policy for MY production?

Province:

Coverage provided by:

Do I need to buy Auto Liability?

Newfoundland

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Nova Scotia

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

PEI

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

New Brunswick

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Quebec

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Ontario

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Manitoba

Government

No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.

Saskatchewan

Government

No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.

Alberta

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

BC

Government

No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.

NWT

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Yukon

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Nunavut

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

The above-mentioned coverage outline is meant for informational purposes only and does not represent advice on coverages required. Contact us if you have a specific need or question.

Auto liability is not an option; it needs to be in place for every car driven on public roads. Make sure you have the right coverage for your location and situation so production doesn’t get a ticket, or worse, be held responsible for injury to someone or damage to property.

Hired an intern or co-op student and want them to run errands in your rental car? Is that allowed?

Well, for once it’s not us being the careful ones! You will need to contact your rental company as many will have an age restriction on drivers. Some will restrict it to 21 or 25 years old, so make sure whoever is driving is actually allowed to, as it can nullify your coverage if they aren’t.

Have more questions about auto coverage? Feel free to give any of our Front Row offices a call!

REFER A FRIEND TO FRONT ROW INSURANCE

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

RELATED POSTS:

FILM PRODUCTION COMPANIES AND CAMERA CARS: REDUCING THE RISK

FILM PRODUCTION INSURANCE AND RENTING CREW PERSONAL VEHICLES

AUTOMOBILE INSURANCE FOR FILMS

Topics: Entertainment Insurance, Film Production, Film Production Vehicle Insurance, non-owned auto insurance, automobile insurance for films, Intern Rights

Announcement on New Hire Leanne Savoie – David Hamilton CEO

Posted by David Hamilton on Feb 19, 2020 6:30:31 AM

Announcement – David Hamilton CEO

LEANNE SAVOIE

Leanne Savoie

Front Row is pleased to announce Leanne Hussey Savoie has joined the Vancouver office as a Vice President effective February 18, 2020.

Leanne obtained her license as a Registered Insurance Broker in Ontario in 1990, attained her Canadian Accredited Insurance Broker designation in 1995 and her Chartered Insurance Professional designation in 2006. Before joining Front Row, she worked at HUB International for ~2 years as an Entertainment Account Manager focusing on Film, TV & Multimedia insurance risks.

Leanne also worked at Aon/Ruben-Winkler for 10 years, alongside Darlene, specializing in Entertainment Insurance and at First Durham Insurance & Financial for 4 years as a Commercial Lines Account Executive.

Leanne’s staff page

Leanne will report to Meghan Stickney. She can be reached at: Leanne@frontrowinsurance.com
Please join me in welcoming Leanne to the Front Row crew!

David Hamilton
CEO

Announcement on New Hire Alyson Forster – David Hamilton CEO

Posted by David Hamilton on Feb 14, 2020 6:14:22 AM

Announcement – David Hamilton CEO

Alyson Forster

Alyson Forster

Front Row is pleased to announce Alyson Forster has joined our LA office as an account executive.

Alyson is an experienced broker (California property & casualty license). She worked at American Entertainment Insurance Services for ~2 years before joining Front Row. She specialized in: short shoots, events and DICE clients.

Alyson is gifted at connecting with entertainment clients: she is knowledgeable about production and passionate about film and TV. She is service-oriented and quality-focused with a demonstrated history of success.

Alyson’s staff page

We’re confident that Alyson will add a lot of value to the Front Row Insurance team and we look forward to her contributions. Please join me in welcoming her to our crew!