Taylor & Taylor has the expertise you require when it comes to providing insurance protection for all of your film, digital or video production work; whether it be a television commercial production, motion picture feature length film, corporate video, director's reel, documentary, educational film, industrial, infomercial, instructional/training film, music video, pilot, short film, television series or television special.

Arranging insurance protection for your production is as essential as developing a script, organizing a crew, securing adequate locations and renting equipment. A well thought out insurance program will help to protect your production from the financial consequences of damage to or destruction of raw film or tape stock, exposed film or videotape; damages as a result of faulty stock, faulty cameras, faulty lenses or faulty processing; replacing stolen or damaged property as well as defending lawsuits. These are just a few examples of the types of losses that production insurance coverage can protect against.

If you are interested in obtaining a premium quotation, please complete one of the following applications:

Production Package Application for a blanket annual DICE policy covering all of your documentary, industrial commercial and educational work.

Miscellaneous Owned / Rented Equipment Application Please complete this application if you would like coverage for owned or rented camera, lighting and related equipment ONLY.

If you are interested in obtaining a premium quotation for a motion picture feature length film, pilot, television series or television special, please call us for the appropriate application.

 

The following list provides an introduction to some of the valuable coverages that are available.

PRODUCTION PACKAGE POLICY

Coverage basics:

Cast Insurance
Negative Film & Videotape
Faulty Stock, Camera & Processing
Props, Sets & Wardrobe including Jewelry, Furs, Fine Arts and Antiques
Miscellaneous Equipment
Extra Expense
Third Party Property Damage
Office Contents

Coverage Options:

Agency Reshoot (For commercials)
Animal Mortality
Civil Authority
Electronic Data Processing Hardware and Media
Employee Dishonesty
Essential Element Cast Coverage
Extra Expense Extension (Camera, Sound, Lighting & Generator Breakdown)
Loss of Use (lost rental income due to equipment downtime)
Monies & Securities
Non-Owned Aircraft Physical Damage
Non-Owned Watercraft Physical Damage
Off Premises Power Interruption
Resumption of Operations
Special Effects, Pyrotechnics or Stunts
Talent Cost (For commercials)
Weather Coverage (usually ten days advance notice is required)

COMMERCIAL GENERAL LIABILITY

Premises and Operations
Products and Completed Operations
Personal and Advertising Injury
Damage to Rented Premises
Employee Benefits Liability
Contractual Liability

BUSINESS AUTOMOBILE

Non-Owned & Hired Automobile coverage including:

  • Non-Owned & Hired Automobile Liability
  • Hired Automobile Physical Damage
  • Foreign Non-Owned & Hired Automobile Liability
  • Foreign Hired Automobile Physical Damage

Owned Automobile coverage including:

  • Business Automobile Liability
  • Statutory Personal Injury Protection
  • Additional Personal Injury Protection
  • Uninsured Motorist
  • Underinsured Motorist
  • Comprehensive
  • Collision
  • Rental Reimbursement
  • Towing & Labor
  • Drive Other Car Coverage (DOC)

Foreign Business Automobile Liability

EMPLOYMENT COVERAGES

Workers Compensation & Employers Liability
U.S. Longshoremen & Harbor Workers Act
Jones Act
Voluntary Compensation
Statutory Disability Benefit Income Coverage (Mandatory in NY, CA, NJ, RI, HI & Puerto Rico)
Foreign Workers Compensation

CRIME INSURANCE

Employee Dishonesty including:

  • Blanket coverage for all employees
  • Blanket coverage for a specific class of employee (Ex: Accounting Personnel)

ERISA compliance for pension plans
Monies & Securities
Depositor's Forgery

LIABILITY PROTECTION

Contractual Hold Harmless Agreements
Directors & Officers Liability
Employment Practices Liability
Errors & Omissions Liability
Fiduciary Liability
Foreign Commercial General Liability
Non-Owned Aviation Liability
Non-Owned & Hired Watercraft Liability
Railroad Protective Liability
Umbrella Liability
Foreign Commercial General Liability
Foreign Non-Owned & Hired Automobile Liability
Foreign Hired Automobile Physical Damage
Foreign Business Automobile Liability
Pollution Liability

MISCELLANEOUS

Contractual Hold Harmless Agreements
Guild Travel Accident Requirements
Indemnification Agreements
Political Risk & Confiscation
Patent Infringement Benefits

Agency Reshoot Expenses

Covers the agency travel expenses originally paid for by the advertising agency to return to the location as a result of a Negative Film and Videotape, Faulty Stock, Camera or Processing loss. (For commercials only)

Animal Mortality

Covers animal mortality caused by an accident only. For sickness coverage, a veterinary certificate is required. Coverage for loss of use is also available by endorsement.

Cast Coverage

Covers the extra expenses due to accident or sickness or both to named persons. Coverage can be extended to cover the pre-production period. A medical examination is usually required to obtain sickness coverage and coverage is provided for a limited period of time.

Civil Authority

Covers such loss not including loss of earnings or profit, sustained by reason of such extra expense necessarily incurred in the event of interruption, postponement or cancellation of a declared production as a direct and sole result of the action of a civil authority that prohibits access to the property or facilities contracted to be used in connection with such production and occurring during the policy period.

Commercial General Liability

Provides coverage for bodily injury and property damage to third parties as a result of your negligent actions. In the event there is no negligence on the part of the film production company there is a medical expense limit that will be available on a gratuitous basis.

Director Cast Coverage

Covers the expenses to abandon the production, the expenses associated with a delayed completion of the production or extra expense to hire another director, whichever is less, as a result of accidental injury to the director during the filming of a production.

Employee Dishonesty

Covers property, money or securities stolen by one or more employee. Most
property policies exclude theft by employees.

ERISA

Covers your statutory obligation for any profit sharing or pension plans you may have.

Errors & Omissions Liability

Protection for libel, slander, defamation, infringement of copyright or trademark, unauthorized use of titles, formats, ideas, characters, plots and invasion or infringement of or interference with the right of privacy or publicity resulting from a production.

Essential Element Cast Coverage

Provides the production company with the right to abandon a production should the essential element cast participant or other personnel deemed "key" or essential become unable to complete the production due to death, injury or illness. Essential Element covers production related costs that were spent prior to the abandonment of the project.

Extra Expense

Covers those expenses incurred above and beyond what would have otherwise been incurred as a result of direct damage to property being used in the production. Please note that there are many exclusions in this section. For example changes of temperature, dampness of atmosphere, damage to property stored in the open, loss of use of animals, breakage of glass or fragile materials and mechanical breakdown of other than cameras, sound equipment and generators; providing this endorsement has been added.

Extra Expense Extension

As respects portable generators, camera equipment or sound equipment, provided they were fully tested and proven to be in good working condition prior to being used, the exclusions of mechanical breakdown, short circuit or other electrical injury, disturbance or failure, whether due to external or internal causes shall not apply.

Faulty Stock, Camera & Processing Errors

Covers the actual cost to reshoot the film as a result of bad film, camera malfunction or lab errors. There is no coverage for weather days during the reshoot.

Foreign Voluntary Workers Compensation

Covers an employee who suffers injury or sickness which is job related and who has been brought from one foreign country to another. It is important to note that the domestic workers compensation policy will cover U.S. employees while in a foreign country for a short time. In the event the U.S. employee is stationed in a foreign country for other than a short time, foreign workers compensation should be obtained. Foreign coverage should be purchased to provide a repatriation and endemic disease benefit.

Foreign Commercial General Liability

Is recommended anytime you film outside of the United States, its Possessions and Territories and Canada.

Foreign Nonowned & Hired Automobile Liability and Physical Damage

Is recommended anytime you film outside of the United States, its Possessions and Territories and Canada.

Group Travel Accident

Covers a contractual obligation of different unions for an accidental death and dismemberment benefit. Coverage can be purchased for key directors and producers on a voluntary basis. If you are using a payroll service, it is important to verify that they have secured this coverage.

Hired Automobile Physical Damage

Protects against physical damage to hired automobiles.

Miscellaneous Equipment

Covers the actual equipment being used to film including cameras, lights, grip and generators. Please note, this coverage can be extended to include physical damage to production vehicles and automobiles. At the very least, the coverage should be extended to include camera cars and cranes. Owned equipment is also covered under this section.

Loss of use coverage for film or video rented equipment is provided in either the miscellaneous equipment or third party property damage section. The various entertainment insurance carriers include this coverage under different sections of their production policies.

Monies & Securities Inside & Outside

Covers theft of petty cash and cash used for productions. Coverage may be excluded unless cash is locked in a safe place while unattended.

Negative Film & Videotape

Covers the actual cost to reshoot the film as a result of fire, theft, water damage or lost film. There is no coverage for weather days during the reshoot.

Non-Appearance Cast Coverage

Covers the expenses due to the non-appearance of a named person. Coverage is broader than mere cast coverage and it can be extended to cover circumstances beyond the cast members control. Coverage is provided for a limited period of time and can be extended to cover the pre-production period.

Nonowned & Hired Aircraft Liability

Covers you for bodily injury or property damage claims arising from the use, loading or unloading of aircraft. Worldwide coverage can be purchased on the same policy. Excludes coverage for physical damage to the aircraft being used.

When using an aircraft, you should purchase nonowned aviation liability and name yourself as an additional insured on the aircraft's policy. In addition to purchasing your own coverage or sharing the coverage of the aircraft, you should obtain a hold harmless agreement for damage to the aircraft itself and a waiver of subrogation from the insurance carrier that insures the aircraft. In the event you are unable to secure the hold harmless agreement and waiver of subrogation, you should insure the aircraft for physical damage.

Nonowned & Hired Watercraft Liability

Covers you for bodily injury or property damage claims arising from the use, loading or unloading of watercraft. This coverage is usually purchased on a job by job basis. Therefore, you should be certain to purchase domestic or foreign coverage as needed. Excludes coverage for physical damage to the watercraft being used.

Nonowned & Hired Automobile Liability

Protects against claims resulting from the use, loading or unloading of nonowned and hired automobiles. Coverage is limited to the United States, its Possessions and Territories and Canada. Coverage excludes physical damage to the automobile being driven.

Office Contents

Covers desks, computers, telephones, furniture and improvements & betterments.

Off Premises Power Interruption

Covers extra expenses incurred due to the actual or potential impairment of your operations caused by or resulting from direct physical loss to property or personal property of a utility such as a water or power supply company.

Political Risk and Confiscation

Covers against costs due to political risk and confiscation of film and equipment due to foreign governments.

Props, Sets & Wardrobe

Covers props, sets & wardrobe used in a commercial. Jewelry, furs, fine arts, antiques and objects of art usually have a sublimit. Please note Props, Sets & Wardrobe coverage does not afford any animal mortality coverage. Animal mortality coverage can be added by endorsement.

Railroad Protective Liability

Covers you for bodily injury or property damage claims arising from the use of railroads. This coverage is usually purchased on a job by job basis. Therefore, you should make certain to purchase domestic or foreign coverage as needed. Excludes coverage for physical damage to the railroad being used.

Statutory Disability Benefits

Covers employees for a statutory amount in the event they get hurt or sick while off the job. This is mandatory coverage in New York, New Jersey, Rhode Island, Puerto Rico, Hawaii and California. If you are using a payroll service, it is important to verify that they have secured this coverage.

Talent Cost Endorsement

Covers the cost of talent which was originally paid for by the advertising agency in the event of a re-shoot caused by a Negative Film and Videotape, Faulty Stock, Camera or Processing loss. Please note, some companies are placing a $50,000 limit on this expense. (For commercials only.)

Third Party Property Damage

Covers that property not specifically covered under Negative, Film & Videotape, Props, Sets or Wardrobe, Miscellaneous Equipment or Office Contents that are in the insured's care, custody and control. This coverage usually applies to property being moved out of the way on the location and in many instances to the location itself.

Loss of use coverage for film or video rented equipment is provided in either the miscellaneous equipment or third party property damage section. The various entertainment insurance carriers include this coverage under different sections of their production policies.

Umbrella Liability

Provides bodily injury and property damage coverage over and above the commercial general liability limit, automobile liability and employers liability limits. It is important to note that the umbrella policy may require you to maintain specific minimum coverage limits on the underlying commercial general liability, automobile liability and employers liability policies.

Weather Insurance

Must be purchased at least ten days prior to the date for which coverage is desired. Covers those expenses incurred as a result of being unable to film as a result of a weather condition including rain, snow or wind depending on the peril you selected. Please note that the measurement of rain, snow or wind is usually the nearest weather station and not your actual shoot location. Arrangements can be made at your expense for an independent weather observer to record the measurements at your location if necessary.

Workers Compensation Coverage

Covers an employee for sickness or injury arising out of and in the course of employment. An employee is basically anyone under your direct supervision and control, regardless of the number of days worked for you, and regardless of whether or not you are withholding taxes.

This website provides a general summary of the insurance coverages that you should consider. It is interpretive only and is not intended to replace or supersede any of the terms and/or conditions of the policies comprising the insurance program. In case of specific interpretation of coverages, you need to refer to the actual policies. Please Note: You cannot contract for coverage by means of e-mail or by requesting information or coverage through this website. Coverage will only become effective after your account has received approval by the insurance company and a deposit premium is received in our office.