This coverage is generally purchased prior to commencement of any filming or production activity for the project. Although this is not a typical coverage selection, many times you can find such coverage under a professional lines type of policy such as Errors and Omissions or Directors and Officers Insurance. The need or desire to bind this type of coverage has been highlighted over the past few years due to the malfeasance of many film production executives and network heads. Although we would rather not think about such pathetic behavior, the fact remains that the problem is real and the problem needs to be addressed and remedied. Until the problem is dealt with and the sickos are removed, you may need to think about adding this type of coverage to your film production portfolio.