FEATURE FILM INSURANCE
BUILT FOR EVERY BUDGET, GENRE, AND RISK
Specialty coverage for productions of every size — from $50K micro-budget indies to $20M studio features. Production package policies, E&O, workers comp, equipment, drone, stunts, pyrotechnics, and same-day certificates placed through carriers that actually want film business.
- INDEPENDENT & STUDIO FEATURES
- SAG ULTRA LOW, MOD LOW, LOW BUDGET
- DOCUMENTARY & DOC SERIES
- STUNTS, PYRO, WEAPONS, AERIAL
- STREAMING-DELIVERY READY
- SAME-DAY CERTIFICATES OF INSURANCE
- HARD-TO-PLACE & DECLINED RISKS
- UNION & SIGNATORY-READY COVERAGE
FILM INSURANCE THAT ACTUALLY UNDERSTANDS THE WORK
Generalist agencies don’t write feature films. They write event policies and call them “production coverage.” We work the specialty markets that underwrite real motion picture exposures every day.
A feature film is not a special event with a camera. It’s a multi-week operation involving cast under contract, third-party locations, rented six-figure equipment packages, hired crew, vehicles, drones, stunts, weapons, post-production deliverables, and distribution chain-of-title exposures. Each of those is a separate insurance line.
We place coordinated entertainment production insurance programs for productions that don’t fit the off-the-shelf templates. That includes first-time producers, micro-budget indies, productions with declined risks, foreign locations, complex stunt sequences, and high-value equipment packages.
Whether you need a project-specific feature film policy, an annual DICE producer policy, distribution-required film E&O coverage, or a same-day certificate for a permit deadline tomorrow — we structure the program around the production, not the other way around.
EVERY POLICY LINE A FEATURE FILM ACTUALLY NEEDS
A complete feature film insurance program is a coordinated stack of nine to twelve coverage components. Below is the full architecture — each line can be included, scaled, or removed based on the production.
PRODUCTION PACKAGE
The core motion picture package — general liability, third-party property damage, cast, equipment, props, sets, wardrobe, extra expense, and negative/media in one coordinated policy.
GENERAL LIABILITY
Third-party bodily injury and property damage at every shoot location. The line that satisfies permits, locations, and additional insured requirements.
ERRORS & OMISSIONS
Distribution-grade E&O for copyright, trademark, defamation, privacy, title, and clearance claims. Required by streamers, broadcasters, and theatrical distributors.
RENTED & OWNED EQUIPMENT
Cameras, lenses, lighting, grip, audio, and Steadicam — covered while in your care, custody, and control. Required by every rental house.
CAST INSURANCE
Extra expense if a covered cast member can’t perform due to illness, injury, or death. Often required by financiers, completion bond providers, and SAG signatories.
WORKERS COMPENSATION
Statutory coverage for cast and crew injuries. Required by SAG-AFTRA agreements, state law, and most location and equipment contracts.
HIRED & NON-OWNED AUTO
Liability for vehicles rented or driven by crew on production business — including picture cars, production vans, transport trucks, and personal vehicles used for production.
STUNTS, PYRO & WEAPONS
Underwritten separately based on stunt coordinator credentials, weapons handler licensing, scene complexity, and pyrotechnician certifications.
DRONE & AERIAL
FAA Part 107 commercial drone hull and liability, helicopter aerial cinematography, and fixed-wing camera platforms — written per shoot or annually.
EXTRA EXPENSE / SHUTDOWN
Costs to keep the production running after a covered loss — reshoots, location changes, equipment replacement, and crew overtime to stay on schedule.
NEGATIVE & FAULTY STOCK
Coverage for damaged or lost recorded media, faulty stock, and post-production loss before delivery — from raw footage to final master.
UMBRELLA / EXCESS
Excess limits over the production package and auto policies — required when distributors, locations, studios, or financiers demand $5M, $10M, or $20M+ towers.
FROM $50K MICRO-BUDGETS TO $20M+ STUDIO FEATURES
We write across the full budget spectrum. Each tier has its own carrier appetite, premium structure, and required coverage stack.
INDIE FEATURE
Grant-funded and crowdfunded indie features with full crew.
EXPLORE →MID-BUDGET
Independent features with name talent and theatrical/streamer aim.
EXPLORE →STUDIO TIER
Full studio-grade programs with completion bonds and excess towers.
EXPLORE →EVERY SPECIALTY PAGE IN THE CLUSTER
Dedicated coverage pages organized by budget, persona, project type, specialty risk, compliance line, and urgency. Each one drills into the underwriting, pricing, and carrier appetite for that exposure.
LOW BUDGET FILM INSURANCE
Coverage for micro-budget, indie, and SAG Ultra Low / Mod Low / Low Budget Project signatory features.
EXPLORE COVERAGEPRICINGFILM PRODUCTION INSURANCE COST
Premiums by budget tier, shoot length, risk class, and crew size — plus the underwriting factors that move pricing.
SEE PRICINGPERSONAINDEPENDENT FILM PRODUCER INSURANCE
Producer liability, professional indemnity, and personal asset protection for indie and first-time producers.
PRODUCER COVERAGESUBGENREDOCUMENTARY FILM PRODUCTION INSURANCE
Documentary-specific risks — fair use, archival footage, subject releases, defamation, and streamer delivery requirements.
DOCUMENTARY COVERAGEPROJECT TYPESHORT FILM INSURANCE COVERAGE
Short-form, festival, thesis, and student film coverage — including one-day, weekend, and proof-of-concept policies.
SHORT FILM COVERAGEOPERATIONALFILM EQUIPMENT INSURANCE
Cameras, lenses, lighting, grip, and audio gear — owned or rented, in-transit, and at the rental house.
EQUIPMENT COVERAGESPECIALTY RISKSTUNT & PYROTECHNICS FILM INSURANCE
High fall stunts, car chases, fight scenes, fire effects, weapons, and pyro — placed where most brokers decline.
STUNT COVERAGESPECIALTY RISKDRONE & AERIAL FILMING INSURANCE
FAA Part 107 commercial drone hull and liability, helicopter aerial work, and fixed-wing camera platforms.
AERIAL COVERAGECOMPLIANCEFILM PRODUCTION WORKERS COMP
Statutory workers comp for film cast and crew — including SAG, multi-state, and short-term project coverage.
WORKERS COMPURGENCYSAME-DAY FILM CERTIFICATE
Need a COI for a permit or location agreement today? Same-day, rush-issue certificates of insurance for film production.
RUSH COIFOUNDATIONALFILM PRODUCTION LIABILITY INSURANCE
The foundational liability coverage that protects against on-set injuries, property damage, and third-party claims.
LIABILITY COVERAGEPACKAGEDICE INSURANCE FOR FILM PRODUCTIONS
Annual Documentary, Industrial, Commercial, and Educational policies for working producers and production companies.
DICE COVERAGECOMPLIANCEFILM PRODUCTION INSURANCE REQUIREMENTS
Permits, locations, studios, distributors, financiers, and unions — every requirement and what it actually means.
REQUIREMENTS GUIDEA SPECIALTY BROKER FOR THE HARD-TO-PLACE PRODUCTION
- 1
WE PLACE WHAT GENERALISTS DECLINE
Stunts, pyro, weapons, drones, foreign locations, first-time producers, declined risks — we have the carrier appetite to bind them.
- 2
SAME-DAY CERTIFICATES OF INSURANCE
When a permit or location agreement needs proof of coverage today, we issue rush COIs without waiting on standard underwriting timelines.
- 3
EVERY BUDGET TIER, EVERY GENRE
$50K micro-budgets to $20M+ studio features. Documentaries, narratives, music videos, web series, commercials — we write the full spectrum.
- 4
DISTRIBUTION-READY E&O
Errors and omissions placed to satisfy Netflix, Amazon, Hulu, Apple TV+, theatrical distributors, and broadcast network delivery requirements.
- 5
UNION & SIGNATORY READY
SAG-AFTRA, DGA, IATSE, and Teamsters requirements handled — including additional insureds, waiver of subrogation, and primary/non-contributory.
- 6
NO TEMPLATE QUOTES
Every program is built around the script, schedule, locations, crew, and risk profile — not pulled from a generic spreadsheet.
FROM INTAKE TO BOUND POLICY
A clear, four-step path from first call to certificate. Most low-and-medium-complexity productions move through the full process in 24–72 hours.
SUBMIT INTAKE
Complete the short-term film production intake form or call us with the script, schedule, and budget breakdown.
UNDERWRITE
We market the risk to specialty production carriers, identify the best fit, and negotiate terms on your behalf.
QUOTE & BIND
You review the quote, we walk through the structure, you bind, and the policy is in force on your effective date.
CERTIFICATES
Same-day COIs to locations, equipment houses, financiers, and signatory unions — including additional insureds.
THE QUESTIONS EVERY PRODUCER ASKS
WHAT IS FEATURE FILM INSURANCE?
HOW MUCH DOES FEATURE FILM INSURANCE COST?
WHAT INSURANCE DOES A FEATURE FILM ACTUALLY NEED?
CAN YOU GET FILM INSURANCE THE SAME DAY?
WHAT’S THE DIFFERENCE BETWEEN A DICE POLICY AND A FEATURE FILM POLICY?
DO I NEED ERRORS & OMISSIONS COVERAGE?
DOES FILM INSURANCE COVER STUNTS, PYRO, OR WEAPONS?
WHAT IS A COMPLETION BOND AND DO I NEED ONE?
DO STREAMERS LIKE NETFLIX, AMAZON, AND APPLE TV+ HAVE SPECIFIC INSURANCE REQUIREMENTS?
YOUR PRODUCTION DOESN’T WAIT. NEITHER DO WE.
From a $50K weekend shoot to a $20M studio feature with stunts and pyro, we structure feature film insurance programs that actually fit the work. Submit the short-term film production intake form and we’ll move on your quote today.
RELATED COVERAGE ACROSS THE PRODUCTION WORLD
Feature film is one part of a much bigger entertainment specialty practice. Below are the adjacent coverage pages that come up most often on film and TV productions.