Protects the assets of the production company during their film shoots. This Production Insurance type includes the bodily injury and property damage type coverages, generally speaking. If your production will be located in a public park you will certainly be required to carry this coverage. Some private locations such as large homes or plots of land will most likely require General Liability Insurance as well. Usually DICE risks that require D.I.C.E. Insurance will be rated based on the total annual production costs of the firm.

You are required by law to carry workers compensation insurance for your production if you have employees. One of the biggest issues we find as an agency is when production companies hire subcontractors for help but they do so without really outlining the relationship to the subcontractor. The issue presents itself when/if the subcontractor injures themselves and they come to the production company expecting their medical bills and loss of income will be paid. Make sure that your subcontractor knows that they will be 1099’d at the end of the year and also make sure they know they are not an employee. A best practice is to have your subcontractors invoice for the production company for their work done while also providing the production company with a certificate of insurance. Check out a short blip on a recently passed law in California regarding this specific issue. What is California Assembly Bill 5 (AB5)?

The usual work of production companies does involve travel. Typically this is done in an automobile, in most circumstances. Whether you are driving to the shooting location, using a vehicle in a production, or simply running to get donuts for the crew, you need Business Auto Insurance, whether or not you own the vehicle being used in the work. Traffic accidents are far too common, happening at least 35,000 times per year in this country. When a vehicle accident happens there are many items to consider: Did the accident cause injury to some body or their vehicle? Who was at fault? Without this coverage your business’ assets could be in jeopardy. If you personally own your car but you have the vehicle scheduled under a Business Auto Insurance Policy, coverage could be in question. On the other side of the coin it is important that you check with your agent (or contact us) to see what automobile coverage is best for you and your business.

Think about this situation for a moment; You have promised your crew donuts and coffee before the start of photography tomorrow. You are running late because of obvious insurance issues with your ‘other’ agent :). So, you ask your 74 year old mom to pick up the donuts and coffee at Dunkin’ and take them over to the set. Well, your mom causes a major car accident in the process and she was at fault in some pretty significant bodily injury and property damage. If you did NOT purchase this HNOA (hired and non owned auto coverage), you could be in a pretty serious situation. It may be not a donut run, but it could be a situation where you are scouting locations in your personal vehicle. Take a look at this claim example here. We do our best to include this coverage on all of our quotes. Keeping in mind this coverage can sometimes be upwards of $385.00 on the low end.

If you are renting a vehicle, borrowing a vehicle, or using your personally owned vehicle for your production or event what happens if you wreck the vehicle? We know that hired and non-owned auto insurance only applies to the liability that you pose to others, so how does your hired/borrowed vehicle’s damage get fixed? The only way to get the damage fixed on a hired or borrowed vehicle is by purchasing the Hired Car Physical Damage Coverage.

Cast Insurance or Cast extra expense coverage is an option for most all production programs. These options include blanket coverage with sickness (no medicals required), blanket coverage without sickness, and family bereavement. To put it simply if you have a cast member that becomes ill and cannot make it to the shoot that day, this coverage will activate and pay the production company for expenses surrounding the cast member not being able to perform their duties.

Our team at Kelly Insurance can provide coverage for Stunts, Gun Blanks, Fight Scenes, and most any other choreographed production activity. This coverage can be applied for both DICE Productions that need Stunt Coverage but also this Stunt Man Coverage can be applied to Short Term Productions. Our agency has recently expanded its spectrum of eligible productions that involve stunts. We can provide insurance for pyrotechnics during an event or production, demolitions during film shoots or contracting work, explosions for stunt sequence, and not to mention car races/scenes along with motorcycle chases have all been added to our portfolio of eligible stunts. As always we have been able to also provide insurance for fight shots, stunt falls from buildings, the use of blanks, hot air balloon projects

This coverage can sometimes be abbreviated as TPPD. Third Party Property Damage Coverage for Events and Productions is insurance that covers others peoples’ property (real property location) while it is in the care,custody, and control of the Production Company or Event. TPPD Insurance is location specific and you should scout your locations with this in mind as you may be required to purchase this insurance. Third Party Property Damage for Productions or Events also has varying coverage limits that can drastically increase your total premium depending on the size of the production budget.