SPECIALTY COVERAGE FOR INDIE PRODUCTIONS

LOW BUDGET FILM INSURANCE THAT ACTUALLY MAKES THE SHOOT

From micro-budget shorts to sub-million-dollar features, we place coverage that fits the production — not the other way around. Same-day certificates, location-friendly limits, and underwriters who don't blink at small budgets.

START INTAKE FORM CALL 412-212-2800

BUILT FOR BUDGETS LIKE YOURS

UNDER $100K MICRO-BUDGET FEATURES
$100K – $500K INDIE PRODUCTIONS
$500K – $1M LOW-BUDGET FEATURES
SAG ULTRA LOW & MOD LOW PROJECTS
CROWDFUNDED & GRANT-FUNDED FILMS

SMALL BUDGET. REAL COVERAGE.

YOUR BUDGET IS TIGHT. YOUR INSURANCE SHOULDN'T BE.

Low-budget filmmakers get bounced from generalist brokers every day — too small, too risky, too inexperienced. We work the specialty markets that actually want indie business and place real production policies, not stripped-down event coverage in disguise.

Most "low budget film insurance" out there isn't film insurance at all. It's a general liability policy with the words "production" stapled on. That doesn't satisfy your location agreement, your equipment rental house, or your distributor.

We place legitimate production package policies — general liability, third-party property damage, equipment, props, sets, wardrobe, and extra expense — sized and priced for productions that can't afford to overpay or under-buy. Need a DICE producer policy for ongoing project work, or a one-off short-term policy for a single shoot? Both are on the table.

Whether you're shooting on weekends with a five-person crew or running a 14-day SAG Ultra Low Budget feature, the policy is built for what you're actually doing — including E&O coverage if you're heading toward distribution.

LOW BUDGET FILM INSURANCE FOR INDIE PRODUCTIONS

INDIE PRODUCTION COVERAGE

BUDGET TIERS WE WRITE

COVERAGE TIERED TO YOUR BUDGET

We don't force a one-size-fits-all premium on a five-figure shoot. Pricing scales with budget, shoot length, risk, and crew size.

TIER 01

MICRO BUDGET

UNDER $100K

Short-form features, proof-of-concepts, and self-funded indies. Minimum-premium production package policies.

TIER 02

INDIE FEATURE

$100K – $500K

Crowdfunded and grant-funded productions with full crew. Standard production package with cast and equipment.

TIER 03

LOW BUDGET

$500K – $1M

SAG Mod Low and Low Budget agreement productions. Full package plus E&O for distribution-bound features.

TIER 04

SAG ULTRA LOW

UP TO $250K

SAG-AFTRA Ultra Low Budget Project signatories. Tailored coverage that meets union and signatory requirements.

WHAT'S INSIDE THE POLICY

REAL PRODUCTION COVERAGE — NOT WATERED DOWN

Every component below can be included in a low-budget package. Coverage is selected based on what your production actually needs.

GENERAL LIABILITY

Third-party bodily injury and property damage at every shoot location and on set.

THIRD-PARTY PROPERTY DAMAGE

Damage to locations, rented spaces, and property in your care during the production.

RENTED EQUIPMENT

Cameras, lenses, lights, grip, audio gear — covered while in your care, custody, and control.

PROPS, SETS & WARDROBE

Damage to or loss of items used in front of the camera, including rented and built items.

CAST INSURANCE

Extra expense if a covered cast member is unable to perform due to illness, injury, or death.

EXTRA EXPENSE

Costs to keep production running after a covered loss — including reshoots and delays.

NEGATIVE / MEDIA

Loss of or damage to recorded footage and digital media before delivery.

HIRED & NON-OWNED AUTO

Liability coverage for vehicles rented or driven by crew on production business.

ERRORS & OMISSIONS

Distribution-required coverage for copyright, trademark, defamation, and clearance claims.

WHY INDIE PRODUCERS CALL KIG

A SPECIALTY BROKER FOR HARD-TO-PLACE FILMS

1

WE PLACE WHAT OTHERS DECLINE

First-time producers, micro-budget shoots, productions with stunts or weapons — we work the markets that say yes.
2

SAME-DAY CERTIFICATES

Need a COI for a permit deadline or location agreement today? We move fast when the shoot calendar doesn't wait.
3

MINIMUM-PREMIUM POLICIES

Real production package coverage at the lowest premium thresholds the carriers will write — not a stripped-down GL.
4

UNION & SIGNATORY READY

SAG Ultra Low, Mod Low, and Low Budget Project requirements handled — including additional insureds and waivers.
5

NO TEMPLATE QUOTES

Every policy is built around your script, schedule, locations, and crew — not a generic spreadsheet.

LOW BUDGET FILM INSURANCE FAQ

QUESTIONS WE GET WEEKLY

HOW MUCH DOES LOW BUDGET FILM INSURANCE COST?

For most micro and low-budget features, production package premiums start in the low four figures and scale up based on budget, shoot length, equipment values, and risk factors like stunts or pyrotechnics. Carriers have minimum premiums even for the smallest productions, so a $50,000 shoot and a $150,000 shoot may pay similar base rates. See our full film production insurance cost breakdown for tier-by-tier pricing.

CAN YOU GET FILM INSURANCE FOR A MICRO-BUDGET PRODUCTION?

Yes. Specialty production carriers write policies for shoots well under $100,000 in total budget. The key is working with a broker who places these regularly — generalist agencies often decline or quote sky-high because they don't have the right markets.

DO I NEED INSURANCE FOR A SELF-FUNDED INDIE FILM?

Almost always. Permits, locations, equipment rental houses, distributors, and SAG-AFTRA agreements all require proof of insurance. Even if no one is technically requiring it, a single on-set injury or location damage claim can wipe out your entire budget without coverage. Our film insurance requirements page walks through every common compliance trigger.

WHAT'S THE DIFFERENCE BETWEEN A DICE POLICY AND A FEATURE FILM POLICY?

A DICE policy is annual and covers Documentary, Industrial, Commercial, and Educational projects across the year. A feature film policy is project-specific and tailored to the shooting schedule, locations, and risks of one production. Most low-budget features need a project-specific policy.

HOW FAST CAN I GET A CERTIFICATE OF INSURANCE?

Often the same day, sometimes within hours, depending on the underwriting required. If the production is bound and the additional insured language is straightforward, certificates can be issued quickly. See our same-day certificate page for the full rapid-turnaround process.

DOES LOW BUDGET FILM INSURANCE COVER STUNTS OR WEAPONS?

It can, but those risks are underwritten separately and require additional information — stunt coordinator credentials, weapons handlers, fight choreographers, and detailed scene breakdowns. We place this every week and know what carriers need to bind it. See stunt and pyrotechnics film insurance for the full picture.

YOUR BUDGET IS SMALL. YOUR EXPOSURE ISN'T.

One on-set injury, one damaged location, one cast illness — and an uninsured production is over. Submit the short-term film production intake form and we'll have your quote moving today.

START INTAKE FORM CALL 412-212-2800

EXPLORE THE CLUSTER

THE COMPLETE FEATURE FILM INSURANCE LIBRARY

HUB PAGE

FEATURE FILM INSURANCE

The complete overview of feature film coverage — every spoke, every policy type, every budget tier.

→

PRICING FILM PRODUCTION INSURANCE COST PERSONA INDEPENDENT FILM PRODUCER INSURANCE SUBGENRE DOCUMENTARY FILM PRODUCTION INSURANCE PROJECT TYPE SHORT FILM INSURANCE COVERAGE OPERATIONAL FILM EQUIPMENT INSURANCE FOR PRODUCTIONS SPECIALTY RISK STUNT AND PYROTECHNICS FILM INSURANCE SPECIALTY RISK DRONE AND AERIAL FILMING INSURANCE COMPLIANCE FILM PRODUCTION WORKERS COMP INSURANCE URGENCY SAME DAY FILM INSURANCE CERTIFICATE FOUNDATIONAL FILM PRODUCTION LIABILITY INSURANCE PACKAGE DICE INSURANCE FOR FILM PRODUCTIONS COMPLIANCE FILM PRODUCTION INSURANCE REQUIREMENTS

RELATED COVERAGE & RESOURCES

FILM E&O INSURANCE DICE PRODUCER INSURANCE ENTERTAINMENT PRODUCTION INSURANCE DRONE INSURANCE CERTIFICATES OF INSURANCE FILM E&O FAQ SHORT TERM PRODUCTION INSURANCE CONTACT KIG