Production Insurance Coverage Options

Commercial General Liability coverage up to $6 million provides insurance protection for claims of bodily injury or property damage that may arise out of your film production activities. Often, this coverage is required prior to filming by a location, city or state that requires film permits. Limits start at $1M/$2M. For higher limits, see the Excess Liability section.

Products/Completed Operations

$1,000,000 of Products/Completed Operations coverage is included. Optional limits of up to $2,000,000 are also available.

Damage to Rented Premises

$100,000 of Damage to Premises coverage is included. Optional limits of up to $1,000,000 are also available.

Medical Expense

Medical Payments coverage pays reasonable medical expenses for each person who is injured, up to the specified limit, without consideration of who is at fault. Medical Payments coverage often helps avoid lawsuits. Your liability policy comes with $5,000 of medical payments. You can increase this coverage up to $10,000.

Railroad Contractual Liability

This option extends the Commercial General Liability insurance to include coverage for photo shoots on railroad owned property.

Accidental Death & Dismemberment (AD&D) and Accidental Medical Expense (AME) coverage, with limits up to $50,000, pays the costs of an injured person's medical expenses up to the limit. With this coverage there is no consideration of who is at fault.

Film productions are presented with all sorts of risks on a daily basis. Protect your production with CSPI's Film Production Insurance offering multiple optional property coverages. From office equipment to animal coverage and more, tailor your policy exactly to your needs in our do-it-yourself online quoting system.

Miscellaneous Equipment

Provides insurance coverage for the value of personal property, including but not limited to cameras, camera equipment, sound and lighting equipment, portable electrical equipment, mechanical effects equipment, grip equipment, trailers and non-owned vehicles, not including loss of use, owned by you or which is the property of others used by you and for which you are legally liable and which is lost, damaged or destroyed during the policy period, caused by the Perils Insured against, while such property is used or to be used in your business.

Props, Sets & Wardrobe

Provides insurance coverage for scenery, costumes, theatrical props and related equipment owned by you or which is the property of others used or rented by you.

Third Party Property Damage

Provides insurance coverage to pay sums which you become legally obligated to pay as damages arising out of injury to or destruction of the property of others (including loss of use) while such property is in your care, custody or control and is used or to be used in connection with a production.

Extra Expense

Provides insurance coverage for a loss you incur above and beyond what you would have otherwise incurred in the event of an interruption, postponement or cancellation of a production as a direct result of damage to or destruction of property or facilities. This does not cover loss of earnings or profits. It only covers the additional expenses over and above the cost that you incur to complete your production.

Negative Film

Provides insurance coverage for loss (re-shoot, recreate or reprogram) as you shall directly and solely sustain as a result of loss of, damage to or destruction of raw film stock, interpositives, positives, work prints, cutting copies, fine grain prints, transparencies, cels, art work (used to create animation images), software and related material used to generate computer images, used in connection therewith, caused by an insured peril when such property is your property or the property of others for which you are legally liable, while such property is used or to be used in connection with a production.

Faulty Stock

Provides insurance coverage for loss (re-shoot, recreate or reprogram) sustained as a result of loss of, damage to or destruction of raw film stock, interpositives, positives, work prints, cutting copies, fine grain prints, transparencies, cels, art work (used to create animation images), software and related material used to generate computer images, used in connection therewith, caused by faulty materials, faulty equipment, faulty editing, faulty developing or faulty processing when such property is your property or the property of others for which you are legally liable, while such property is used or to be used in connection with a production.

Cast

Provides insurance coverage for loss caused by reason of any person in connection with a production, being prevented by an accident from commencing, continuing or completing their duties or performance in an insured production. There is a $10,000 per loss deductible.

Non-Owned and Hired Automobile Liability

Non-Owned and Hired Automobile Liability Insurance protects the film production company for sums you become legally obligated to pay due to Bodily Injury or Property Damage resulting from the use of non-owned and hired automobiles including rented or borrowed vehicles and vehicles owned by others.

Non-Owned and Hired Automobile Physical Damage

This covers physical damage to non-owned and hired vehicles including but not limited to trucks, mobile dressing rooms, and other trailers while in the production company's possession. (See Miscellaneous Equipment Coverage to purchase)

Once you have selected a General Liability policy limit, you can purchase excess limits. An Excess Liability policy does not provide any additional coverage, only higher limits. If you also purchase Non-Owned and/or Hired Automobile Liability, the Excess Liability limits will also apply.

Workers Compensation Insurance provides statutory insurance protection for an employer's exposures arising out of injuries sustained by employees. Part one of the policy, Workers Compensation, provides insurance coverage for the employer's statutory liabilities under workers compensation laws. Part two of the policy, Employers Liability, provides insurance coverage for liability arising out of employees' work related injuries which fall outside of the workers compensation statute.