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Motion Picture, Television And D.I.C.E. Productions
Marsh's Entertainment & Media Group provides entertainment insurance coverage on a worldwide basis for Motion Pictures, Television and D.I.C.E. productions.
These producers' primary concern is to complete their productions on time and on budget. Marsh has access to all entertainment markets, using that access to obtain the best terms, conditions and pricing
Coverages:
Coverages
Cast Insurance provides coverage for additional expenses to complete principal photography or - in the event of necessary abandonment - aborted costs. This could result if an insured actress, actor, animal or other declared person cannot begin, continue or complete their duties in a production as a result of death, injury or sickness. Insured persons are initially covered for accident only, until such time as they are medically examined and complete a medical questionnaire. The carrier then will expand upon the coverage to include illness, if the person qualifies, based upon the medical examination and questionnaire. Coverage is also extended to include kidnapping of any insured artist or director.
Cast insurance normally begins four weeks prior to the first camera day; however, additional time can be purchased in the form of Extended Pre-Production Cast Coverage.
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Props, Sets and Wardrobe Insurance provides coverage for owned property and the property of others on an "all risk" basis, worldwide, while used or planning to be used in connection with the production.
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Extra Expense Insurance provides coverage for any additional costs necessary to complete principal photography due to the loss of, damage to, or destruction of property used in connection with the production. Coverage also includes losses due to generator failure and mechanical breakdown of cameras.
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Miscellaneous Equipment Insurance provides coverage for owned equipment and the equipment of others, e.g., cameras, lighting and sound equipment, on an "all risk" basis worldwide. This coverage also includes physical damage for hired production vehicles.
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Property Damage Liability Insurance covers loss, damage to, or destruction of property of others, including loss of use of that property in your care, custody or control. Coverage does not apply to liability for damage to property caused by operation of any motor vehicle, aircraft or watercraft, including damage to the foregoing; or liability for damage to any property rented or leased that may be covered under props, sets, or wardrobe; or miscellaneous equipment insurance. This coverage is not included under a Comprehensive General Liability Policy. Property Damage Liability Insurance written as part of a comprehensive general liability policy excludes damage to any property in the production company's care, custody or control.
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Negative Film and Videotape Insurance covers "all risk" associated with physical loss, or damage to, or destruction of the negative film, computer generated images or sound, videotape or soundtrack. It also provides coverage for the extra expenses (or, in the event of necessary abandonment, aborted costs) incurred in re-shooting or re-recording the lost or damaged material.
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Faulty Stock and Processing Insurance provides coverage for the extra expense incurred in re-shooting or re-recording lost or damaged material when there is a loss resulting from faulty materials, faulty equipment, faulty developing or processing, or faulty editing.
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Errors & Omissions Insurance provides coverage for:
- Libel, slander or other forms of defamation.
- Invasion or the right of privacy or publicity.
- Unauthorized use of names, trade names, service marks, titles, formats, ideas, characters, character names, characterizations, plots, musical compositions, performances, slogans, program material or any similar material.
- Infringement of copyright.
- Breach of implied or implied-in-fact contract arising out of the alleged submission of any literary, dramatic, musical or other similar material, or breach of trust and confidence arising out of any such submissions.
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Guild/Union Travel Accident Insurance provides special accident coverage that is required by various Union and Guild contracts. Coverage is blanket, and the limits of liability meet all signatory requirements. Coverage may also be extended to non-union employees up to a benefit limit of $50,000 each.
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Commercial General Liability Insurance provides coverage for claims of bodily injury and/or property damage arising out of the filming of a picture. This coverage is required prior to filming on city and state roads or on any location sites requiring permits or certificates.
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Foreign Liability Insurance - When a production is to be scouted or filmed outside the United States or Canada, a Foreign Liability policy must be obtained. Primary Foreign Auto Liability coverage should be obtained in the country where the vehicles are rented.
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Railroad Protective Liability Insurance provides coverage that protects a railroad company against claims arising in connection with the use of their property.
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Auto Liability/Physical Damage Insurance
- Owned Auto Insurance covers autos registered to, or purchased by, the production company.
- Hired Auto Insurance is required if the production company plans to rent or hire vehicles
- Non-Owned Auto Insurance provides coverage, if you are sued as a result of damage caused by an employee during the course and scope of company business. Physical Damage Insurance is also available.
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Excess/Umbrella Liability Insurance - Filming often requires liability coverage in excess of the limits provided in primary General Liability, Auto Liability, Employers Liability and Third Party Property Damage policies. Excess policies providing substantial limits can be arranged.
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Workers' Compensation and Employers' Liability Insurance is required by state law and applies to all temporary or permanent cast or production crew members. Individuals who consider themselves "independent contractors" or "subcontractors" will usually be held to be employees as far as Workers' Compensation is concerned. If an employee is injured during the course of employment, coverage pays for hospitalization and doctor bills, disability benefits or death benefits. Certain states have state-run Workers' Compensation programs. We can assist you in securing coverage in those states.
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Foreign Workers' Compensation and Employers' Liability - When a production is to be scouted or filmed outside of the United States or Canada, a foreign Workers' Compensation policy may be required. We can assist you in securing coverage when required.
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Aircraft Insurance is required when a plane or helicopter is rented, leased or borrowed for the use of scouting locations or for aerial photography. We can arrange this coverage for you.
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Marine Insurance includes watercraft liability, and, when required, hull coverage.
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Animal Insurance provides for loss or damage to animals that are used in connection with a production.
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Money and Securities Crime Package provides coverage for actual physical loss of funds during a production (i.e. petty cash) against robbery, theft, embezzlement, or forgery of checks, etc.
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Adverse Weather Extra Expense Insurance provides coverage for extra expense incurred by the interruption, delay or abandonment of the production due to adverse weather conditions at the location which reasonably and necessarily prevent filming or taping from taking place.
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Contingency Insurance provides for loss sustained if any insured person in connection with the insured event is necessarily prevented from commencing, continuing or completing their respective duties or performances in the insured event, caused by insured perils.
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All policies contain exclusions, terms and conditions
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