The Front Row View (entertainment insurance blog)
Does a film producer need to obtain releases for photos from the web?
1 May, 2023 • Dave SternDoes a film producer need to obtain releases from individuals appearing in photos that are on the Internet? A lawyer explains. Dave Stern: Regardless of genre, being a relatively practical but relatively risk averse entertainment lawyer, I would always advise from the get-go to obtain any and all possible releases. For...
Civil Authority Coverage for Film Productions Explained
12 April, 2023 • Mike GronerColby Spencer: I think everybody got a bit shocked when [film production during the COVID-19 pandemic] shut down but, I don’t know, I think everybody had a forced rest and film is known for being no rest. Mike Groner: I wish we could say that we got that same rest during the stay-at-home orders but instead, I think we ...
What is an example of a cast insurance claim?
28 February, 2023 • David McLeishQ: Does cast insurance have to be purchased separately from a production policy? A: No, cast insurance is part of a production policy. You may see production policies without cast coverage, but only because the coverage has been declined. It is not a separate policy. The largest limits on a production policy are typica...
Film Production Insurance: How the Premium is Determined
12 December, 2022 • David HamiltonUsually, the cost of film production insurance is determined by charging a pre-determined rate against the net insurable budget of the production. The net insurable budget is calculated by removing those items out of the gross budget that the client does not want to insure (i.e., unit publicity, insurance, and general ...
How can a film producer obtain permission to use content protected by copyright?
20 September, 2022 • Doran ChandlerHow can a film producer obtain permission to use content protected by copyright? A lawyer explains. It happens more often than you might expect: a producer completes a film, locks picture, makes a sale, and then drops by our law office to inquire about “clearing” the film for Errors & Omissions insurance coverage. ...
Film Insurance: E&O Claims Made Policies Vs. Occurrence Policies
30 August, 2022 • Mike GronerCLAIMS MADE E&O POLICIES Claims Made E&O Policies cover claims that are made during the policy term. The loss may have occurred in the past, but as long as it is reported during the current policy term, it can trigger coverage. In order for coverage to continue, the policy must stay in force. With this type of ...
What are the most common film insurance claims?
13 June, 2022 • Steve BeattyWe joke by saying that we can get through most projects without any claims but invariably somebody is going to bang up a car: somebody is backing out, maybe a production assistant hits a post or another car, etc. As a result, and in response to that, the insurers have put relatively high deductibles on vehicle claims n...
Film Insurance: Small Budget vs. Large Budget
9 June, 2022 • Steve BeattyFront Row offers different film insurance options to accommodate smaller vs. larger budget productions. Sometimes, that is driven by contractual obligations and the insurance requirements of funders, streamers or broadcasters. So, step one is asking “do I have anything there that I need to satisfy?” If you have a small...
Insurance rates are rising and premiums are increasing | Hard market
12 April, 2022 • David HamiltonInsurance rates are rising and premiums are increasing - this is known as a hard market. It is the cyclical opposite of a soft market when rates are decreasing. The reasons for the hard market in the entertainment sub-sector are varied. The COVID losses sustained by insurance companies resulted in larger payouts when f...
Mystery works well in a film script — less so, when it comes to insurance
11 April, 2022 • David HamiltonMystery works well in a film script — less so, when it comes to adjusting a claim for missing props, wardrobe and film gear. The coverage for props, sets and wardrobe and miscellaneous equipment in an entertainment package policy doesn’t cover mysterious disappearance. The film insurance company won’t cover a loss that...
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