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FILM INSURANCE

FILMS - TV SERIES - COMMERCIAL FILMS - DOCUMENTARIES - MUSIC VIDEOS

Film Insurance covers the risks that the producer may face during the pre-production, production and post-production stages of the film. So what are these risks and coverages?

MEDIA

We will pay for loss incurred by you resulting directly from damage to media from any external cause and for:

  1. faulty media;

  2. faulty cameras or recording equipment;

  3. faulty developing, editing or processing including where arising from faulty computer software programs;

  4. accidental and/or unauthorised corruption of the images and sound data held on digital media;

  5. accidental and/or unauthorised erasure of recordings from media; or

  6. accidental exposure to light of raw or exposed film

except as excluded and occurring during the period of insurance for media used or intended to be used for recording and storing images or sounds necessary to the intended release of a production.

CAST

We will pay for loss incurred by you directly resulting from any insured person being necessarily prevented by their death,injury, illness, sickness, disease, bereavement or kidnapping from commencing, continuing or completing their respective duties or performances in a production.

PROPERTY

We will pay for:

  1. props, sets and wardrobe;

  2. equipment;

  3. office contents;

  4. computer and telecommunication equipment;

  5. action motor vehicles;

  6. library stock

owned by you or which is the property of others for which you are legally responsible and which is damaged during the period of insurance within the geographical limits.

EXTRA EXPENSE

We will pay for loss incurred by you resulting from the interruption, postponement or cancellation of a production as a direct and sole result of damage to property or a location used or to be used by you during a production and occurring during the period of insurance within the geographical limits.

We will also pay for mechanical or structural defect or breakdown, short circuit or other electrical injury, disturbance or failure to generators, camera, sound, lighting and grip equipment, including computer control systems and their components used to control this equipment, provided that they have been fully tested beyond the experimental stage and proven to be in sound working condition for its intended use before being used in a production keeping to the highest industry practice.

THIRD PARTY LIABILITY

We will pay for loss incurred by you resulting from your legal liability to pay as compensation arising out of damage to property of others while such property is in your care, custody or control and is used or to be used in connection with a production.

 

We will pay you for your legal liability for damages and costs awarded against you arising from any claim made against you which arises from:

1. injury to any person
2. damage to material property including resultant loss of use of such property;
3. wrongful arrest, imprisonment or eviction of any person; or
4. trespass, nuisance or any interference with right of way by foot, air or water happening during the period of insurance and in connection with your business.​

MONEY

We will pay for loss incurred by you resulting from damage to:

  1. money;

  2. any cash carrying case or bag following theft of money or any attempted theft;

  3. any safe, strongroom or franking machine following theft of money or any attempted theft; and

  4. clothing and personal effects belonging to you or any of your directors, partners or employees following theft of money or any attempted theft

that occurs during the period of insurance.

TERRORISM

We will pay for:

  • loss resulting from insured persons being necessarily prevented by their death or injury from commencing, continuing or completing their respective duties or performances in a production; or

  • damage to property (whether your property or not) caused by an act of terrorism which occurs during the period of insurance anywhere in the geographical limits other than within the excluded territories.

ADDITIONAL COVERAGES

ADVERSE WEATHER

Adverse Weather can cause delays in shooting, rescheduling shooting and, as a result, over budget.

 

Rescheduling the shooting schedule can result in additional shooting days, extra travel and possible loss of key/important people, leading to a complete cancellation of the film.  

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In order to prevent these risks, it is possible to cover the extra expenses that may arise due to adverse weather conditions with insurance.

ERRORS & OMISSIONS

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