VIDEOGRAPHY & FILM PRODUCTION INSURANCE

WHAT INSURANCE COVERAGE DO VIDEOGRAPERS & FILM PRODUCTION COMPANIES NEED?

• General Liability Limit: $2,000,000 per Occurrence

  Commercial General Liability protects your business from financial loss that may occur as a result of third-party bodily injury or third-party property damage. Our robust General Liability limits can satisfy a large majority of vendor requirements and help ensure you’re adequately covered in the event of a devastating loss.

• Inland Marine Owned & Rented Camera Equipment

  Worldwide protection for your cameras, lenses, lighting, grip and other miscellaneous production gear. Equipment is insured on Replacement Value. Adding/Removing equipment is possible at any point throughout the policy term. TCP also provides its customers with the ability to add various coverages on a “per-project” basis, including rented equipment.

• Short Term Rented Production Equipment Limit: Refer to Quick Quote/Proposal

  TCP understands the challenges that producers are presented with on any given shoot. Insurance needs can fluctuate depending on the size, scale, and scope of your shoot. Our Production Insurance plan offers the ability to temporarily increase your policy limits in order to comply with vendor insurance requirements.

• Computer Hardware/Software $25,000 On-Premises / $10,000 Off-Premises

  Not only can we provide theft and accidental breakage (like water damage) for your desktop and laptop computers, but we can also cover your smartphone, tablet, hard drives, monitors and printers. Coverage also includes recovery of data if you happen to drop and damage the hard drive. This coverage does not include recovery of data due to a virus/trojan.

• Rental Expense Reimbursement Limit: 15% of Owned Equipment Coverage

  This coverage responds if a DP/producer’s owned camera equipment suffers a loss, such as damage, theft, fire or any other covered cause of loss. While the claim is being processed, the insurance company can reimburse you for the rental expenses incurred up to 15% of your owned equipment limit. The show must go on and this policy enhancement can help ensure you can do just that, while minimizing your financial loss in the process.

• Office Contents - Business Personal Property $5,000 – Higher Limits Available

  This video coverage is intended for damage or theft to desks, chairs, tables, cabinets, phones, office supplies, etc. at your premises location. A relatively low risk coverage compared to production equipment, but it is a good coverage to maintain while running a business out of a studio or home office.

• Errors & Omissions/Professional Liability Limit: $1,000,000

  Helps protects against lawsuits arising from copyright infringement, trademark, trade name, title, slogan, false advertising, idea misappropriation, invasion of privacy/publicity right, or defamation arising out of photographic/digital visual imagery services. A more comprehensive E&O policy is available. Please call our office for more information.

• Workers’ Compensation $1,000,000

  Coverage against claims resulting from a work-related injury sustained by an “employee” of your company. Please refer to your state’s labor guidelines for the legal interpretation of an “employee.”

• Cyber Liability Limit: $25,000 to $1,000,000

  A website is an essential tool for any business, especially for a photographer. Companies are constantly being targeted by cyber criminals and these levels of cyber attacks are rising consistently each year. We strongly suggest speaking with an agent and exploring ways to incorporate this line of coverage into your insurance plan.

• Hired & Non-Owned Auto Liability Limit: $1,000,000

  Rented Autos are a function of most shoots that take place throughout the country. Whether it’s a grip truck or sprinter van, business owners may need to carry Hired & Non-Owned Auto Liability. Not only does it help protect your business from financial loss that may occur as a result of third-party injury and/or third-party vehicle damage, it can help ensure you’ve satisfied the insurance requirements enforced by the car rental company. Additionally, you may be required to carry Hired Auto Physical Damage. This covers the rented auto for any damage or theft that may occur. Please contact one of our agents for more detail.

• Production | ProPAK (DICE) Limit: Based on Average/Maximum Cost per Shoot – Higher Limits Available Upon Request.

  The “ProPAK”can be an essential component to a Commercial Production insurance plan. It includes a bundle of tailored coverages that effectively fill the gaps that would otherwise exist in a generic business insurance policy, while expanding the scope of protection to further mitigate losses that are unique to a shoot.

  • Third Party Property Damage – $1,000,000
  • Hired & Non-Owned Auto Physical Damage – $125,000
  • Re-Shoot Expense – $15,000
  • Extra Expense – $15,000
  • Props, Sets & Wardrobe – $25,000