Protect your Release with Film Casualty.
Film Casualty helps protect the vital processes of creating the final output of filmmaking projects. Editors, designers and creators of visual effects, color graders, finishing, and other creative post production businesses can count of Film Casualty to provide the insurance support you need to protect against risks.
Commercial General insurance covers filmmaking premises and locations, within the United States and Canada, for bodily injury or property damage from events occurring during your production. This coverage also protects you from lawsuits if someone who is not a direct employee is injured during your production. General Liability policies also cover accidental property damage. The policy you get from Film Casualty has some of the broadest business insurance available anywhere.
Personal Property coverage insures against damage to others' property when shooting on location, such as rented or borrowed studio space, personal computer resources, data storage, and more. Your production remains responsible for care and upkeep of any leased, rented or borrowed properties for activities related to the production.
Commercial Auto covers your production for accidents, injuries and other incidents while using owned, rented and borrowed vehicles. Just like the auto coverage for your personal vehicle, you're legally required to carry Auto liability coverage for third parties; you can choose Comprehensive & Collision coverage that also covers damage to your production vehicles. We strongly recommend this. The incremental cost represents a major reduction in your exposure to loss.
Film Production Package
The Film Production Package coverage includes a lot of things related to your work. The Package covers rented and owned equipment, props, sets and wardrobe, negatives and faulty stock, extra expenses, cast, third party property, unexpected Civil Authority expenses and more.
Sweating the details up front can pay off when you define your Film Production Package policy. If you're confused about what you need to insure and what you CAN insure, Film Casualty is here to help you make the informed decision.
Worker's Compensation coverage is a must-have for your production. Workers' Comp covers medical expenses and lost income for employees who are injured on the job. It includes work-related illness, disability and death benefits for any cast, crew or employee. Other advantages include access to a preferred provider network, prescription drug features, needle injury coverage, nursing care managers to help coordinate care, and Pay-As-You-Go billing that bases premium payments on the actual payroll.
While employees may be covered through another company's policy, we recommend that your production company carry a backup policy to ensure no one falls through the cracks. Like Jeff, the Production Apprentice. We gotta look out for Jeff, you guys.
Errors & Omissions
E&O insurance protects against possible intellectual property rights violations, and against libel, slander and defamation of character risks. We all know this could never happen to you, but in the wild and wooly world of film making, a lot of crazy things can happen. Film Casualty has your back when bad things happen to good people.
This is where it gets real. Employment Practices Liability Insurance covers against claims made by employees alleging discrimination, wrongful termination, harassment and other employment-related issues, such as failure to promote. Disgruntled employees can lead to expensive consequences. You can take a few actions to avoid this: 1) Be cool. 2) Make sure everyone knows your company's guidelines regarding promotion, termination, discrimination and other factors affecting employment, and be generous with information. 3) Get EPLI.
The Commercial Umbrella policy provides additional business liability protection that your General Liability policy may not include. Umbrella covers more types of claims and covers them at a higher limit. Simply put, it protects your company from losing big if a big claim comes in, such as bodily injury liability or property damage. Umbrella coverage also helps you avoid out-of-pocket costs for legal fees, medical bills, and damage expenses that exceed the limits of your General Liability policy. Umbrella policies are usually applied to Employers' Liability, Commercial General Liability, Automotive Liability, Third Party Property Damage, and Foreign Commercial General Liability