Business Insurance Specialties: Entertainment


Any broker providing services and coverages needs to understand the specialized and unique needs of the entertainment industry. While the basic insurance coverages are similar with other industries, only brokers who have entertainment expertise know the special policy forms and endorsements that are needed to properly insure against the unique loss scenarios occurring in the entertainment industry.



   Industry Types

Production Companies

  • Motion Picture Production companies
  • Television Production companies
  • DICE Production companies – (Documentary, Industrial, Commercial, and Educational)

Production Associated Companies

  • Shell and/or Loan Out Corporations
  • Post Production companies
  • Props, Sets and Wardrobe companies
  • Equipment Rental Houses (Film)
  • Studio Rental Houses
  • Catering Companies

Music Industry

  • Touring entertainers and Groups
  • Music Promoters
  • Music Producers
  • Equipment Rental Houses (Music & Festivals)
  • Festivals

Radio and Television Studios

  • Network or Cable Stations
  • Recording Studios
  • Television Studios

Venues

  • Arenas
  • Stadiums
  • Movie Theatres
  • Playhouses
  • Nightclubs
  • Amphitheatre
  • Festival Sites
  • Casino Shows

Theatrical

  • Plays - Fixed location
  • Plays - Traveling Troupes
  • Musicals - Fixed locations
  • Musicals - Traveling locations
  • Festivals - Indoor and Outdoor

Sports and Leisure

  • Sporting events - Amateur
  • Sporting events – Professional
  • Sporting Arenas & Stadiums
  • Cancellation and/or Non Appearance
  • Event Planners / Event Coordinators



   Specialty Coverage for the Entertainment Industry

Motion Picture and Television Productions:

  • Cast coverage
  • Essential Element
  • Negative Film and Videotape
  • Faulty Stock, Camera and Processing
  • Props, Sets and Wardrobe
  • Miscellaneous Rented Equipment
  • Owned Equipment
  • Extra Expense
  • Third Party Property Damage
  • Business Personal Property
  • Money and Securities
  • Non-Owned and Hired Auto Liability and Physical Damage
  • CGL - Domestic and Foreign
  • Stunts and / or Pyrotechnics
  • Terrorism (buy back) and / or Threat of Terrorism
  • Producer Errors and Omissions
  • Acquisition and Development Errors and Omissions
  • Film Completion Bond

Concerts

  • Touring Liability - Domestic and / or Foreign
  • Cancellation and / or Non-Appearance
  • Terrorism (buy back) and / or Threat of Terrorism
  • Musical Instrument Floaters
  • Merchandise
  • Promoter Liability - Domestic and / or Foreign

Radio and Television Stations

  • Broadcasters Liability
  • Broadcasters Errors and Omissions
  • Cancellation
  • Transmission Failure

Venues

  • Liability
  • Cancellation and / or Non-Appearance
  • Terrorism (buy back) and / or Threat of Terrorism
  • TULIP (Tenant User Liability Insurance Program)

Theatrical

  • Touring Liability
  • Fixed Location Liability
  • Props, Sets & Wardrobe
  • Third Party Property Damage
  • Cancellation and / or Non-Appearance
  • Errors and Omissions



   Risk Management Checklist

  • Legal nature of organization and authority
  • Financials
  • Permits from Authorities
  • Traffic Management Plans
  • Water Safety Plans
  • Public Safety issues
  • Clearance from fire services and police
  • Warning signs of hazards
  • Crowd control
  • Liquor control
  • Vehicle access and parking controls
  • Participants / Sub contractors responsibilities and requirements
  • Foreign exposures
  • First Aid facilities and/or Para-Med on site requirements
  • Catering / Outdoor cooking
  • Toilet facilities
  • Alternative Locations
  • Site Emergency Plans
  • Sexual Harassment
  • Security requirements
  • Terrorism and / or Threat of Terrorism
  • Communications - Media - Public Address - help desks or Kiosks - Walkie Talkies - Mobiles
  • Evacuation Plans
  • Provocative fan behavior
  • Forced Closure
  • Admission Checkpoints
  • Cancellation, delay or changed date or venue
  • Weather risk (inclement weather or lack of appropriately needed weather conditions)
  • Slip and fall
  • Medical emergencies
  • Personal checks of those attending for security as well as disabilities or allergies
  • Protection of participants and officials
  • Water related risks - drowning or surf conditions

 

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