Q: Producing 10 minute short with filmmakers I met through a friend and wanted to know what type of insurance I would need for shooting in a friends home and/or a nursing home or commercial building. One day shoot with a cast and crew of about 10 people. I want to make sure my production company, crew and the property are covered.
Huewilly via Film Method Mailbag
That’s a great question and there are plenty of options for this type of project. Meaning, you can find another company to co-produce with you who has insurance, purchase short-term coverage or, if you plan to make many of these films within a year, you may consider purchasing an annual policy.
I am not an insurance agent so your best bet is to contact an insurance provider for a quote. Don’t be intimidated, you do not have to purchase right then and there. It’s like buying car insurance, you want to shop around and get the best coverage at the best rate for your project. I will say this; most standard insurance companies do not handle film insurance. It is a specific kind of insurance and if you are renting equipment from a rental house, you will typically need to cover a minimum of a million dollars just to be safe. If you are not in Los Angeles, or another major filming hub like New York, chances are you are not going to be able to find coverage locally. You’ll want to look in LA. To cover everything you want to cover you’ll probably need liability and work comp. If you are using union actors, you will go through a payroll company and you’ll want to look into their insurance policies as well. That will all be explained by SAG.
When you call, you’ll need to know your budget (including how much you have to spend on insurance), how many people you need covered, what length of time and there will be a few other questions. Don’t worry if you don’t know, just so that and research and get back to the person.
It can be complicated at first glance, but once you talk to the right insurance agent, he/she will be able to explain it better than I can.
Congrats on your shoot and I hope it all goes well.
Thanks for listening,