EVENT
  INSURANCE
  CONFERENCE &
  CONVENTIONS
  FILM &
  VIDEO COVER
  PRIZE &
  PROMOTIONAL
  PHOTOGRAPHER'S
  INSURANCE
  MUSICIAN'S
  INSURANCE
  BROADCASTER'S
  PACKAGE
  HIGH RISK &
  ACCIDENTAL DEATH
Summary of Covers offered by the Film and Video Insurance Package

The package has been complied to assist in all areas of the Film and Video Production Industry. From Feature Films to Music Videos this facility can cater for all these areas of production. The package is made up of twelve individual covers. Some can be taken together with another cover, however the majority can be taken separately and independent of one another.



SECTION 1A: EXTENDED PRE PRODUCTION CAST OR KEY PERSONNEL INSURANCE.

This section can only be taken out in conjunction with Section 1.B. This section of the package provides cover in the event that a loss occurs directly and solely sustained by reason of any Key personnel designated for the Insurance being prevented by their Death, Injury, Illness or Kidnapping occurring during the period of the Insurance,

  • (a) From commencing or completing their respective duties or performances during the extended Pre-production period or
  • (b) From commencing Principal Photography of a declared production.
• No age restrictions on declared persons.
• Bereavement cover provided with a broad definition of family members all covered up to age 75.
• No restrictions on cover for childhood illnesses.



SECTION 1B: CAST AND KEY PERSONNEL INSURANCE.

This section can be taken without the Extended Pre-production cover and also can be taken out as a stand alone cover. This section provides cover in the event that a loss occurs directly and solely by reason of any person who is prevented by their Death , Injury , Illness, Kidnapping from commencing , continuing or completing their respective duties or performance in the insured production.

• No age restrictions on declared persons.
• Bereavement cover provided with a broad definition of family members all covered up to age 75.
• No restrictions on cover for childhood illnesses.



SECTION 2: PRODUCTION MEDIA.

Covers a broad range of media against physical damage, accidental and faulty perils. No deductible for physical loss , damage or destruction. This can include Faulty Stock and or Equipment . Exclusions to this section are for example, Intentional Destruction, Errors in Judgement in Exposure, Lighting , Sound Recording or Library Stock.



SECTION 3A: PROPS, SETS AND WARDROBES.
SECTION 3B: CAMERA, SOUND, LIGHTING & MISCELLANEOUS EQUIPMENT, ETC.

This coverage insures against All Risks or direct physical loss or damage to the property covered from any external cause , such as Fire, Water Damage, Theft, Accidental Damage. The policy does not cover against damage due to insects, vermin, inherent vice, latent defects, rust, contamination, shortage of inventory or unexplained loss or mysterious disappearance.



SECTION 3C: EXTRA EXPENSES.

Cover for delay or additional expenditure incurred as a result of damage to property or facilities used in any production.
Expenditure incurred as a result of delay due to mechanical breakdown of generators, camera, lighting, sound and grip equipment covered as standard.
A range of extensions available to cover the inability to access filming locations, expenditure to protect against loss from an imminent peril, loss of utility supply and strike or civil protest.



SECTION 4: LIABILITY.

This section covers the Insured's legal liability to the general public (including parties where the insured has entered into a contract to indemnify them - Hold Harmless) with regards to claims made against them for personal injury and or property damage which occurred due to the alleged negligence of the insured and or his employees and freelance crews.

Cover for Property of Others (care, custody & control) provided on a stand-alone basis - the client names the limit required.
Bodily Injury and Property Damage resulting from the use of unmanned aircraft systems.
Liability assumed in written contracts is covered including third-party liability.



SECTION 5 & 6 : OFFICE EQUIPMENT AND MONEY COVER:

This section can be offered in two parts or can be taken separately. the office policy covers against loss or damage to Miscellaneous Office Equipment , such as Laptop PC's, Fax machines, Mobile telephones, etc., located at the Insured's permanent office or production and or set location. The cover offer is the same as in Section 3.A&B.
The Money section covers accidental loss or theft of cash used in the production.



SECTION 7: CANCELLATION INSURANCE:

Cancellation of the Production due to circumstances beyond the control of the Insured , otherwise not covered by the above policy section. This can include Strikes, Delayed Aircraft etc. In addition WEATHER RISKS extension can also be taken when necessary with regards to outdoor shoots.



OPTIONAL COVERS:
ERRORS AND OMISSIONS LIABILITY INSURANCE :

(PRODUCERS LIABILITY)
Covering the insured against claims made by third parties with regards to acts of alleged Plagiarism, Libel, Slander, Infringement of or interference with the right of privacy or publicity, whether under common law or statutory law.
Unauthorised use of titles, formats, ideas, characters, plots, performances of artists or other performances. Breach of contract limited to those which are implied in fact or in law, resulting from the alleged submission of program, musical or literary ,material used by the Insured in the Production.



HIGH RISK PERSONAL ACCIDENT AND DEATH COVER:

High limit Personal Accident Insurance for High Risk Professions such as Film Directors, Actors, D.O.P's and other Crew, etc. For example coverage whilst shooting in Helicopters, Light Aircraft, Motor Vehicles etc.