The holiday season is upon us! There is nothing like a clear, beautiful autumn day here in Southern California, which makes everyone want to get outdoors, enjoy it and take it all in…
And of course, shoot some pics and videos!
The majority of film producers know they need film insurance, but what about producers of live productions? Do you know which types of insurance coverage is required and where to get it?
Let’s take a look at the most common types of production insurance…
Are your actors part of the Screen Actor’s Guild?
Many actors and actresses participate in both live and filmed productions. SAG requires at least $1,000,000 of General Liability and $1,000,000 of Workers Comp coverage whenever you are using SAG actors.
It doesn’t matter if you only plan to do a 30-second video for a Facebook ad or a six-week run at the local playhouse. If you use a SAG actor, then they must have coverage through a Workers Comp policy. This covers the actor if they injure themselves. General Liability insurance covers injuries or property damage to third parties caused by the actor.
Do you have adequate General Liability Coverage?
General Liability insurance covers injuries to people that are attending your production and the venue where you perform. For instance, if a patron trips and breaks a leg, liability insurance protects you from litigation. If your set falls over and damages the stage, you won’t have to pay for repairs out of pocket.
Plus, keep in mind that the SAG New Media contract requires General Liability as a protection for their actors.
Are you performing in California?
If your live production plays in California, then you are required, by law, to have Workers’ Compensation for your cast, crew, and everyone else, including interns, volunteers, etc.
And it doesn’t just apply to companies based in California, but to everyone that performs within the state. You can file for exemption as long as you do not hire California employees. However, you must provide a certificate of Workers’ Compensation insurance from a carrier in your home state.
Failing to have workers’ comp insurance in the state of California can result in hefty penalties and fines.
For more information on production insurance in California, contact Equipment & Production Insurance. The team at Equipment and Production Insurance are film, photographic & entertainment industry insurance specialists. Whether you need short-term, annual, post, documentary, commercial, equipment, rental house, or Workers’ Comp Insurance, you can rely on their quick and knowledgeable assistance to meet all of your production insurance needs.
Wishing you and your family and happy and safe holiday season!
