Why do TV and film production companies need insurance?
A rainy location
As a filmmaker, you spend long days in diverse environments – sometimes, you don’t know what you’ll encounter until you arrive. Your latest project might require a three-point lighting kit, or XLR cables for crystal-clear audio, but use these items at a rainy location and they may suffer permanent water damage. Including film equipment insurance as part of your policy can help to protect your livelihood by covering kit against the risk of damage, loss or theft.
A broken arm
Professional skills are everything in a production house – after all, you spent years learning how to pan out, shoot close-ups and edit sound. If you break your arm at an out-of-work sporting event, you may discover you’re unable to shoot effectively for a scheduled documentary and could lose revenue as a result. Film production insurance can be tailored to include personal accident cover, which is designed to help with income loss if you or a named employee experience a disruptive accidental injury.
A camera accident
Film sets can be sites of constant action. You’re always careful to keep safety in mind, but if a heavy camera is mounted to a boom incorrectly, things can go wrong in seconds. Members of the public, including guests, film extras and couriers, may decide to claim if they are injured, or their property is damaged because of your work. Whoever is at fault, the cost of legal fees can mount – so adding public liability cover could help you to withstand the unexpected.
What insurance is available for TV and film production companies?
If you’re not sure what you need, tell us a little more about what you do. We’ll help you to build your quote and explore any other insurance needs.Build my cover
Insurance for TV and film production: FAQs
What insurance covers my film production studio or office?
If your TV or film production business operates from set premises, then you may require insurance for this space as well as your gear. Commercial property insurance covers the property itself and can be helpful, especially if you own the building you work from. Office insurance is a little different and brings together a set of property covers to also account for contents - this is often better suited to those who rent a space.
When will I receive the documents for my film production insurance?
When you purchase Hiscox business insurance online, you’ll receive the documents straight away. This may help you to save precious time in the run-up to a big project, since you’ll have everything you need to prove you’re insured in line with contractual requirements. With the paperwork taken care of, you’re free to focus on the logistics and technicalities of filming.
Does Hiscox business insurance help protect my props?
Yes, props and other items of stock are included if you tailor business insurance to include contents cover. This means, if your entire period drama wardrobe was destroyed by fire, the cost of replacement would be covered up to your policy limit. Equally, if you need to have intricate costume jewellery specially made, losses from theft, fire, flood or accidental damage are covered as standard, helping you focus on editing clips even if the unexpected occurs.
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