Film Production Insurance

Film Production Insurance

Protecting productions, equipment, and creative projects

Film and media productions face unique risks involving equipment, cast and crew, locations, and tight production schedules. Whether producing films, commercials, television, or digital content, production companies must manage exposure related to property damage, injuries, delays, and contractual obligations. A single accident, equipment loss, or production shutdown can result in significant financial loss.

Properly structured insurance helps protect the production, the budget, and the ability to complete the project.

Key Risks in Film Production Operations

Production companies face exposure related to:

• Damage to cameras or equipment

• Injury to cast or crew

• Location property damage

• Production delays or shutdowns

• Vehicle accidents during filming

• Contractual liability requirements

• Loss of footage or media

Losses can occur at any stage of production.

Core Coverages for Film Productions

Film production insurance programs typically include:

General Liability
Protects against bodily injury and property damage claims during filming.

Equipment / Inland Marine Coverage
Protects cameras, lighting, sound gear, and other production equipment.

Cast Insurance (when applicable)
Protects against financial loss if a key cast member cannot perform.

Production / Extra Expense Coverage
Covers additional costs caused by delays or interruptions.

Commercial Auto
Covers vehicles used during filming or transport.

Workers Compensation
Provides coverage for crew injuries as required by law.

Umbrella / Excess Liability
Provides additional limits for larger productions.

What’s Commonly Overlooked

Film production insurance programs are often weakened by:

• Underinsured equipment values

• Missing coverage for rented gear

• No coverage for production delays

• Failure to list locations as additional insured

• Inadequate liability limits

• Missing coverage for hired vehicles

These gaps often appear only after a loss occurs.

Real-World Claim Examples

• Camera equipment is stolen on location

• A crew member is injured during filming

• A filming location is damaged

• A key actor becomes unavailable

• Weather delays production

Even one incident can stop production and increase costs.

Why Proper Placement Matters

Production coverage varies based on:

• Type of project

• Budget size

• Number of crew members

• Filming locations

• Equipment value

• Contract requirements

Improper placement can result in uncovered losses or production delays.

Our Approach

At Cory Washington & Co., we structure film production insurance based on the size of the project, equipment used, and contractual requirements. We coordinate liability, equipment, and production coverage to ensure the project stays protected from the first day of filming to final delivery.

Creative projects require protection behind the scenes.