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Insurance is necessary because unfortunately
things can go wrong. Insuring every area of a production is very
expensive and in most cases unnecessary. However, there are areas
which could have a devastating effect on a production if things
were to go wrong and some areas where accidents or mishaps are more
likely to take place. These are the areas where insurance will be
most valuable.
It is essential that all employers take out insurance.
Employer's
Liability insurance complies with the Employer's Liability
Act 1969 and covers the legal liability of the company for accidents
which cause serious injury or death to employers, artists and
freelancers as a result of being employed on a production.
Public Liability insurance covers the company for claims made
against them by a third party for damage to property, injury or
death.
It is likely on a production that Cast and Production Personnel
insurance will be taken out to indemnify a company against extra
costs resulting from sickness, accidents or death of key people,
resulting in the production being halted or delayed. This insurance
covers people such as the director, the camera crew or leading
artists.
Extra Expense insurance covers a company for
extra production expenses caused by damage to equipment, facilities,
sets, props and wardrobe.
Motor insurance is essential in order to use
any vehicle, whether for domestic or business purposes and it is
necessary to ensure that vehicles used in a production are insured
correctly. If other vehicles are used such as tanks or helicopters,
special insurance is required.
If a shoot is taking place overseas, Overseas
insurance is necessary in order to cover people and equipment outside
the UK. The insurance will only be valid if the laws and health
regulations of the particular country are complied with.
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