ENTERTAINMENT INSURANCE

Entertainment insurance is a broad term for insurance policies that cover risks related to the entertainment industry, such as production delays, accidents, and property damage. It can cover everything from film shoots to theater productions, concerts, and events.

In many cases, entertainment insurance is required by investors, studios, or distributors before production can begin. Additionally, locations, venues, and talent often require proof of insurance before agreeing to work with the production. Some types of insurance, such as workers' compensation, are also mandated by law in certain locations.

Yes, weather insurance or force majeure coverage can cover costs related to weather disruptions, particularly for outdoor events or shoots. This may include rain, storms, snow, or other extreme weather conditions that prevent filming or a performance from happening.

How Do I File An Entertainment Insurance Claim?
In the event of a loss or accident, you’ll need to notify your insurance provider immediately. They will guide you through the claims process, which may include providing evidence of the damage or loss, filling out forms, and cooperating with any investigations or assessments.

Common exclusions in entertainment insurance policies include:

• Pre-existing conditions (e.g., an actor who has a known health issue)
• Losses due to war or terrorism
• Losses related to criminal acts
• Acts of God that are specifically excluded in certain cases
• Mechanical failure of equipment (if not covered separately)

The cost depends on your budget, shoot length, locations, and risk factors like stunts or rented equipment. Short-term policies for small shoots start low, and FilmIns provides instant quotes online.

Same day - FilmIns issues certificates of insurance online immediately after your policy is bound, ready for film permits and venues.

Yes - if you're renting equipment, using locations, or hiring crew, you need coverage. Short-term production policies can cover shoots as brief as one day.

Most film offices require general liability (often $1 million) naming the city or property owner as additional insured; some also require auto liability or workers' comp.

Yes - FilmIns covers weddings and receptions, including the liability coverage venues require and cancellation protection for your deposits.