Whether you’re filming a commercial, indie project, music video, or major studio production, one thing is certain: production comes with risk. And while having insurance is a smart first step, many filmmakers and producers underestimate the gaps and exposures hidden in a poorly written policy.
At MovieInsure, we specialize in protecting productions with smart, custom insurance solutions designed for the entertainment industry. Below, we’ll break down the top risks associated with production insurance and how we help solve them before they become costly problems.
Incomplete Coverage for Cast and Crew
The Risk:
Cast and crew are your most important assets. If a lead actor falls ill or a key crew member is injured, production can halt costing thousands in lost time and reshoots.
Our Solution:
We offer cast and crew insurance that covers illness, injury, or death of essential personnel. Our policies reimburse for delays, rescheduling, and even recasting when needed so your project stays on track.
Undervalued Equipment and Gear
The Risk:
Many productions undervalue their equipment or assume a rental house’s policy covers everything. If your gear is damaged or stolen, you could be left with a major out-of-pocket loss.
Our Solution:
We provide equipment insurance for both owned and rented gear. Whether it’s cameras, drones, lighting, or props, we’ll help you assess true replacement value and ensure you’re fully covered during transport, on set, or in storage.
Gaps in Liability Coverage
The Risk:
Filming in public places or rented venues exposes you to liability. If someone is injured or property is damaged, a lawsuit could bring your production to a standstill or worse.
Our Solution:
Our general liability insurance protects you from third-party claims involving bodily injury, property damage, and legal costs. We also handle additional insured certificates for venues, cities, and permit offices so you’re always covered where it matters.
No Protection Against Delays or Cancellations
The Risk:
Weather delays, equipment breakdowns, or location issues can lead to expensive cancellations or production halts. Standard policies may not cover these setbacks.
Our Solution:
We offer production delay and cancellation coverage that reimburses for lost time and sunk costs due to unexpected interruptions, giving you peace of mind and financial protection.
Not Reviewing Rental Agreements Carefully
The Risk:
Some rental agreements pass 100% liability onto the renter, meaning your production could be responsible for damages not covered under a basic policy.
Our Solution:
At MovieInsure, we review rental contracts to identify hidden risks and recommend the right endorsements or policy adjustments to match your contractual obligations.
One-Size-Fits-All Policies
The Risk:
Generic business insurance doesn’t account for the unique demands of entertainment production. You could end up paying for coverage you don’t need or missing critical protection you do.
Our Solution:
We build custom insurance plans tailored to the specifics of your production based on budget, timeline, cast size, locations, and risk level. You get the protection you need, nothing more, nothing less.
Why Work with MovieInsure?
We’re not just insurance agents we’re industry insiders who understand production from the inside out. Whether you’re filming for a weekend or working on a long-term series, we ensure you’re covered against the real risks of filmmaking.
Fast quotes
Personalized service
Deep industry expertise
Nationwide coverage
Let’s talk about your next production. Contact MovieInsure today to get a quote, ask questions, or review your current policy. Because the best time to address risks is before the camera starts rolling.
Visit MovieInsure.com or call us today.
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The post Production Insurance Risks: What You Don’t Know Can Cost You appeared first on MovieInsure: Film and Production Insurance.