Entertainment - DICE/Annual Production Application

This is ADDITIONAL limits of liability bolsters the primary limits of liability. Unless someone is requiring you to have limits of general or auto liability that are higher than $1 million, you don't need this.

This covers auto liability for any vehicle that is not owned by the Named Insured for bodily and property damage. This does not cover damage to the vehicle itself.

If you need the policy to cover the rented/borrowed vehicles themselves - you want this coverage. If you rent a vehicle, and it's damaged/destroyed while it's in your care, custody and control, this is the coverage you want to have to take care of the cost to repair/replace the vehicle.

Rented Equipment covers equipment that is NOT owned by the Named Insured. It is equipment that the production rents or borrows from others (such as rental houses, directors of photography, cinematographers, etc.). Rented Equipment covers grip, lighting, cameras, lenses and other equipment used for production that is not a prop, set or wardrobe.

Owned equipment covers film production equipment that is owned by the named insured on the policy.

Props, sets and wardrobe covers things like clothing, shoes, furniture, rugs, knick-knacks, and other things at your shoot locations that aren't a part of the actual structure of the building. If you would need coverage for high-dollar art and expensive jewelry and furs, that would be a separate concern.

This provides coverage against direct physical loss, damage, or destruction of digital media, raw film or tape stock, exposed film (developed or undeveloped), recording videotape, sound tracks and tapes, and loss due to faulty equipment, development, editing, processing or accidental erasure of recording up to the amount of the insured production cost. Not all carriers offer this coverage.

Third party property damage covers damages to permanent structures of locations (i.e. walls, doors, railings, windows, floors, etc.). It would not provide coverage for things like furniture, decorations, rugs, window dressings or other things at a location that might not be a part of the permanent structure of the building. If you need that kind of coverage, please request props, sets and wardrobe coverage.

Extra Expense covers the additional costs you incur to continue production in the event of a covered cause of loss (i.e. a rented camera breaks and you have to source a new one)

Please Note: This would provide coverage for extra expenses incurred by the production due to the absence of cast or crew members because of death, disability (accident or sickness) or kidnapping. Cast coverage provides protection from pre-production through production and post-production. All cast and crew must be scheduled in advance and medical exams are required for sickness coverage. For coverage on an unscheduled basis, you may request the 'covered person extension WITH or WITHOUT sickness coverage'.

Expands cast coverage to provide for a bereavement period up to 5 days due to the death of an immediate family member.

Provides reimbursement for extra expenses incurred should an animal that is being used by the production not be able to fulfill its commitment. Please note: This would not provide a payout for an animal whose death, illness or injury is attributable to the production. That type of coverage cannot be provided on a blanket basis. If it is needed, we would need to schedule specific animals for coverage. That information can be submitted on an as-known basis.

Accident/Medical covers medical expenses attributable to on-set injury, death or dismemberment. It does NOT cover claims related to illness. Accident Medical coverage cannot be offered if you have worker's compensation in place. It is typically NOT an acceptable substitute for worker's compensation. So, if you're being required to have worker's compensation, we would recommend that you clear it with whomever is requiring you to have workers compensation before relying on this kind of policy to cover your interests.