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Picking up filmmaking insurance. (5 posts)

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drake said 1 year, 2 months ago:

Hello again. I have a question about getting insurance. I just had my walk through of the site I’m going to be filming at this summer. The building wants me to pick up insurance. This will be my very first film and I’m not sure what I need to get.

I didn’t plan in my budget for insurance. I never even read about it. I see some sites online but the quotes are crazy high. How does a indie filmmaker afford those rates. I’ve seen some as much at 20k. I’m sure I’m doing something wrong when I’m looking.

I am renting out a hospital for 500 dollars a day for 6 days. They would like me to have insurance in case I burn the place down or something hehe. What options would I have to save cost. And does anyone have a good place to pick some up? There are no dangerous stunts or anything in the movie also.

I was hoping to maybe just sign a waiver or something so they are not liab. if we get hurt but I know they want something if I ruin or break something. Thanks guys.

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John P. Hess said 1 year, 2 months ago:

For no-budget/micro budget, insurance ends up being the majority of your budget :)

If this is just for the feature you’re shooting – you want to look into short term insurance for productions under $1 million dollars. I once priced this and it came out to around $700 or so… prices could have changed drastically.

The minimum General Liability insurance requirement for productions is usually $1,000,000 (that’s how much the policy will pay, not how much you pay) but keep an eye out on special requirements from places you want to shoot. I know that shooting on San Diego municipal property, although it’s free, requires $2,000,000.

Beyond that (like the difference between Liability and Workman’s Comp) I’ll avoid answering because I just don’t know enough.
All my Best,
John Hess
Creative Industries Media Group | GospelJohn.net

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Anthony Law Liddle said 1 year, 2 months ago:

I’m not a hundred percent as I’ve always done guerrilla filmmaking, but you might want to check with the company that does your renters insurance. When I was married, we had to insure the property for a day. I hate to sound all commercial like, but I talked with my statefarm agent, and they had a “event insurance” policy that took care of it.

I only had to insure for $300,000, and it came out to 30 bucks. It might be worth a call to your personal agent.
“The first thing a writer should be is – excited. He should be a thing of fevers and enthusiasms. Without such vigor, he might as well be out picking peaches or digging ditches; God knows it’s better for his health.” -Ray Bradbury

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Da_Cat said 1 year, 2 months ago:

Decent prices for Production Insurance can be found at the following

Production Insurance

http://www.johnhartinsurance.com/

John Hart
John Wm. Hart III Insurance Agency, Inc.
1800 Century Park East, Suite #600
Los Angeles, CA 90067
Phone: 310-789-5865
Skype: johnhartinsurance
License #0G13487

A. J. Gallegher risk management

You can also try Film Emporium

and Wells Fargo also offers insurance as does fireman’s fund

check out the productionhub website also
Films are never totally finished……
….. they just get a release date!

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drake said 1 year, 2 months ago:

Thank you all for the info. I am going to check these out this next week. I’m going to contact my auto and renters insurance I use now. I will also talk to a buddy that is a manager at Wells Fargo. I’ll let you know how it goes.

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