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Frequently Asked Questions: Film Production and Equipment Insurance

• What is film production and equipment liability insurance?
  What is film production and equipment liability insurance?

  Members of Fractured Atlas can purchase insurance to cover their film production, including equipment and activities. Thanks to the combined purchasing power of thousands of filmmakers in the Fractured Atlas community, this coverage is available at significantly lower rates than would otherwise be possible. Film production insurance (also known as liability insurance) is generally required by venues and locations where you're filming. It mainly covers against damage to the space itself and injury to those in attendance who are not working on your film. Equipment insurance, if requested, can cover as much rented or owned equipment (against damage, theft, loss, etc.) as the member needs. Equipment can be film/video equipment, computers, props, etc. Rental Reimbursement insurance can also be added to the policy. This covers payments for rental equipment if you lost/damaged your equipment and needed to rent new equipment to keep filming. Negative Loss coverage can also be added to this policy. This insures the film negatives/tapes against damage/loss and covers reshoot/post production costs incurred as a result of this loss. Individual filmmakers and film production companies are eligible for insurance.

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• My film shoot is short. Can I just get a short-term policy?
  My film shoot is short. Can I just get a short-term policy?

  Both fortunately and unfortunately, Fractured Atlas only provides annual film and equipment policies. Short-term policies would not be cost effective for our members. What does this mean for you? Well, these annual policies will cover any and all film shoots you do throughout the year. The equipment policies will cover any and all equipment you rent/own that is used during these shoots.

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• What are the limits of this insurance?
  What are the limits of this insurance?

  The general liability insurance covers $2,000,000 general aggregate, $1,000,000 personal and advertising injury, $1,000,000 each occurence, $300,000 fire damage legal liability, and $10,000 medical expense coverage per occurrence. The equipment insurance covers however much equipment value you request on the original application. This covers against loss, theft, damage, weather damage, etc. Rental Reimbursement covers up to $100,000 worth of rental costs. Negative Loss covers up to $100,000 worth of the negatives and reshoot/post production costs incurred as a result of negative/tape damage/loss.

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• Is there a deductible?
  Is there a deductible?

  There is no deductible on the general liability policy. On the equipment, Rental Reimbursement, and Negative Loss policies, there is a $1,000 deductible, unless it's a result of damage done by certain types of weather (hail, earthquakes, etc.), at which point the deductible is $10,000.

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• How much does it cost?
  How much does it cost?

  Each policy must be individually underwritten by the insurance company, so we can't guarantee a particular rate in advance. However, the rates for film policies are generally consistent. The general liability insurance is usually $350 (not including our binder fee) and equipment insurance is generally rated at about $.60 per $100 worth of equipment plus $250 (not including the binder fee). These rates are extremely competitive, if not the best on the market, as this program was designed especially for Fractured Atlas members -- no one else has access to these policies. Adding Rental Reimbursement insurance to the policy will automatically add $250 to the premium. Adding Negative Loss insurance to this policy will automatically add $800 to the premium. All film and equipment policies are annual. Films with stunts and/or pyrotechnics might receive a higher premium for the liability insurance.

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• What can be insured under these policies?
  What can be insured under these policies?

  Any type of film or video production (except pornographic) can be insured under these policies. Any type of related equipment (film/video, lighting, sound, computers, editing software, props, etc.) can be insured under the equipment policies.

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