Film Public Liability Insurance – What is it? Public Liability covers any harm, injury or damage you or anyone working for you might cause a third party. Keep in mind that it is possible to purchase this insurance just for individuals, and many freelancers have their own, but it is worthwhile purchasing insurance that will cover the entire film production and its staff.
What should the film Public Liability Insurance Certificate contain? When applying to The Office of Film, Theatre and Broadcasting for a filming permit, the certificate of insurance must include:
- The name and address of the insured person or Production Company
- The Certificate Holder must read as follows: The City of New York Mayor’s Office of Film, Theatre and Broadcasting 1697 Broadway, Suite 602 New York, NY 10019
- The Description of Operations on the certificate must read:
“The City of New York is named as additional insured pursuant to, or with coverage at least as broad as, ISO Form CG 20 12 (07/98 ed.).”
- The policy must provide at least one million dollars in coverage [usually listed as 1,000 thousands] in US currency or its equivalent of Comprehensive General Liability for each instance of claim
- The name of the insurance company and the broker. It must include the broker’s signature and phone number
- The policy number
- The validity of the policy including both the start date and expiry date
- A statement that the policy may not be modified or cancelled without seven days prior written notification to The Office of Film, Theatre and Broadcasting
If the project is a student’s film, they must obtain a letter from their school, on the school’s letterhead, stating the student’s name, their student work load (i.e. full-time, in good standing), the dates of the shoot and the signature of an appropriate person from the school. Besides film public liability insurance, other types of insurance that may be considered include:
Films, Movies and TV Insurance: When filming, there are lots of thing that may affect the outcome of your production. Weather, faulty equipment and accidents are just a small list of the things that could go wrong however this type of insurance will cover these instances.
Artist Liability Insurance: Losing a key artist or actor can be very damaging to your production. Additional remarks made by one of your artists or actors can also bring a rush of lawsuits so purchasing adequate artist liability insurance is a smart move.
Production Insurance: This is probably one of the most important things a filmmaker needs to take into consideration before filming a project. Essentially, there are three reasons: Legal, Contractual and Asset Protection.