Film & TV Production Insurance

Statutory Liability insurance is designed to help protect you and your business from fines or penalties imposed by the courts, and the costs of defending yourself for unintentional breaches of most laws in New Zealand.

Employers Liability insurance covers employers against claims by their employees for damages as a result of personal injury arising out of or suffered during the course of their employment that is not covered by ACC.

A standard policy covers all property and business interruption expenses on all types of productions. Coverages can include:

• Cast Insurance aka Film Producers Indemnity
• Props, Sets & Wardrobe
• Miscellaneous Equipment
• Office Contents
• Content Media
• Extra Expense
• Money

An E&O policy provides Legal liability coverage, including defense costs, for claims alleging unauthorized use of titles, format, ideas, characters and plots; plagiarism and unfair competition. Also provides coverage for alleged libel, slander, defamation of character or invasion of privacy.

Cast Insurance reimburses the production company for any extra expense or cost necessary to complete the principle photography of a covered production due to the death, injury or sickness of any covered performer or director.

An “essential element” is any person deemed indispensable to the production.

This coverage provides the producers with the right to abandon a shoot in the event the essential element becomes incapacitated due to an accident, illness or death, for a specified time, which prevents the completion of the production.

In the event of abandonment, the producers are reimbursed for all costs spent or incurred prior to the abandonment of the production.

Extra Expense reimburses the production company for any extra expense incurred as a result of interruption, postponement, or cancellation of a production as a result of loss or damage to property or facilities contracted by the production.

Provides coverage for loss or damage to office furnishings and equipment located in a temporary space.

Protects against loss or damage to property such as cameras, portable generators, lighting and sound equipment rented by the production company.

Provides coverage for props, sets, scenery, costumes and wardrobe against risk of direct physical loss, damage or destruction during the specified production period.

(a)      Content Media – Physical Loss aka Negative Film & Videotape
Coverage against all risks of direct physical loss, damage or destruction of raw film or tape stock, exposed film (developed or undeveloped), recording videotape, sound tracks and tapes, up to the amount of the insured production.

(b)     Content Media – Faulty Perils aka Faulty Stock, Camera & Processing
Covers loss, damage or destruction of raw film or tape stock, exposed film (developed or undeveloped), recorded videotape, soundtracks and tapes, caused by or resulting from fogging or the use faulty equipment (including cameras and video tape recorders), faulty sound equipment, faulty developing, faulty editing and faulty processing and accidental erasure of video tape recording.

Coverage does not include loss caused by errors of judgment in exposure, lighting or sound recording, from use of incorrect type of camera, lens, raw film or tape stock. 

Faulty Stock, Camera and Processing coverage can be purchased only with Content Media – Physical Loss aka Negative, Film and Videotape coverage.

Coverage for money and securities lost due to fire, burglary or armed robbery.