Welcome to the SNRP Film Entertainment Insurance Information Page.
While the vast majority might not find it very useful, the fact is, without entertainment insurance, we might just find ourselves without entertainment. That is because entertainment insurance has become very much tied to the entertainment industry, and no production ever gets off the ground without an insurance policy in place.
Entertainment insurance refers to an all-risk insurance policy for entertainment productions like film, festivals and trade shows, concerts and productions, special events, and sporting events. A typical all-risk entertainment insurance policy protects entertainment productions from the risk of:
- general liability
- damage to property
- damage to rented and owned equipment
- damage to props, sets and wardrobe
- Participants’ and spectators’ injury
- Event cancellation
- Workers’ compensation
Still, there are special programs that supplement all-risk programs: weather insurance, insurance for venues, and insurance for key artists and key actors. Weather insurance was put in place to protect the revenue of producers in cases of adverse weather like snowstorms. Insurance for venues, meanwhile, is attached to an all-risk entertainment insurance policy. Insurance for key artists and key actors protects the investment of producers in case, for example, a lead actor in a movie cannot go on with filming.
Although some of the risks covered in an all-risk entertainment insurance policy might seem remote, entertainment insurance can best be appreciated in light of bodily injuries during an entertainment event.
Case Study
At a college meet, 18 year-old Michelle Arcenal was sitting on the bleacher at a baseball game when the ball hit her right on her side after it was hit by the bat. The incident was an accident, but it did left her reeling in pain that an ambulance had to be called.
A representative of the event organizer, and a representative of the insurance carrier, went to Michelle at the hospital. After careful assessment, it was determined that Michelle was qualified for compensation for spectator’s injury. The organizer, through the insurance provider, subsequently paid for Michelle’s hospital bill.
Michelle is just one –there are many other cases where injured victims benefited from entertainment insurance.
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Contact: insurance@snrpucc.org