What’s the difference between Production Insurance and Professional Indemnity Insurance?

Two Insurance policies that appear to be quite similar are Production Insurance and Professional Indemnity Insurance. They couldn’t be more different! So, what’s the difference between them?

Professional indemnity Insurance is traditionally for claims resulting from you, your employees or freelancers negligence. Typically, there needs to be evidence you have been negligent. Crucially for production companies, it also covers matters such as breach of intellectual property, copyright infringement, breach of confidentiality. This tends to be matters within your control.

Production Insurance/re-shoot is for matters outside your control. For example, sometimes a memory card corrupts, a camera unexpectedly fails whilst on a shoot or a hard drive is damaged or stolen. These are matters outside of your control.