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FAQ category: Production General

The difference between the CPI and media production policies relates to the level of cover they provide under the cast section which covers reshoot costs in the event that an essential member of crew is unavailable. The media production policy will only cover reshoot costs if the individual is unavailable due to death, accident or sickness whereas the CPI policy covers non-appearance due anything beyond your control. This would include if the individual were unable to travel due to adverse weather, wild cat airline strikes, ash clouds or road accidents.

Both policies exclude non-appearance due to Covid or pre-existing condition and non-appearance of talent is only covered if pre-agreed in advance of the shoot with the insurers.

Yes, we are able to offer both annual and one-off cover. However, we would always recommend that clients take out annual production insurance as this will provide peace of mind that any shoot you are producing will be covered. Annual policies tend to be more cost-effective as insurers charge lower rates for annual production policies.

The insurers charge a rate on the production budget (one-off policy) or the total value of annual production (annual policy).

It protects both. It protects the production companies for claims that may arise from their legal liability and damage to equipment, sets and props.

If you purchase media production or commercial producers’ indemnity, the policy is also providing essential protection for your client, as it is covering their investment / budget.

The protection for the client is by virtue of the fact that the policy includes re-shoot costs. If things beyond your control go wrong, the policy will cover the re-shoot costs without the client having to pay twice! Please remember the cover for re-shoot depends on which product is taken. The two options being media production or commercial producers’ indemnity, the difference being explained above.

Ad wrap insurance is a policy taken out by ad agencies and clients to cover all aspects of a shoot. This would include all aspects of the media production and CPI policies mentioned above but would also include things like the products of the shoot and non-appearance of talent which production companies would not typically be expected to insure.

  • Public and Employers’ Liability – your legal liability to injury or damage.
  • Equipment (owned and hired), props, sets and wardrobes – all risks damage and theft. Our policies also cover the continuing hire charges that you are legally responsible for up to a maximum of 13 weeks.
  • Cast – This protects the production for the re-shoot or production costs should an insured person be prevented to commence, continue or complete their duties and performance in that production due to their death, injury or illness.
  • Production Media – The insurance covers the production for the re-shoot or production costs following physical loss of, damage to, or destruction of production media by any cause.
  • Extra Expenses – The insurance will pay for the interruption, postponement or cancellation of the production due to physical loss, damage or destruction of property or facilities used by the insured party for that production.
  • Third party costs- This provides cover for production costs not included in your original budget but for which you may become responsible for in the case of a re-shoot. This might include such costs as model or talent fees, advertising agency costs and your client costs.

In very simple terms, professional indemnity covers you for mistakes or allegations that you’ve made a mistake. Compensation to your client (or a third-party) in circumstances where you are liable due to professional negligence (plus any associated defence or legal costs are normally covered in addition).

A basic professional indemnity product will only protect you against allegations of negligence. There are, however, professional indemnity policies that cover a lot more, such as the policies we provide for our production companies. Matters such as breach of intellectual property including copyright infringement, breach of confidentiality and breach of confidence are often covered under more comprehensive professional indemnity policies.

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