A. Property
Coverage may be provided for
  • Building and/or Additions and Alterations
  • Personal Property (owned and of others)
  • Computer Equipment (hardware and software)
  • Loss of Business Income - protection against your loss of earnings during the time required to rebuild or repair property damaged or destroyed by fire or some other insured peril.
  • Extra Expenses - coverage for your business to pay the extra costs of keeping you in operation despite damage to or destruction of your facilities. This may be combined with the Loss of Business Income coverage.
  • Employee Dishonesty - covers loss arising out of the fraudulent act of employees.
  • Money & Securities - covers loss or destruction of money and securities from almost any cause other than employee dishonesty and forgery. Loss may occur either inside or outside the insured's place of business.
  • Valuable Papers and Records - damage to valuable papers and records on the premises
  • Accounts Receivable - loss to accounts receivable which may be uncollectible through damage to records caused by an insured peril. Includes offset of collections and additional expense resulting from impaired records.

B. Commercial General Liability
This covers you for claims arising out of Bodily Injury or Property Damage to others resulting from incidents that may occur during the production. When the production uses aircraft, watercraft over 26' in length, or vehicles, special Liability coverage is necessary. Coverage excludes injury to employees and damage to property of others while in your "care, custody or control."

C. Automobile Liability
Provides coverage for your Legal Liability arising out of the use of owned, non-owned or rented autos. The coverage can also be extended to include Physical Damage (Comprehensive and Collision) coverage for owned or rented vehicles where required.

D. Excess/Umbrella Liability
This provides higher limits of Liability. The policy is usually necessary anytime limits over $1,000,000. are required. Most airports and some municipalities are now requiring limits of $5,000,000. or $10,000,000.

E. Foreign Liability Coverage
Comprehensive General and Automobile Liability coverage typically protects you from claims that occur in the United States, including its territories and possessions, Puerto Rico and Canada. There is only limited protection beyond this for foreign locations. If you are involved with a production beyond these territories, you should check with your insurance broker to determine if additional coverage's should be considered.

*Note: The coverage descriptions provided herein are general and are not a complete explanation of the policy terms and conditions.

   

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