You Have Questions? We Have Answers!Solutions And Answers To Your Most Commonly Asked Questions

  • Production Coverage

    CAST INSURANCE (FILM PRODUCERS INDEMNITY) INCLUDING PRE-PRODUCTION AND POST-PRODUCTION INDEMNITY
    Provides coverage for additional or extra costs incurred in the completion of the film over and above the normal budgeted costs, occasioned by the death or disability (accident or sickness) of any specifically scheduled person. This is basically an "extra expense and/or abandonment" coverage. A medical examination is normally required within twenty-one days prior to commencement of filming.

  • PRE-PRODUCTION INDEMNITY

    This insurance protects the production company should incurred cost and expenses be tied to the availability of a contracted director, producer or actor; it also covers extra expense incurred in the event of death or disability of an insured director, producer or actor during Pre-Production.

  • EXTENDED PRE-PRODUCTION INDEMNITY

    This insurance is normally required when the period of insurance is measured in months rather than weeks (otherwise the Pre-Production element of the Film Producers Indemnity insurance is adequate).

  • POST-PRODUCTION INDEMNITY

    This provides coverage similar to Cast insurance for directors, producers, editors and others during the post-production period. It is needed when delays due to the disability or death of such persons would cause the production company to incur considerable extra expenses in completing the film.

  • NEGATIVE FILM, VIDEOTAPE AND MASTER TAPE FLOATERS INCLUDING FAULTY COVERAGES; ACCIDENTAL ERASURE COVERAGE FOR VIDEOTAPE

    Covers all risks of physical loss or damage to the negative film, tape, digital and indemnifies the production company for the extra expenses to re-shoot the lost or damaged material, or for aborted costs in case of abandonment.

     Faulty coverages include:
    •  Fogging, or the use of faulty materials, faulty cameras or videotape recorders, or faulty sound equipment or soundtracks;
    •  Faulty developing, editing, or processing;
    •  Cutting, physical editing, cueing or other laboratory work; or accidental erasure of videotape recordings or soundtracks;
    •  Accidental exposure to light.

  • PROPS, SETS AND WARDROBES

    This is an "All Risk" protection covering owned property or the property of others while used or to be used in connection with the insured production.

  • MISCELLANEOUS EQUIPMENT

    Includes cameras, sound, grip, electrical, lighting, communications and musical instrument equipment, production location equipment (fixed and mobile), recording equipment, theatrical property and all related property, covering all risks of loss or damage on a worldwide basis for owned and rented equipment used or to be used in the insured production.

  • EXTRA EXPENSE INDEMNITY

    Reimburses the production company for any extra expense (additional costs) necessary to complete principal photography of an insured production due to the loss, damage or destruction of property or facilities (props, sets, wardrobe or equipment) used in connection with the production. Coverage includes losses due to faulty generator operation and mechanical breakdown of cameras.

  • THIRD PARTY PROPERTY DAMAGE (COVERING PROPERTY OF OTHERS WHILE IN YOUR CARE, CUSTODY OR CONTROL ONLY)

    This covers buildings, personal property and facilities utilized in the production, which is excluded from General Liability policies.

  • OFFICE CONTENTS

    Covers business personal property including furniture, fixtures, tenant's improvements and betterment’s, and office equipment against all risk of direct physical loss or damage.

  • HIRED VEHICLE DAMAGE

    Pays for damage to or destruction of mobile equipment vans, mobile studio units, cinemobiles, honeywagons, generators, portable dressing rooms and similar type vehicles. Coverage applies to declared vehicles for amounts up to specified values or limits. Coverage may also apply to motor vehicles owned by the production company or any rented private passenger cars, if specifically endorsed to the policy. This coverage is sometimes provided in a policy combined with Non-Owned Automobile Liability coverage.

  • Property and Liability Coverages

    PROPERTY
    Coverage may be provided for:
    •  Building and/or Additions and Alterations;
    •  Personal Property (owned and of others);
    •  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.

  • 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".

  • AUTOMOBILE LIABILITY

    Provides coverage for your Legal Liability arising out of the use of either 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 when required.

  • 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.

  • WORKERS' COMPENSATION

    You are required by state law to carry this insurance and it applies to all personnel, temporary or permanent, including "independent contractors", unless they have provided you with proof (Certificate of Insurance) that they carry their own insurance. This coverage provides medical, disability, death benefits and a portion of lost wages to personnel for incidents occurring in the course of their employment and operates on a 24 hour basis whenever employees are on location away from their home base.
    The coverage also includes Employer's Liability in the event of an employee making a claim alleging that your negligence was contributory to the injury.

  • 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 coverages should be considered.

  • Producer’s Errors & Omissions

    This coverage provides protection against third party Liability claims and suits arising out of:

    •  Invasion or infringement with the right of privacy or publicity, whether under common law or statutory law;
    •  Infringement of copyright or trademark whether under common law or statutory law;
    •  Libel, slander or other forms of defamation;
    •  Unauthorized use of titles, formats, ideas, characters, plots, performances of artists or other performers or other program material embodies in the insured production but only as to such claims based upon infringement of copyright or common law property rights in literacy or musical material, plagiarism, unfair competition or privacy;
    •  Breach of contract, implied in fact or in law, resulting from the alleged submission or program, musical or literacy material used by the Insured in the insured production; all of which has been committed or alleged to have been committed by the production in connection with the creation, production, performance, distribution, exhibition, broadcasting, advertising or publicizing of the "Insured Production".

    These coverages are normally worldwide. The application forms a part of the issued policy and is of the utmost importance, must be completed in every detail, signed by the Insured and is currently dated.

    All applications are subject to clearance by legal counsel of the insurance company.

  • Specialty Coverages

    FOREIGN HEALTH, ACCIDENT, SICKNESS

    Coverage is provided for individuals and /or production crews traveling abroad for business or pleasure: foreign citizens groups traveling to the U.S. for business or pleasure: foreign citizen groups traveling outside their country of permanent residence.

    Accident and Sickness/Medical Insurance-pays for medical or surgical treatment should any injury or sickness occur.

    Accidental Death and Dismemberment (AD&D)- 24 hour coverage provided for loss of life, limb, hearing, speech, or eyesight.

    Emergency Medical Evacuation-pays to evacuate to a better equipped facile or hospital should this be required because of a serious injury or sickness.

    In-Hospital Benefit-Coverage exclusively for medical or surgical expenses for the actual costs incurred while confined to a hospital facility.

    Repatriation-should an untimely death occur, all reasonable cost for returning a body to the country of residence.
  • ADVERSE WEATHER, EXTRA EXPENSE INDEMNITY OR RAIN INSURANCE

    This coverage pays for extra expenses actually incurred by the production company in the event of postponement, cancellation or abandonment of any or all of the filming due to adverse weather (or rain) which reasonably and necessarily prevents the filming from taking place.
  • CONFISCATION, EXPROPRIATION, NATIONALIZATION, AND DEPRIVATION RISKS

    Covers negative film, instruments, equipment and/or all other personal property taken into foreign countries against loss or damage to insured property directly caused by confiscation, seizure, appropriation, expropriation, deprivation, nationalization, requisition for title, use, willful destruction by or under the order of the government (whether civil, military or de facto) and/or public or local authority of the country in which the insured property is covered, excluding war.

  • POLITICAL RISKS INSURANCE

       An Extra Expense coverage which indemnifies the production company for extra costs incurred in the event of the loss of permission to continue operations in a particular country; the revocation of permits, licenses or approvals to conduct the activities of the Insured in that country. It pays the ultimate Extra Expenses incurred in going elsewhere to complete the same production activity as originally scheduled.
    1.  Import/Export Embargo and Other Related Coverages: These involve import and export credit arrangements, the matter of collections and currency problems including repudiation/cancellation of contracts, etc. – this coverage is available but seldom considered by production companies.

  • WAR RISK COVERAGE

    Available on property while in transit only and only when the period of exposure is less than twelve months duration.

  • KIDNAP AND RANSOM AND EXTORTION COVERAGES

    This coverage can be placed on any individual or the entire company personnel either domestically or foreign.

  • ANIMAL MORTALITY

    Covers the death of land, sea and air creatures for their specified value. Coverage can be arranged on an "All Risk", Specified Perils Only to Transit Only basis.

  • ANIMAL EXTRA EXPENSE INDEMNITY

    This covers additional or extra costs incurred in the completion of the production necessitated by the death or disability of a specified insured land, sea or air creature.

  • GUILD/UNION ACCIDENT COVERAGE

    This is a Blanket policy which covers the contract requirements of all production company members as provided for by the motion picture and television guilds, including IATSE/NABET/ SAG/SEG/WGA/PGA/DGA and other guilds/unions, for accidental death, dismemberment and/or disability insurance. Coverage is blanket and the limits of Liability meet all signatory requirements. It covers the various modes of transportation, including extra-hazardous work, underwater filming, etc. as recited in the various guild agreements; and even extends to non-union employees.

  • WATERCRAFT HULL AND LIABILITY INSURANCE

    Covering owned or rented watercraft used in the production including:
    •  Charterer's Liability
    •  Protection and Indemnity Coverage
    •  Hull Physical Damage

  • AIRCRAFT HULL AND LIABILITY INSURANCE

    Covering fixed wing aircraft and helicopters owned and/or non-owned or hired for use in the production. Normally Aircraft Company is responsible to cover the Production.

  • GROUP OR INDIVIDUAL HEALTH COVERAGE

    Health insurance can be purchased for your permanent staff, individuals or cast and crew for some productions.

  • BUSINESS LIFE INSURANCE

    Individual Life insurance may be desired to protect your company from the financial loss caused by the death of a key staff member. Life insurance is also used to fund a Buy-Sell arrangement between owners or stockholders.
  • OTHER COMMERCIAL COVERAGES AVAILABLE AND OCCASIONALLY REQUIRED OR ADVISABLE IN THE USA AND IN FOREIGN COUNTRIES ARE:
    •  Non-Appearance Indemnity
    •  Non-Performance Indemnity
    •  Event Cancellation
    •  Closed Circuit TV Failure
    •  Television Transmission Failure
    •  Railroad Protective Indemnity
    •  Depositor's Forgery
    •  Blanket Crime Coverage
    •  Actors Equity Coverage
    •  Catastrophe Cast Coverage
    •  Special Union Insurance
    •  Foreign Workers' Compensation
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Mission Statement

Worldwide Entertainment Insurance, Inc. is a professional organization dedicated to providing clients with the best insurance solutions possible with value pricing. We will establish and maintain a successful partnership with our clients, our staff members, and our insurance companies who respect the interests and goals of each party.

Worldwide Entertainment Insurance, Inc. an independent insurance agency is committed to the principles of service, integrity and professionalism while providing our valued clients the highest quality of service with the goal of exceeding their expectations.