mechjustin
Carbonite Member
Must I get insurance / liability for a low budget film for my crew and equipment?
Insurance
- Thread starter mechjustin
- Start date
Macville
Well-known member
If you are paying anyone anything for working on the film (actors or crew) then yes, it would be very wise. If it's a bunch of friends just filming at each other house's, then I probably wouldn't worry about it.
Just remember, even if it is friends--as the director/producer you could be held responsible if anything goes wrong.
More details would be helpful though (and don't take my word as law!)
Matthew
Just remember, even if it is friends--as the director/producer you could be held responsible if anything goes wrong.
More details would be helpful though (and don't take my word as law!)
Matthew
mechjustin
Carbonite Member
Okay well thank you for the responce, I am putting together a low budget film and I will hire a crew for it, I'm just not that informed with legal action I must take in regards to crew and equipment.
moonlitnite
Well-known member
Actually, getting insurance is just the tip of the iceberg. Sure, we all enjoy the artistic side of filmmaking, but there is a time to put on our business hat. I recommend you purchase a few related books so you'll be going to biz with your eyes wide open.
Happy Hunting, Michael
shutterspeedfilms
Well-known member
Some states don't require a permit to film in public, but DO require proof of insurance (especially to film on state property) to be on hand at all times.
So if not for liability's sake, do it to prevent being harrassed by government agencies and police.
So if not for liability's sake, do it to prevent being harrassed by government agencies and police.
Ralph D
Active member
Why does offering payment make a difference?
I've had quite a few questions about this subject so I'm curious as well.
Macville
Well-known member
Well, if something happens on the set and you get sued, a judge is more likely to rule in your favor if it was a bunch of friends not getting paid rather than a paid production. Insurance is just as much about protecting yourself as protecting your crew or equipment. I think my $4 mil (upto 2, $2 mil payouts each year) plan was under $150 a year. The $80,000 in equipment insurance was what was expensive!
Matthew
Kenn Christenson
Well-known member
Who's your insurer, if you don't mind telling. I'm doing an indie feature, as well and want to cover my bases. Thanks.
shutterspeedfilms
Well-known member
By the way, when you apply to take out insurance, be sure to tell the company that you're doing a big action film where "lots of people get blown away". :grin:
Macville
Well-known member
The policy is through a local agent, but the underwriter is the Hartford. I don't know if it would be different because you are a single production (while I am a production company), but find an agent that carries them.
Matthew
