Film and TV Production Insurance

Specialist film and TV production insurance, with policies for a wide range of production types including feature films, TV documentaries, music videos and commercials.

About Film and TV Production Insurance

Document

Short term and annual policies

Short-term and annual policies for individual film projects and multiple shoots

Camera Travel

Tailored film insurance for you

We have a range of cover including for your owned or hired-in kit, negatives, and public or employers’ liability

Certificate

Commercial producer's indemnity

We offer commercial producer's indemnity and professional indemnity cover

Direct Debit

Pay by Direct Debit

You can split your film and TV production insurance payment into 10 monthly instalments. For more details, please visit our dedicated Direct Debit page

Features of Film and TV Production Insurance

Standard cover

Film and TV production insurance

Production insurance is a necessity whether you are producing a documentary for broadcasters or shooting a feature film for worldwide release. Should the shoot be interrupted, we protect you against costs for cast, crew and film equipment, but note that acts of fraud or dishonesty by employees will not be covered. We work closely with you to ensure that cover is tailored to your needs, and we can offer cover for shoots in the UK, EU and worldwide. Protect the time and effort spent on your productions by working with us to ensure your cover suits your project's needs. All risks owned and hired-in equipment Our standard policy can provide cover for any owned technical equipment and hired-in equipment. Equipment is covered on an all risks basis any can be extended to include cover worldwide if your production takes you abroad. We can also include any production office contents and other property including props, sets and wardrobes.

DSLR camera insurance while you are travelling

Our DSLR insurance policies include the option to cover your camera and equipment when travelling, for up to 45 days in any one trip. Just check the country you're travelling to is included in your policy, or ring us to make 100% sure.

Short-term and annual film insurance

If you are producing content all year round in the form of corporate events, or shooting webisodes or promotional content for advertising agencies, our annual policies might be the best fit for you. The policy is designed for frequent use of hired equipment along with liability protection for production team members. If you are shooting music videos, or a short film for a festival or a sporting event, we also offer short-term cover that may be more in line with your project's needs.

Commercial producer's indemnity

Production insurance, also known as producers indemnity, will protect your production budget against interruption, postponement, cancellation or abandonment of the production due to unforeseen circumstances. Cover will provide any additional expenditure incurred to complete the production for circumstances not under your control. Provided on an annual or short-term basis cover is provided on the total production budget. If annual this would be the total for all productions for the year.

Film and TV Production Insurance FAQs

Question

Do I have to pay an excess in the event of a claim?

Answer

Yes, Towergate DSLR insurance excesses vary but full details can be found on your policy documents or you can contact one of the team.

Question

What level of liability insurance do I need for my film production policy?

Answer

We are able to offer a range of public liability indemnity limits including £1m, £2m, £5m and £10m as standard. Employer's liability is covered for £10m as standard to meet the minimum requirement by law.

Question

How do I know the value of equipment I want to insure?

Answer

You can check how much your multimedia equipment should be insured for by finding the price of the equivalent model on the market today. Because we replace your items on a new for old basis, the price for the latest equivalent version of your equipment is a good place to start when deciding values for insurance. Don’t forget, if you are VAT-registered you can deduct this from your value.

If you are hiring equipment the hire house will usually provide an insurance value they require you to insure the kit for.

Question

Is my equipment covered abroad?

Answer

You will need to tell us where you are working geographically to make sure we can cover your production. We are able to provide a worldwide extension to cover the full production for all your equipment and liabilities.

Question

Are there any other covers included for film insurance?

Answer

Professional indemnity

Insurers will indemnify you for any negligence, breach of a duty of care, infringement of IP, copyright and trademarks. Also known as errors and omissions insurance this type of policy covers you for any professional negligence for the work you do.

 

All risks negative and videotape insurance

Get insured against raw film, videotape, prints images and tapes from loss, damage and destruction.

 

Loss of hire fees

Insurer will indemnify you in respect of loss of hiring charges for which you are responsible under conditions of hire arising directly from accidental loss destruction or damage of equipment.

 

Money insurance

Cover for loss, destruction or damage to any money used during the production for cash or cheques.

Question

What other covers can you provide?

Answer

Group travel and personal accident

If you are travelling abroad with your production we can look to offer group travel insurance to cover any medical expenses. Travel will need to be from the UK.

Commercial drone insurance

If your company is registered to fly commercially we can look to provide a fully compliant EC 785/2004 insurance policy.


Public and employer's liability cover

Public liability cover is especially important for film projects which may involve interaction with the public or performances in public areas, and how much cover you need will depend on the size of your project. If you’re unsure how much cover you need, tell one of our knowledgeable advisers about your business and they’ll be able to help you get the right cover. It is also a legal requirement in the UK to have employer's liability insurance and this will protect your cast & crew to from loss or injury while carrying out work for you.

We can tailor-make you a policy which includes the right levels of all types of public and employer's liability insurance protection.

Question

Do I have to pay an excess in the event of a claim?

Answer

Towergate film and TV production insurance excesses vary but full details can be found on your policy documents.

Question

Can I pay in instalments?

Answer

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

Short term policies cannot be spread over monthly payments.

Question

Where can I find more information about monthly Direct Debit?

Answer

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 01489 770325 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim