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The Art of Food Photography
Instagram's favourite food captured by a professional food photographer and a social media-loving foodie. How do their styling and techniques differ?
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Coronavirus help and support for our insurance customers
Specialist film and TV production insurance policies
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During this unprecedented and uncertain time, we are still continuing to provide a full service to all our customers. At the moment it may be quicker for you to email us on camerasurerenewals@towergate.co.uk and we will respond to you as soon as possible. Apologies for any delays you experience at this busy time.
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.
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.
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.
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.
Our claims are handled in-house by one of our specialist multimedia insurance team. Their knowledge of film and video equipment and the multimedia industry mean that you are in safe hands.
If something happens and you are unsure if a subsequent claim will arise, we recommend that you contact us anyway. We’re here to help and can discuss the circumstances without prejudicing your policy. We can either put your mind at rest or advise on the best way forward. You should not admit liability until you have spoken with us.
Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.
Please keep all information relevant to the claim; this will help us to handle your claim as efficiently as possible. Remember; do not admit liability until you have spoken with us.
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Instagram's favourite food captured by a professional food photographer and a social media-loving foodie. How do their styling and techniques differ?
View infographic
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We are able to offer a range of public liability indemnity limits including £1m, £2m, £5m and £10m as standard. Employers liability is covered for £10m as standard to meet the minimum requirement by law.
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.
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.
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 insuranceGet insured against raw film, videotape, prints images and tapes from loss, damage and destruction.
Loss of hire feesInsurer 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 InsuranceCover for loss, destruction or damage to any money used during the production for cash or cheques
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 insuranceIf your company is registered to fly commercially we can look to provide a fully compliant EC 785/2004 insurance policy. Find out more here.
Public and employer's liability coverPublic 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 employers' 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 employers' liability insurance protection.
Towergate film and TV production insurance excesses vary but full details can be found on your policy documents.
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for annual policies spreading payment over ten months.
Short term policies cannot be spread over monthly payments.
Please visit our dedicated Direct Debit page to find out more.