DICE Producer

The producer of documentaries, industrial films, commercials and educational films and digital productions may require any number of specialized coverages:

• General Liability

  Commercial General Liability for the DICE producer protects against claims of bodily injury or property damage arising out of operations in connection with filming activity. This coverage will be required prior to filming on any city or state owned property, or any location that requires filming permits. Many privately owned locations require you have this coverage before they will allow you to film on their premises. The cost of commercial general liability for DICE producers is based on their annual gross production costs.

• DICE Production Package Policy

  • The DICE Production Insurance Package policy protects you against loss incurred during the production of documentaries, industrial films, commercials and educational films. The losses covered include things such as destruction of props or sets, bodily injury or property damage caused by rented vehicles, loss or destruction of media, etc.

    • Faulty Stock & Camera

      Covers loss, damage or destruction of:

      • Raw film stock or video tape
      • Exposed film (developed or undeveloped)
      • Recorded Videotapes
      • Sound Tracks and tapes

      caused by or resulting from fogging or the use of faulty materials (including cameras and videotape recorders); faulty sound equipment; faulty developing; faulty editing or faulty processing; and accidental erasure of videotape recordings.

      COVERAGE DOES NOT INCLUDE loss caused by errors of judgment in exposure, lighting or sound recording, from use of incorrect raw stock, or faulty manipulation by the cameraman.

      This coverage can only be purchased with Negative Film and Video Tape coverage

    • Negative File & Video Tape

      Covers against risks of direct physical loss, damage or destruction of:

      • Raw film or tape stock
      • Exposed film (developed or undeveloped)
      • Videotape
      • Software and related materials used to generate computer images
      • Sound tracks and tapes

      used in connection with a production, up to the amount of the insured production cost.

      COVERAGE DOES NOT INCLUDE loss caused by fogging, faulty camera or sound equipment, faulty developing, editing, processing or manipulation by the cameraman; exposure to light, dampness or temperature changes; or errors in judgment in exposure, lighting or sound recording, or from the use of incorrect type of raw stock or tape.

    • Props, Sets & Wardrobe

      Provides coverage on props, sets, scenery, costumes, wardrobe and similar theatrical property against risks of direct physical loss, damage or destruction occurring during the production.

    • Third Party Property Damage

      Pays for damage or destruction of property of others (including loss of use of the property) while the property is in the care, custody or control of the production company and is used or to be used in an insured production.

      COVERAGE DOES NOT APPLY TO destruction of property caused by operation of any motor vehicle, aircraft or watercraft, including damage to the foregoing; liability for damage to any property rented or leased that may be covered under Props, Sets and Wardrobe, or Miscellaneous Equipment coverage.

      THIS COVERAGE IS NOT PROVIDED by a General Liability Policy. Property damage coverage written as part of a Commercial General Liability Policy excludes damage to any property in the production company's care, custody or control.

    • Miscellaneous Equipment

      Provides coverage on rented or owned camera, camera equipment, sound and lighting equipment, post production and editing equipment, portable electric equipment and generators, mechanical effects equipment, grip equipment, mobile dressing rooms and honey wagon trailer units and similar miscellaneous equipment against all risk of direct physical loss, damage or destruction occurring during a covered production, including loss of use to a rental company.

    • Extra Expense

      Provides reimbursement to the production company for any extra expense incurred to complete principal photography of a covered production due to loss of, damage to or destruction of property or facilities contracted by the production company for use in a covered production.

    • Non Owned & Hired Auto

      This coverage is can be added to the Production Package Policy. It covers physical damage to your rented vehicles, film trucks, mobile studio units, dressing rooms and other trailers, grip trucks, and other autos rented and used in connection with your production.

    • Animal Mortality

      Provides reimbursement to the production company for the declared value of the insured animal due to death and illness or disease resulting in the death of the animal.

    • Office Contents

      Provides coverage for the production company's office, its furniture, fixtures, equipment and supplies against all risk of direct physical loss, damage or destruction while property is on the scheduled premises or at other locations used during the production and while in transit between the two.

      Office contents coverage is usually needed to cover the temporary production offices set up for feature films.

    • Civil Authority

      This coverage would reimburse the production company for any extra expense incurred as a result of the prohibition of access by a civil authority to your office, shooting location, or a facility contracted by the production company.

• Workers' Compensation

  Worker's compensation coverage is required by state law and applies to all temporary or permanent cast or production crew members. Coverage provides medical, disability or death benefits to any cast or crew member who becomes injured in the course of their employment. Coverage usually applies on a 24 hour per day basis whenever the employees are on location away from their homes.

• Non Owned and Hired Auto

  Non Owned Auto coverage protects you against bodily injury or property damage caused by someone's personal car if being used while that person is working on an insured production.

• Errors & Omissions

  An Errors and Omissions policy covers legal liability and defense costs for the production company against lawsuits alleging unauthorized use of title, format, ideas, characters or plots, plagiarism, unfair competition or piracy. Errors and Omissions also protects for alleged libel, slander, defamation of character or invasion of privacy.

  Once a film, television pilot, series of television shows, or documentary is finished, the next step is normally distribution. Most distributors will require the production company obtain an Errors and Omissions policy on the production. If you are a distributor, you should always carry your own E&O policy, in addition to requiring each of the productions you distribute to be covered.