Start with how the operation works
Film, TV, and video production insurance should follow the project from development and pre-production through principal photography, post-production, distribution, and wrap. Coverage may be structured for a short-term single production or an annual schedule of multiple productions. The review should identify production budget and term, cast, crew, locations, equipment, vehicles, certificates and contract requirements, travel territory, stunts, sets, rented property, media, and the financial consequences of delay or cancellation. For commercial flood insurance, flood planning evaluates building, contents, elevation, prior loss, financing requirements, and available FEMA, private, or excess options.
Operating details to document
- Description of film, tv & video production operations, locations, revenue, payroll, and recent changes
- Current values and schedules for production general liability, workers' compensation, automobile liability and physical damage, and umbrella or excess, owned and rented production equipment, props, sets, wardrobe, negative or faulty stock, third-party property, and extra expense where available, cast extra expense, errors and omissions, travel or volunteer accident, cyber, crime, and specialized production-interruption coverage where appropriate
- Contracts, certificates, current policies, and currently valued loss history
Coverage details to review
- Building and contents flood limits
- FEMA and private-market options where available
- Excess flood capacity above qualifying underlying coverage
- Waiting periods, deductibles, exclusions, and lender requirements
Look for Gaps Before a Loss
A useful review goes beyond selecting a policy name. It connects current information to eligibility, policy structure, and the consequences of a significant loss.
- Compare current operations with classifications and named locations
- Review exclusions, sublimits, waiting periods, and coverage triggers
- Coordinate this policy with contracts and other insurance
Cast or crew injury, third-party injury, location damage, production interruption, and extra expense
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Owned or rented cameras, lighting, sound, sets, props, wardrobe, negative or faulty stock, and third-party property
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Vehicles, drones, stunts, animals, precision driving, pyrotechnics, water scenes, weapons, travel, media allegations, cyber events, and errors or omissions
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Building and contents flood limits
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
FEMA and private-market options where available
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Excess flood capacity above qualifying underlying coverage
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Waiting periods, deductibles, exclusions, and lender requirements
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Information to have ready
- Description of film, tv & video production operations, locations, revenue, payroll, and recent changes
- Current values and schedules for production general liability, workers' compensation, automobile liability and physical damage, and umbrella or excess, owned and rented production equipment, props, sets, wardrobe, negative or faulty stock, third-party property, and extra expense where available, cast extra expense, errors and omissions, travel or volunteer accident, cyber, crime, and specialized production-interruption coverage where appropriate
- Contracts, certificates, current policies, and currently valued loss history
- Property address, use, and occupancy
- Building and contents values
- Foundation, floor, and elevation information when available
- Prior flood losses and mitigation improvements
Questions for the coverage review
Which film, tv & video production risks could create the most severe loss?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Do current values, classifications, limits, and deductibles reflect the operation?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
What operational changes, contracts, or dependencies should the insurance review address?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
What flood limit does the property and lender require?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Should FEMA, private, or excess options be evaluated?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Frequently asked questions
Who should use this film, tv & video production commercial flood insurance guide?
Business owners and insurance buyers can use it to prepare for a focused review of coverage alignment. It is educational guidance, not a quote or a substitute for policy terms.
What information should a film, tv & video production account gather first?
Start with description of film, tv & video production operations, locations, revenue, payroll, and recent changes, current values and schedules for production general liability, workers' compensation, automobile liability and physical damage, and umbrella or excess, owned and rented production equipment, props, sets, wardrobe, negative or faulty stock, third-party property, and extra expense where available, cast extra expense, errors and omissions, travel or volunteer accident, cyber, crime, and specialized production-interruption coverage where appropriate, contracts, certificates, current policies, and currently valued loss history, plus currently valued loss information when available.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, exclusions, and policy terms vary by risk and market. Review actual policy documents with an appropriate insurance professional.