Start with how the business operates
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.
Industry risks to discuss
- Cast or crew injury, third-party injury, location damage, production interruption, and extra expense
- Owned or rented cameras, lighting, sound, sets, props, wardrobe, negative or faulty stock, and third-party property
- Vehicles, drones, stunts, animals, precision driving, pyrotechnics, water scenes, weapons, travel, media allegations, cyber events, and errors or omissions
Coverage priorities
- 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
Prepare People and Records Before a Claim
- Keep policies, schedules, emergency contacts, and reporting instructions accessible
- Preserve photographs, inventories, contracts, maintenance records, and incident reports
- Designate who reports claims and who protects people and property
- Maintain financial records that can support property, liability, and income-loss documentation
Connect the review to Michigan
Automotive, advanced manufacturing, logistics, construction, hospitality, restaurants, healthcare, and commercial property shape the economy.
Winter weather, freeze, wind, and hail
Consider how this condition could affect locations, employees, vehicles, customers, property, income, controls, or recovery time for the operation.
Great Lakes and inland flood exposure
Consider how this condition could affect locations, employees, vehicles, customers, property, income, controls, or recovery time for the operation.
Machinery, suppliers, fleets, and production interruption
Consider how this condition could affect locations, employees, vehicles, customers, property, income, controls, or recovery time for the operation.
Questions for the planning discussion
What has changed?
Identify new services, locations, contracts, equipment, vehicles, staffing, revenue, ownership, and loss-control improvements.
Where could one event spread?
Review concentrations of people, property, vehicles, data, inventory, suppliers, customers, or revenue that could increase severity.
What evidence is available?
Use current schedules, written procedures, maintenance and training records, contracts, photographs, and currently valued loss history.
Frequently asked questions
Why should film, tv & video production in Michigan use this claims readiness?
It connects the industry's operations with regional conditions and a specific claims readiness task. The goal is a more complete discussion of exposures, controls, coverage priorities, and next steps.
Does this guide confirm insurance availability or legal requirements in Michigan?
No. This is general educational planning information. Availability, eligibility, policy terms, licensing, and legal requirements must be confirmed for the individual account and jurisdiction.
Coverage descriptions are general. Eligibility, availability, terms, conditions, limits, deductibles, exclusions, and legal requirements vary by account, insurance market, and jurisdiction.