Start With the Film, TV & Video Production Operation
Manufacturing, healthcare, energy, logistics, construction, restaurants, professional services, and commercial property support diverse markets.
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
Turn Pennsylvania Conditions Into Specific Questions
Property and Catastrophe Review
A property review should address freeze protection, heating, snow load, water damage, and winter access; roof age, exterior systems, hail, wind, and severe-storm resilience; site elevation, drainage, flood-zone information, building contents, and recovery funding. Values and business-income assumptions should reflect current rebuilding and reopening timelines.
Business Continuity and Income
Continuity planning should examine critical suppliers, cargo flows, inventory concentration, and alternate sourcing; machinery dependencies, utilities, spoilage, production bottlenecks, and extra expense; data, payment systems, vendors, contractual obligations, and cyber interruption. The submission should explain practical alternatives if a primary location, supplier, or system becomes unavailable.
Vehicles, Travel, and Mobile Operations
Businesses should review vehicle schedules, driver selection, routes, radius, cargo, and loss history; job-site travel, hired and non-owned vehicles, mobile equipment, and subcontractor controls. Current vehicle, driver, and loss information helps distinguish the actual operation from a generic fleet description.
Build a Useful Insurance Submission
A strong submission explains what the business does, where it operates, how it controls risk, and what has changed. Include current schedules and loss information rather than relying on an old application.
- A current statement of values by location, including building, contents, equipment, stock, and business-income amounts where applicable
- A concise description of operations, ownership, revenue, payroll, customers, contracts, and changes since the prior policy term
- Currently valued loss runs with an explanation of corrective action, open claims, and changes made after significant losses
- Property protection details that address flood, winter weather, wind, and hail and the expected time to repair or replace critical assets
- Vehicle and driver schedules, operating radius, commodities or equipment carried, safety controls, and accident history
Frequently Asked Questions
What should film, tv & video production in Pennsylvania prepare for an insurance review?
Prepare a clear description of operations, locations, revenue, payroll, property, vehicles, contracts, protection practices, and currently valued loss history as applicable.
Does this page confirm coverage availability or legal requirements in Pennsylvania?
No. This page is general educational guidance. Eligibility, availability, and requirements must be confirmed for the individual account.
Coverage descriptions are general. Eligibility, availability, terms, conditions, limits, deductibles, and exclusions vary by account and insurance market.