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The entertainment industry encompasses a wide range of businesses, from film and television productions to sports events. Each sector has its own unique set of risks that necessitate specialized entertainment insurance coverage. But, with coverage options ranging from production insurance for film projects and commercials to equipment insurance for musicians and artists, the insurance options are vast.
Higginbotham’s seasoned entertainment insurance brokers know the subtleties of the industry and the diverse risks that you face. This knowledge helps us simplify the commercial insurance process as we work alongside you to choose the coverages that align with your business and that maximize your value.
From pandemics and hurricanes to venue fires and stage collapses, recent events prove that any entertainment production can be subject to cancellation. As a result, quality insurance is becoming increasingly difficult to obtain.
Higginbotham is one of a select group of insurance brokers with access to multiple entertainment industry insurance carriers. That means better entertainment insurance coverage for you.
We hire the best and the brightest minds in the business so you know you’re dealing with a knowledgeable industry professional. Our entertainment risk specialists help protect a range of productions, companies and operations, including, but not limited to:
Lighting, Sound, Video and Staging Companies
Santa Claus and Seasonal Performers
Booking Agencies and Talent Managers
Broadway and Theatrical Stage Productions
Record Labels and Music Video Productions
Clowns, Balloon Artists and Face Painters
Food and Beverage Concessionaires
Television/Short-Term Film Productions
Entertainers and Performers
D.I.C.E. Film Productions
Event Planners and Promoters
Photographers and Videographers
Live Event Security
Movies and Feature Film Productions
Musicians, Bands and DJs
Concerts and Tours
Special Events in 200+ Categories
Performance and Concert Venues
The world of film is filled with unique challenges that range from equipment malfunctions to on-set accidents. Film production insurance, including video production insurance, is designed to address these concerns by offering coverage for feature films, TV shows, photographers, videographers and more.
Whether you’re a seasoned film producer or just beginning your creative career, the appropriate insurance coverage is crucial to safeguarding your investment, your crew and your project.
Production liability insurance is essential for any film production, as it offers protection against legal claims related to accidents, injuries or property damage that may arise during the course of a film project. Production liability insurance can provide protection from risks like property damage lawsuits and slip and fall incidents, allowing you to devote your energy to realizing your creative vision.
Short-term production insurance and annual production insurance are two unique entertainment coverages that are created with producers in mind. Short-term production insurance covers a single production and is designed for producers who work on one project at a time. For producers working on a few different projects simultaneously, annual production insurance can help cover all of their productions that occur within a year.
Film crew and cast insurance can help with extra production costs and cover prior financial commitments if a cast or crew member suddenly becomes unavailable to work due to an illness, injury or death.
Film equipment insurance is designed to protect the valuable equipment used in film production. This coverage offers protection from the damage and theft of equipment, along with third-party property damage. This form of film production insurance can cover a range of equipment, including cameras, lighting, sound equipment and props, and offer valuable financial protection to filmmakers and production managers. And, if you rent equipment like honey wagon trailers or mobile dressing rooms, adding on miscellaneous equipment insurance to your film equipment policy can help cover these essential assets.
This entertainment coverage can help cover the cost of lost, damaged or stolen props, wardrobe items and sets. It can also cover cameras, lighting and sound equipment, grip equipment, mechanical effects equipment, portable generators and other critical assets used in production.
If your film footage is damaged or destroyed by your equipment or during the post-production process, this specialty film insurance coverage can help cover the additional cost of recovering, re-shooting or re-editing it. It can also help if you accidentally erase footage or inadvertently shoot with a foggy or dirty lens.
Animals used in film shoots are typically specially trained and considered to be highly valuable. Should an animal end up injured or killed on your set, animal mortality insurance can help with the costs of the medical treatment or replacement.
There’s always a risk of causing property damage when shooting a film or producing a video. If a third party owns this property, TPPD coverage can help with the cost of repairing or replacing it. This insurance can be tailored to cover property ranging from cast living quarters to buildings on set and more. It doesn’t apply to damage caused by a motor vehicle, aircraft or watercraft operation. In addition, it typically won’t cover property already covered under a miscellaneous equipment policy, such as cameras, props and lighting equipment.
Extra expense coverage can help with non-ordinary expenses incurred when production is interrupted. Like business interruption insurance, this protection can fund your operation throughout the repair, replacement or recovery period following a covered loss.
It’s not uncommon for a production company to lease or borrow a rare or expensive automobile for use in a shoot. From exotic cars to classic autos and more, this insurance can help cover the costs of repairing or replacing these valuable assets if they end up lost, damaged or destroyed.
With bold advocacy and genuine accountability, we use our access to multiple entertainment industry insurance carriers to provide customized coverage for your specific needs.
Our approach to finding solutions is more individual and less institutional. By understanding your priorities, we can get you covered on day one and provide year-round value with our Day Two Services® that support your risk management efforts 365 days of the year.
With a commitment to transparency and authenticity, we’re a place that leads with values so value leads.
To learn more about how our values-based approach creates value for you and your business, click here.
Entertainers and performers face unique risks in their line of work, and tailored insurance programs and policies are essential to address these challenges. Music, concert and liability insurance are just a few examples of the coverage options that can help protect individuals, groups and even animals.
Music insurance is specifically designed to address the needs of musicians and musical groups. Generally, it offers protection against damage, theft and loss of musical instruments and equipment, along with liability coverage for accidents or injuries sustained during performances. In some cases, venues may require that performers possess insurance coverage for their protection. With the right coverage in place, musicians can focus on their craft, knowing that their valuable instruments are protected and their liabilities are reduced.
Concert or tour insurance provides coverage for live performances and touring artists. It can supply protection for bands, musicians, impersonators and other traveling performers, and often includes additional coverage for venues, tour buses and employees. While the specifics will vary, this insurance can help mitigate risks associated with concerts and tours, such as event cancellation, equipment theft or damage, liability claims, tour bus accidents and breach of contract.
Entertainer liability insurance is designed to cover potential accidents, injuries and property damage that may arise during performances or other entertainment activities. This type of insurance provides vital liability protection for independent performers, helping to shield themselves from potential liabilities that can arise in the entertainment industry.
From music festivals to sports games, live events are filled with excitement – and potential risks. Event insurance can help to protect your event from unforeseen circumstances and potential liabilities.
So, if there’s an unexpected downpour at an outdoor concert or a spectator suddenly becomes injured at a baseball game, event insurance can help cover the financial implications of such unforeseen circumstances. Ultimately, event insurance allows you to focus on what you do best – delivering an unforgettable experience for your audience.
Sports insurance is a specialized form of insurance coverage designed to address the unique risks associated with sports events and individual athletes. From accidents and injuries to property damage and legal claims, sports insurance helps to protect athletes, teams and fans.
Music festivals are a celebration of creativity, community and fun. However, they also come with a unique set of risks and responsibilities. Music festival insurance can provide coverage to protect your festival or related event from accidents, injuries, property damage and other potential risks.
Countless other live events, from trade shows to theatrical productions, require tailored event insurance solutions. No matter the occasion, Higginbotham can help you secure the right coverage to help protect your event and its participants.
Event cancellation insurance helps to cover the financial losses that could occur if an event has to be cancelled, postponed, relocated or abandoned due to unforeseen circumstances, such as a natural disaster or the sudden illness of a key performer. Event cancellation insurance helps to ensure that the show can go on or, if it can’t, that you’re not left bearing the full financial burden.
Also known as “riot insurance,” civil authority and commotion is a common coverage included in many entertainment insurance policies. Designed to cover the costs of property damage caused by demonstrations, protests or other gatherings gone awry, civil authority and commotion coverage can help mitigate financial risks related to fire, looting, vandalism, rioting and more.
Navigating the diverse risks and broad exposures involved with working in the entertainment industry can leave you wandering. Fortunately, with Higginbotham on your crew, we’ll guide the way. Our deep entertainment industry experience and strong insurance carrier relationships enable us to get things done that others can’t.
The entertainment industry is filled with unique risks and challenges, with potential hazards ranging from accidents and legal claims to equipment damage and theft. When these risks are paired with financial exposures like cash flow volatility and reputational damage, the entertainment industry can become a very risky business.
At Higginbotham, we understand these intricacies and offer a range of risk management strategies to help our clients identify, prevent and minimize risks.
But we don’t stop there.
As a brokerage with the freedom to do what’s right for our clients, we supplement your coverage with our loss control, contract review, certificate management and claims advocacy services, so you get added value and year-round support.
In addition to specialized coverages, there are several common commercial insurance coverages that businesses in the entertainment industry should consider. Each of these business insurance and policies can address different aspects of your business, allowing for a protection plan that’s suited to your specific needs.
Commonly abbreviated as workers’ comp, this coverage can help with the costs of an employee injury on the job. From medical bills to lost wages, a work-related injury or illness can be costly. Rather than risk facing a lawsuit, it’s wise to consider adding workers’ compensation to your entertainment insurance coverage.
A commercial auto policy can help protect you from the risks of operating a vehicle for business purposes. Whether your entertainment business owns commercial vehicles or uses vehicles owned by another party as part of your operation, commercial auto insurance can significantly limit your out-of-pocket costs in the aftermath of an employee- or owner-involved accident.
In today’s digital age, cyber liability insurance is an essential component of any business’s insurance coverage. This form of coverage offers protection against damages and expenses incurred due to a data breach, malware or spear phishing attack, cyber extortion, ransomware and other kinds of cyberattacks.
Commercial umbrella insurance can help bridge the gap between your standard coverage limits and your real-world liabilities. From expensive camera equipment to rare props and intricate sets, umbrella insurance can provide invaluable peace of mind in the unpredictable world of entertainment.
Commercial general liability coverage can help with financial losses resulting from claims of bodily injury, property damage, personal injury, libel, slander or advertising injury to others caused by your business or the entertainers you employ. Exposures come from many sources, including accidents, employment-related lawsuits and copyright infringement. General liability insurance can cover the cost of defending or settling these claims, even if they are fraudulent.
Also known as professional liability insurance, errors and omissions (E&O) insurance is designed around the risks associated with consulting or rendering professional advice. If you or your entertainment business acts in a consultative capacity or supervises the work of subcontractors, E&O can help mitigate financial damages resulting from errors, omissions or negligence.
Typically split into outside and inside coverage categories, money and securities insurance can help reimburse you in the event of robbery or theft. While it does not cover employee theft or theft by an owner or company principal, money and securities insurance can help replace your money and currency if it’s stolen and the policyholder experiences loss or damage as a result.
With Higginbotham, you get more than an entertainment insurance broker – you get a partner who understands your industry, aligns with your values and is dedicated to your success. That’s why we offer personalized insurance solutions and value-adding Day Two Services® to our clients.
With Higginbotham as your partner, you can focus on the success of your entertainment business.