What is Comprehensive Public Liability Insurance for Film Producers?

As a film producer, you’re likely to face situations where you must provide proof of comprehensive public liability insurance. If you’re unfamiliar with the various types of insurance and what they all mean? This could leave you with a lot of questions as to what coverage will be provided. Insurance can certainly be confusing! It’s incredibly important you obtain the correct coverages required for your film project and the permits that you obtain. 

What is Comprehensive Public Liability Insurance for Film?

Keep in mind that comprehensive public liability insurance is sometimes actually more commonly referred to as general liability insurance.

General liability insurance, which is the same as comprehensive public liability insurance. It provides insurance for public liability. Producers provide protection against injury claims or property damage that is caused by the public. 

Intellectual Property

It also provides coverage for intellectual property. Including legal costs and financial settlements for lawsuits arising out of claims of defamation, copyright infringement and similar matters.

Additionally, this coverage will provide coverage for damage to property caused by your crew. Including employees and contractors. As well as associated medical expenses. 

Claims

And finally, comprehensive public liability insurance for film producers will also provide protection against any claims that are made to your business by employees, vendors or members of the public. 

Most of the time when you apply for a local film permit or a location permit to film. It’s a requirement to possess some form of general or comprehensive public liability insurance for film producers naming the location you’ll be filming in.

It provides these protections to their customers, the location owner, your crew and others that may be nearby while you’re filming on-site.

Comprehensive Public Liability Insurance Rates

The cost of film production insurance, or insurance that will protect the public from any potential injury or property damage loss claims that could arise from your production will vary based on a variety of factors.

Generally, comprehensive public liability insurance rates will depend on:

• The type of production that you’re filming. 
•  
• Whether or not the production includes any stunts or other actions. 
•  
• If you’ll be doing anything in or around water.
•  
• Whether there will be any kind of aerial work.
•  
• The location that you will be filming at. 

Extended Coverage

Comprehensive public liability insurance is going to provide extensive coverage. To protect a customer or third party from any injury or any damage to their property while you’re filming.

For example! Say you’re filming and your equipment falls and injures a customer at a store you’re filming at? Your comprehensive public liability insurance will cover the claim.

In Summary

So, what is comprehensive public liability insurance for film producers? It’s a catch-all phrase that represents insurance coverage. It includes general liability and public liability coverage as well as intellectual property coverage, too.