22 February 2024

Why Film Insurance Matters

By Performance

In the fast-paced and high-stakes world of filmmaking, one element can make or break a project: film insurance. Whether you’re a newcomer to the industry or a seasoned film maker, the importance of film insurance cannot be overstated. In this article, we’ll explore why film insurance is a must-have for both new and experienced producers and film companies, ensuring your projects are protected from unforeseen challenges.

Protecting Your Investment

For new producers, embarking on your first film project is an exciting yet daunting endeavour. You’ve invested time, energy, and resources, and the last thing you want is for unexpected events to derail your production. Experienced producers understand that even with a stellar track record, every project comes with inherent risks. Film insurance is your safety net, safeguarding your investment in case of accidents, damage, or any unforeseen setbacks.

Ensuring Project Completion

No matter your experience level, the primary goal of any film production is to see it through to completion. Film insurance helps ensure that even when faced with unexpected disruptions, such as natural disasters, illness, or accidents on set, your project can still reach the finish line. This is crucial for maintaining your reputation and delivering on promises to investors, cast, and crew.

Liability Protection

Liability issues are a real concern in the film industry. Whether it’s an injury on set or a copyright infringement claim, legal matters can escalate quickly. Film insurance offers liability coverage that protects you, your team, and your company from the potentially devastating financial consequences of legal disputes.

Securing Distribution Deals

Experienced producers know that without the right insurance coverage, securing distribution deals can be an uphill battle. Distributors often require proof of insurance before signing any contracts. Having comprehensive film insurance can be a deal-maker, giving you a competitive edge in the industry.

Types of Film Insurance

Production Insurance

Production insurance is the most common type and covers the risks associated with the production process. It includes coverage for property damage, equipment breakdown, and coverage for unforeseen events that can halt production.

Errors and Omissions Insurance

This insurance is crucial for filmmakers as it protects against legal claims related to intellectual property, copyright, and defamation issues. Even the most experienced producers can face costly lawsuits, and this insurance ensures you’re protected.

Cast and Crew Insurance

Accidents can happen on set, and cast and crew insurance is designed to cover medical expenses and potential legal claims that might arise from injuries sustained during filming.

Equipment Insurance

Expensive film equipment is a major investment. Equipment insurance safeguards your cameras, sound equipment, lighting, and other gear against theft, damage, or loss.

Finding the Right Film Insurance

When it comes to selecting the right film insurance for your project, several factors need consideration. These include the project’s budget, location, cast and crew size, and the specific risks associated with the production. An experienced insurance provider, like Performance Insurance, can guide you through the process, tailoring a policy to meet your unique needs.


Whether you’re a new producer eager to make your mark in the film industry or an experienced one with numerous successful projects under your belt, film insurance is your indispensable ally. It safeguards your investments, protects you from legal woes, and ensures the completion of your projects. Don’t let unforeseen challenges derail your filmmaking dreams—make film insurance an integral part of your production strategy.

If you have any questions please don’t hesitate to get in touch with the team and fill in the form below.