10 Things Every Film Producer Should Know About Insurance

If you’re producing a film, TV show, commercial or online content in the UK, you’ll need more than just cameras and crew, you’ll need robust insurance. At Kerry London, we specialise in tailored film production insurance to protect your cast, crew, kit, and creativity. Here are 10 things every producer should know before shouting “Action!” 

1. You’re Responsible – Even If You Outsource

Hiring a line producer or production company doesn’t protect you from liability. The legal responsibility often sits with the producer. Make sure you have your own cover in place.

2. Cast Insurance Can Save Your Budget

Delays caused by illness, injury or unavailability of a key actor can sink a schedule. Cast insurance reimburses for unexpected delays, reshoots, or even recasting costs.

3. You’ll Need Insurance to Hire Kit

Rental houses won’t release equipment without a certificate of insurance. Our policies can meet exact rental company requirements to avoid last-minute headaches.

4. Public Liability Is a Must for Any Location

Filming in public or on private property? You’ll need Public Liability Insurance to cover injuries to third parties or damage to property, often a legal requirement.

5. Weather Delays Are Insurable

Unpredictable weather can stall or cancel shoots. With Adverse Weather Insurance, you can recover lost costs due to rain, wind, snow or fog.

6. Drones Need Their Own Cover

Filming aerial shots? You’ll need Drone Insurance or UAV Aviation Liability, as standard policies don’t cover airborne equipment.

7. You Can Cover Pre-Production Too

Many assume insurance starts when filming does, but we can arrange cover for development, casting, location scouting, and other pre-production risks.

8. Digital Footage Can Be Insured

Footage loss due to corrupted files, card damage or accidental deletion is covered under Media & Digital Negative Insurance.

9. Distribution Requires E&O Insurance

Errors & Omissions Insurance is often mandatory for TV channels, distributors, and streamers. It protects against copyright issues, libel, slander and breach of privacy.

10. It’s More Affordable Than You Think

You don’t need a Netflix budget to get covered. We can tailor insurance for low-budget shorts, student films, and everything in between.

Let’s Talk 

Need help insuring your next production? Get in touch with one of our film insurance specialists today and see how we can support you. 

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