Film, Media, Video & TV Liability Insurance

Public Liability Insurance

If you are shooting on location, public liability insurance is mandatory to ensure the producer is covered for any accidental damages that might occur as a result of a shoot. It also covers members of the public in the event that they are accidentally injured during your production. Key features are:

• Damage to Property
• Bodily Injury to any person
• Limit of Indemnity £2,000,000; £5,000,000 or £10,000,000
• Annual cover or part of a production policy
• No forms to fill in
• Documents e-mailed to you
• Payable by debit / credit card

Employer's Liability Insurance

If you are working on a production with cast and crew members, it is the producer's responsibilty to insure them against the possibiliy of any injuries that might occur whilst shooting. Employers Liability safe guards the producer in the event that an employee sustains accidental bodily injury and you become legally liable to pay any compensation.

This insurance is compulsory by law if you employ anyone paid or unpaid, PAYE or labour only sub-contractors, casual or permanent. So even if you have volunteers on the production, it is still compulsory that employers liability is in force.  Key features of cover are:

• Bodily Injury to any cast, crew or extra
• Limit of Indemnity £5,000,000 or £10,000,000
• Annual cover or part of a production policy
• No forms to fill in
• Documents e-mailed to you
• Payable by debit / credit card

Directors & Officers Liability Insurance

Directors and Officers insurance covers the losses arising from any claims made for any wrongful act committed by them in their capacity as Directors or Officers of a company. A simple case of wrongful termination of an employee can result in a law suit being filed against that individual. Key features of the policy coverage are:

• Wrongful termination of any person
• Discrimination or harassment affecting any employee of
• Retaliatory treatment against an employee
• Outside Board Cover
• Pollution Defence Costs
• Cover for retired Directors & Officers
• No forms to fill in
• Documents e-mailed to you
• Payable by debit / credit card

Professional Indemnity Liability Insurance

Professional indemnity insurance can help protect you if claims are brought against you by a client due to a problem with any professional work you have done for them. It covers you for any compensation you may need to pay to correct a mistake or cover any legal costs due to negligence, such as giving incorrect advice or making a mistake in your work. Cover is provided for the following:

• Wrongful Acts
• Any dishonest or fraudulent act or omission on the part of any employee
• Libel or slander committed in good faith
• Any unintentional breach of confidentiality committed
• Any liability for contravention of the Data Protection Act
• Loss of Documents
• Dishonesty Cover
• Ombudsman awards
• Defence costs and expenses in the defence, investigation or settlement of any claim

Commercial Legal Expenses Insurance

Legal disputes are often costly and stressful to pursue or defend. Many people are deterred from taking legal action because of the financial risk and uncertainty of the outcome. This is where legal expenses insurance can help and unlike conventional insurance, it does not make a direct payment for a claim. Instead, the insurance covers the legal costs involved in pursuing or defending a claim. Legal costs include the appointment of solicitors, barristers and expert witnesses.

• Contractual disputes with suppliers or business customers
• Face a criminal prosecution, receive a statutory enforcement notice
• Experience problems under the Data Protection Act
• Suffer damage to property, or nuisance
• Be subject to an Aspect or Full enquiry arising from self assessment by HM Revenue & Customs
• Have its licence to undertake normal business activities cancelled, suspended or altered
• Business-related telephone legal advice
• Employment manual or on-line business support system

Excess Layer Liability Insurance

If you would like to ask about about any of the film liability insurance covers or even if you already have media insurance, contact IMS for an objective second opinion.

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