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Los Angeles CA Entertainment  Insurance

With Truman Van Dyke, you can protect your short term production, film, and more. Call 323-883-0012 today to schedule your consultation!

Truman Van Dyke has been providing exceptional quality entertainment insurance services in Los Angeles, CA since 1953. We are dedicated to providing the highest quality products and service to ensure your complete satisfaction.

Our Products Include:

FILM PRODUCTION

Insuring a feature film or television pilot or series may require one or more* of the following insurance policies...READ MORE

SHORT TERM

Our Short Term Specialty Unit is specifically for those involved in entertainment who need insurance coverages for a short period of time. READ MORE

DICE PRODUCER

Many films and videos are created by companies that engage in multiple productions throughout the year.  READ MORE

ERRORS & OMISSIONS

An Errors and Omissions policy covers legal liability and defense costs for the production company against lawsuits... READ MORE

EQUIPMENT RENTAL

An equipment floater provides coverage for property that moves from location to location... READ MORE

ENTERTAINERS

We insure individuals involved in the entertainment industry including musicians, touring entertainers, actors, writers... READ MORE

SPECIAL EVENTS

We provide all insurance needs of venues of any size, such as auditoriums, music halls... READ MORE

CYBER LIABILITY

Cyber Risk is first and third-party risk associated with e-business, the Internet, networks and informational assets. READ MORE

reputable insurance companies

Film & Television Insurance

Insuring a feature film or television pilot or series may require one or more* of the following insurance policies:

  • Production Package
  • General Liability
  • Workers’ Compensation
  • Non Owned and Hired Auto
  • Errors & Omissions

The Truman Van Dyke Company is expert at working with producers to ascertain and implement the exact right combination of insurance products for any form of film or television production.

* Additional policies may also be required depending on your situation, for example a Guild Union Travel Accident policy. Please contact one of our agents for a comprehensive evaluation.

Click on the headings below to read more:

PRODUCTION PACKAGE POLICY

The Production Package policy protects you against loss incurred during the production of a feature film, television series or television pilot. The losses covered include things such as the death or illness of a key cast member, destruction of props or sets, loss or destruction of media, etc.

A Production Package Policy has many coverages:

CAST COVERAGE

Reimburses the production company for any extra expense necessary to complete principal photography of an insured production due to the death, injury or sickness of any insured performer or director.

  • Insured performer or director must take a physical examination prior to being covered by this insurance.

  • Physical examination cost to be paid by the production company.

  • Coverage usually begins two to four weeks prior to the beginning of principal photography.

  • It is the production company’s responsibility to inform our office as individuals are cast.

  • If a cast member is declared, but we have not received a medical examination declaration for a declared cast member, that cast member is covered for accident only.

  • Medical coverage does not apply until a cast member's medical examination is submitted and approved.

FAULTY STOCK & CAMERA

Covers loss, damage or destruction of:

  • Raw film stock or video tape

  • Exposed film (developed or undeveloped)

  • Recorded Videotapes

  • Sound Tracks and tapes

caused by or resulting from fogging or the use of faulty materials (including cameras and videotape recorders); faulty sound equipment; faulty developing; faulty editing or faulty processing; and accidental erasure of videotape recordings.

COVERAGE DOES NOT INCLUDE loss caused by errors of judgment in exposure, lighting or sound recording, from use of incorrect raw stock, or faulty manipulation by the cameraman.

This coverage can only be purchased with Negative Film and Video Tape coverage

NEGATIVE FILM & VIDEO TAPE

16Covers against risks of direct physical loss, damage or destruction of:

  • Raw film or tape stock

  • Exposed film (developed or undeveloped)

  • Videotape

  • Software and related materials used to generate computer images

  • Sound tracks and tapes

used in connection with a production, up to the amount of the insured production cost.

COVERAGE DOES NOT INCLUDE loss caused by fogging, faulty camera or sound equipment, faulty developing, editing, processing or manipulation by the cameraman; exposure to light, dampness or temperature changes; or errors in judgment in exposure, lighting or sound recording, or from the use of incorrect type of raw stock or tape.

PROPS SETS & WARDROBE

Provides coverage on props, sets, scenery, costumes, wardrobe and similar theatrical property against risks of direct physical loss, damage or destruction occurring during the production.

THIRD PARTY PROPERTY DAMAGE

Pays for damage or destruction of property of others (including loss of use of the property) while the property is in the care, custody or control of the production company and is used or to be used in an insured production.

COVERAGE DOES NOT APPLY TO destruction of property caused by operation of any motor vehicle, aircraft or watercraft, including damage to the foregoing; liability for damage to any property rented or leased that may be covered under Props, Sets and Wardrobe, or Miscellaneous Equipment coverage.

THIS COVERAGE IS NOT PROVIDED by a General Liability Policy. Property damage coverage written as part of a Commercial General Liability Policy excludes damage to any property in the production company's care, custody or control.

MISCELLANEOUS EQUIPMENT

Provides coverage on rented or owned camera, camera equipment, sound and lighting equipment, post production and editing equipment, portable electric equipment and generators, mechanical effects equipment, grip equipment, mobile dressing rooms and honey wagon trailer units and similar miscellaneous equipment against all risk of direct physical loss, damage or destruction occurring during a covered production, including loss of use to a rental company.

EXTRA EXPENSE

Provides reimbursement to the production company for any extra expense incurred to complete principal photography of a covered production due to loss of, damage to or destruction of property or facilities contracted by the production company for use in a covered production.

NON OWNED & HIRED AUTOMOBILE PHYSICAL DAMAGE

This coverage can be added to the Production Package Policy. It covers physical damage to your rented vehicles, film trucks, mobile studio units, dressing rooms and other trailers, grip trucks, and other autos rented and used in connection with your production.

ANIMAL MORTALITY

Provides reimbursement to the production company for the declared value of the insured animal due to death and illness or disease resulting in the death of the animal.

OFFICE CONTENTS

Provides coverage for the production company's office, its furniture, fixtures, equipment and supplies against all risk of direct physical loss, damage or destruction while property is on the scheduled premises or at other locations used during the production and while in transit between the two.

Office contents coverage is usually needed to cover the temporary production offices set up for feature films.

CIVIL AUTHORITY

This coverage would reimburse the production company for any extra expense incurred as a result of the prohibition of access by a civil authority to your office, shooting location, or a facility contracted by the production company. For example, if a crime occurs at or near your filming location, and the police restrict your access to the location, this coverage would reimburse you for any additional expense that results from the delay.

GENERAL LIABILITY

Most businesses have a commercial general liability insurance policy to protect themselves from claims of bodily injury or property damage caused by the negligent operation of their business. The production company formed to create a film or television series should protect themselves the same way.

Commercial General Liability protects against claims of bodily injury or property damage arising out of filming activity. This coverage will be required prior to filming on any city or state owned property, or any location that requires filming permits. Many privately owned locations require you have this coverage before they will allow you to film on their premises. The cost of commercial general liability for productions is based on the budget of the insured production.

Bodily Injury

Covers the costs associated when someone is injured, or becomes ill or dies as a direct result of working on an insured production. Covered costs include:

  • The cost of care
  • The loss of services
  • Restitution for any deaths that result from the sickness or injury

Property Damage

A common problem encountered during a production of a film or television is damage caused to locations used. The property damage coverage will compensate the property's owner in the event that you damage their property during the filming of an insured production. The compensation includes:

  • Physical Damage to the Property
  • Loss of use of the property

Medical Payments

If someone is injured or killed as a result of working on an insured production, this coverage will pay for medical or funeral expenses incurred within one year of the accident date.

WORKERS' COMPENSATION

Worker's compensation coverage is required by state law and applies to all temporary or permanent cast or production crew members. Coverage provides medical, disability or death benefits to any cast or crew member who becomes injured in the course of their employment. Coverage usually applies on a 24 hour per day basis whenever the employees are on location away from their homes.

Even though a production company may be using a payroll service company, which usually provides Worker's Compensation insurance to all pay rolled employees, the production company should always consider carrying a backup policy of their own. This will protect the production company for any unpaid interns or others who might not be pay rolled.

NON OWNED AND HIRED AUTO

Physical Damage

This coverage can be added to the Production Package Policy. It covers physical damage to your rented vehicles, film trucks, mobile studio units, dressing rooms and other trailers, grip trucks, and other autos rented and used in connection with your production.

Liability

Hired Auto Liability replaces or augments the liability coverage offered by the company that rents you the vehicles used in your production. It covers bodily injury and property damage caused by a vehicle rented by the production company and being used on an insured production.

Non Owned Auto coverage protects you against bodily injury or property damage caused by someone's personal car if being used while that person is working on an insured production.

ERROR & OMMISSIONS

An Errors and Omissions policy covers legal liability and defense costs for the production company against lawsuits alleging unauthorized use of title, format, ideas, characters or plots, plagiarism, unfair competition or piracy. Errors and Omissions also protects for alleged libel, slander, defamation of character or invasion of privacy.

Once a film, television pilot, series of television shows, or documentary is finished, the next step is normally distribution. Most distributors will require the production company obtain an Errors and Omissions policy on the production. If you are a distributor, you should always carry your own E&O policy, in addition to requiring each of the productions you distribute to be covered.

Obtaining Errors and Omissions coverage can be complex and time consuming. The Truman Van Dyke company has specialized in E&O for over 40 years. We have access to a wide variety of insurance companies that provide E&O coverage, so finding the exact right policy is assured.

For further information please visit our Error & Omissions page.

Short Term Specialty Unit

Our Short Term Specialty Unit is specifically for those involved in entertainment who need insurance coverages for a short period of time. Short Term Coverages include:

  • General Liability
  • Third Party Property Damage
  • Owned & Rented Equipment
  • Workers’ Compensation
  • Non Owned and Hired Auto

The Short Term Unit can also provide complete production coverage for films, television and commercial shoots with budgets up to $1,000,000 when principal photography lasts for 60 days or less. Productions involving stunts, pyrotechnics, squib and animals can be covered.

The key to our Short Term Specialty Unit is speed and efficiency. The biggest headache for the production company is often certificates of insurance. Many filming locations require you present them with a certificate of insurance, naming them as an additional insured, before they allow you on the property. Equipment rental houses

also require certificates of insurance before you they will rent you equipment. If your production decides at 5:00 PM friday evening that it needs to rent a piece of equipment for a shoot the next morning, getting a certificate of insurance becomes a do or die proposition.

The Short Term Specialty Unit knows the ropes when it comes to getting the correctly worded certificate out fast, eliminating delays on your production. We monitor emails and respond to certificate requests nights and weekends. In many cases we can set you up so that you can generate your own certificates as you need them via the Internet.

NOTE – Coverages other than General Liability are priced based on them being packaged with General Liability. Some coverages below may not be available stand alone, but must be obtained WITH General Liability Coverage.

Click on the headings below to read more:

GENERAL LIABILITY

General Liability protects against claims of bodily injury or property damage arising out of filming activity. The requirement for short term general liability coverage is often dictated by the property owners whose property you want to use. Common reasons for needing short term coverage include:

  • A property owner requires you to obtain General Liability coverage before they allow you to film on their property.
  • A state or municipal governmental agency requires you to obtain General Liability coverage before you are allowed to film on publicly owned land.
  • You want the protection from bodily injury or property damage claims resulting from your filming activity.
THIRD PARTY PROPERTY DAMAGE

A common misconception for those insuring their first production is the issue of Third Party Property Damage. A General Liability policy only covers damage to property not under the care, custody or control of the insured. Suppose you rent a home and film scenes inside for your production. If you damage the home during filming activity, it is NOT covered under General Liability. This is because the home is under your care, custody or control, which is excluded under a General Liability Policy. If on the other hand, you damage the neighbor's property during your filming activity, that would be covered under General Liability.

If you intend to rent a home for filming, Third Party Property Damage coverage would be required to protect you against any damage claims to the property occurring during filming activities.

Third Property damage is a component of the General Liability coverage. You must obtain General Liability coverage in order to be covered for Third Property Property Damage.

OWNED & RENTED EQUIPMENT

An equipment floater is often required to cover equipment that moves from location to location. Reasons for needing an equipment floater include:

  • A rental company requires you obtain your own insurance for the equipment you want to rent.
  • You own equipment, and you will be using that equipment on a production, and you want to be covered against loss of the equipment.
WORKERS' COMPENSATION

Most states requires you to obtain Workers' Compensation insurance for those you hire to work on your production. If you hire someone to work on your production, and they are hurt or killed in the course of conducting any activity in support of that production, you could be liable. A workers' compensation policy will protect you from these claims.

NON OWNED AND HIRED AUTOMOBILE

If you are renting motor vehicles for use in your production, and you want to protect yourself from bodily injury or property damage claims caused by the vehicles while being used in your production, Non Owned and Hired automobile coverage may be required.

D.I.C.E. PRODUCER

Many films and videos are created by companies that engage in multiple productions throughout the year. Their business operation requires special entertainment insurance due to their principal operation being filming activities. These companies are called DICE producers, as their principal projects are Documentaries, Industrial Films, Commercials and Educational films. The DICE producer may need one or more insurance policies to completely protect their operations, including:

  • DICE Production Package
  • General Liability
  • Workers’ Compensation
  • Business Auto Liability

The Truman Van Dyke Company is expert in working with DICE producers to ascertain and implement the exact right combination of insurance products for any kind of ongoing production business entity.

Click on the headings below to read more:

DICE PRODUCTION PACKAGE

The DICE Production Insurance Package policy protects you against loss incurred during the production of documentaries, industrial films, commercials and educational films. The losses covered include things such as destruction of props or sets, bodily injury or property damage caused by rented vehicles, loss or destruction of media, etc.

A DICE Production Package policy is similar to the Production Package policy normally obtained for the one time production of a feature film, except that the DICE producer can have many productions through out the year. The DICE Production Package policy is an annual policy that provides in effect blanket coverage for all productions undertaken by a production company during the annual policy period. The cost of a DICE Production Package policy is based on the DICE producer's estimated annual gross production costs for all productions anticipated in the covered year. A DICE policy may be audited by the insurance company to determine the actual gross production costs incurred. The result of the audit could result in return premium if the actual costs are lower than declared, or additional premium if the costs are higher than declared.

A DICE Production Policy has many coverages:

FAULTY STOCK & CAMERA
  • Covers loss, damage or destruction of:
  • Raw film stock or video tape
  • Exposed film (developed or undeveloped)
  • Recorded Videotapes
  • Sound Tracks and tapes

caused by or resulting from fogging or the use of faulty materials (including cameras and videotape recorders); faulty sound equipment; faulty developing; faulty editing or faulty processing; and accidental erasure of videotape recordings.

COVERAGE DOES NOT INCLUDE loss caused by - errors of judgment in exposure, lighting or sound recording, from use of incorrect raw stock, or faulty manipulation by the cameraman.

This coverage can only be purchased with Negative Film and Video Tape coverage.

NEGATIVE FILM & VIDEO TAPE

Covers against risks of direct physical loss, damage or destruction of:

  • Raw film or tape stock
  • Exposed film (developed or undeveloped)
  • Videotape
  • Software and related materials used to generate computer images
  • Sound tracks and tapes

used in connection with a production, up to the amount of the insured production cost.

COVERAGE DOES NOT INCLUDE loss caused by fogging, faulty camera or sound equipment, faulty developing, editing, processing or manipulation by the cameraman; exposure to light, dampness or temperature changes; or errors in judgment in exposure, lighting or sound recording, or from the use of incorrect type of raw stock or tape.

PROPS SETS & WARDROBE

Provides coverage on props, sets, scenery, costumes, wardrobe and similar theatrical property against risks of direct physical loss, damage or destruction occurring during a production.

THIRD PARTY PROPERTY DAMAGE

Pays for damage or destruction of property of others (including loss of use of the property) while the property is in the care, custody or control of the production company and is used or to be used in an insured production.

COVERAGE DOES NOT APPLY TO destruction of property caused by operation of any motor vehicle, aircraft or watercraft, including damage to the foregoing; liability for damage to any property rented or leased that may be covered under Props, Sets and Wardrobe, or Miscellaneous Equipment coverage.

THIS COVERAGE IS NOT PROVIDED by a General Liability Policy. Property damage coverage written as part of a Commercial General Liability Policy excludes damage to any property in the production company's care, custody or control.

NON OWNED & HIRED AUTOMOBILE PHYSICAL DAMAGE

This coverage can be added to the Production Package Policy. It covers physical damage to your rented vehicles, film trucks, mobile studio units, dressing rooms and other trailers, grip trucks, and other autos rented and used in connection with your production.

MISCELLANEOUS EQUIPMENT

Provides coverage on rented or owned camera, camera equipment, sound and lighting equipment, post production and editing equipment, portable electric equipment and generators, mechanical effects equipment, grip equipment, mobile dressing rooms and honey wagon trailer units and similar miscellaneous equipment against all risk of direct physical loss, damage or destruction occurring during a covered production, including loss of use to a rental company.

EXTRA EXPENSE

Provides reimbursement to the production company for any extra expense incurred to complete principal photography of a covered production due to loss of, damage to or destruction of property or facilities contracted by the production company for use in a covered production.

ANIMAL MORTALITY

provides reimbursement to the production company for the declared value of the insured animal due to death and illness or disease resulting in the death of the animal.

OFFICE CONTENTS

Provides coverage for the insured DICE producer's office, its furniture, fixtures, equipment and supplies against all risk of direct physical loss, damage or destruction while property is on the scheduled premises or at other locations used during a production and while in transit between the two. It would also cover the permanent office location if there was no coverage under a property policy.

CIVIL AUTHORITY

This coverage would reimburse the production company for any extra expense incurred as a result of the prohibition of access by a civil authority to your office, shooting location, or a facility contracted by the production company. For example, if a crime occurs at or near your filming location, and the police restrict your access to the location, this coverage would reimburse you for any additional expense that results from the delay.

GENERAL LIABILITY

Commercial General Liability for the DICE producer protects against claims of bodily injury or property damage arising out of operations in connection with filming activity. This coverage will be required prior to filming on any city or state owned property, or any location that requires filming permits. Many privately owned locations require you have this coverage before they will allow you to film on their premises. The cost of commercial general liability for DICE producers is based on their annual gross production costs.

BODILY INJURY

Covers the costs associated when someone is injured, or becomes ill or dies as a direct result of working on a production. Covered costs include:

  • The cost of care
  • The loss of services
  • Restitution for any deaths that result from the sickness or injury
PROPERTY DAMAGE

A common problem encountered during filming activities is damage caused to locations used. The property damage coverage will compensate the property's owner in the event that you damage their property during the filming of a production. The compensation includes:

  • Physical Damage to the Property
  • Loss of use of the property
MEDICAL PAYMENTS

If someone is injured or killed as a result of working on a production, this coverage will pay for medical or funeral expenses incurred within one year of the accident date.

WORKERS' COMPENSATION

Worker's compensation coverage is required by state law and applies to all temporary or permanent cast or production crew members. Coverage provides medical, disability or death benefits to any cast or crew member who becomes injured in the course of their employment. Coverage usually applies on a 24 hour per day basis whenever the employees are on location away from their homes.

Even though a production company may be using a payroll service company, which usually provides Worker's Compensation insurance to all pay rolled employees, the production company should always consider carrying a backup policy of their own. This will protect the production company for any unpaid interns or others who might not be pay rolled.

NON OWNED & HIRED AUTOMOBILE
Physical Damage

This coverage can be added to the Production Package Policy. It covers physical damage to your rented vehicles, film trucks, mobile studio units, dressing rooms and other trailers, grip trucks, and other autos rented and used in connection with your production.

Liability

Hired Auto Liability replaces or augments the liability coverage offered by the company that rents you the vehicles used in your production. It covers bodily injury and property damage caused by a vehicle rented by the production company and being used on an insured production.

Non Owned Auto coverage protects you against bodily injury or property damage caused by someone's personal car if being used while that person is working on an insured production.

Error & Omissions Insurance

An Errors and Omissions policy covers legal liability and defense costs for the production company against lawsuits alleging unauthorized use of title, format, ideas, characters or plots, plagiarism, unfair competition or piracy. Errors and Omissions also protects for alleged libel, slander, defamation of character or invasion of privacy.

Once a film, television pilot, series of television shows, or documentary is finished, the next step is normally distribution. Most distributors will require the production company obtain an Errors and Omissions policy on the production. If you are a distributor, you should always carry your own E&O policy, in addition to requiring each of the productions you distribute to be covered.

Obtaining Errors and Omissions coverage can be complex and time consuming. The Truman Van Dyke company has specialized in E&O for over 40 years. We have access to a wide variety of insurance companies that provide E&O coverage, so finding the exact right policy is assured.

Applying for Errors and Omissions coverage for a production is a multi-step process. The first step is completing the application. An E & O policy application is detailed, and all information requested by the application must be provided. This normally involves much hands on advice and guidance from our staff to be sure the application is correct and complete before submitting it to the insurance companies.

Often a production company will turn over the application process to an attorney who specializes in Errors and Omissions. The Truman Van Dyke Company has the expertise and experience to work with entertainment attorneys to complete the process efficiently, minimizing attorney’s fees. Often the distributor requesting you obtain the E & O policy will also have their own legal department involved. Again the Truman Van Dyke Company has the experience needed to manage this process, and is used to facilitating the back and forth negotiations often required to obtain a sound E & O policy for our clients.

Next in the process is obtaining a number of clearances for the production. These clearances are reports from qualified individuals stating that the various copyrights necessary have been obtained for any copyrighted materials in the production. These clearances may also involve due diligence statements saying that the production has been properly vetted for potential copyright infringement and other potential claims.

The Truman Van Dyke Company has relationships with many of the top players in the field of Entertainment E & O. We can provide the contacts and resources to get your production cleared for an E & O policy. We have worked with these industry veterans for many years and know what they need to quickly get a production cleared.

To get started, contact Heidy Muriel, she’ll assess your situation and get you the correct application form and explain how to fill them out.

Equipment Rental

An equipment floater provides coverage for property that moves from location to location from the perils of theft, fire, windstorm, earthquake, flood, etc.

Those involved in the production of film and television require specialized equipment floater policies to cover the unique equipment commonly used, including:

  • cameras and camera equipment
  • sound and lighting equipment, portable electrical equipment, communications equipment
  • editing and projection equipment
  • miscellaneous mobile equipment including customized equipment trailers, catering trailers, mobile dressing rooms and honey wagons
  • props, sets and wardrobe
  • live plants (if used as part of a set)
  • musical instruments
  • theatrical stage equipment
  • mobile recording/broadcasting studio vehicles and equipment permanently attached to such vehicles, if specifically scheduled.

For the movie/television production company, which normally rents the equipment needed to produce their project, rented equipment coverage is included in a Production Package policy under Miscellaneous (Rented) Equipment. In addition, a production package policy can also cover equipment owned by the production company.

SHORT TERM EQUIPMENT FLOATER POLICY

For the lower budget production that does not require or want a Production Insurance Package policy, but must obtain insurance in order to rent production equipment, a short term Equipment Floater policy would be required. A short term equipment floater policy is effective for a specific period of time, normally 1 to 60 days. The Truman Van Dyke Company maintains a special Short Term Specialty Unit specifically for these types of productions.

MISCELLANEOUS EQUIPMENT FLOATER POLICY

For an entertainment related business that owns their equipment and must transport their equipment to various locations, but retains control of the equipment while in use, an equipment floater policy is required to properly cover the equipment. Property that is used in connection with a business activity is not covered under a homeowner's policy, hence the need for a miscellaneous equipment floater policy.

RENTAL HOUSE POLICY

The rental house business is complex from an insurance standpoint. Often a business that rents equipment also installs the equipment prior to turning control over to the renter, requiring specialized coverage for the installation activity. The rental house must also provide basic property coverage for the rental yard, or other property used in their business.

The Truman Van dyke Company has been insuring entertainment related rental houses for over 40 years. We are experts at working with the rental house in specifying and placing the exact right combination of coverages required to properly insure the business against potential risks.

Entertainers

We insure individuals involved in the entertainment industry including musicians, touring entertainers, actors, writers, directors, producers, screenwriters, editors, or people who are simply high profile and need protection from lawsuits in this highly litigious society.

The Truman Van Dyke Company has a long history of handling the insurance needs of entertainers and other high profile entertainment industry professionals, (see our company’s history). When Truman Van Dyke Sr. left silent pictures in the late 1920’s, his first clients were the entertainers and other professionals he knew from his silent film days.

These individuals are often represented by business management firms, we can work with these managers performing a very specialized role as a trusted business partner. Our attention to detail, market knowledge, and responsiveness set us apart from our competition. Our clients can call us at any time and expect results. We work with the top entertainment insurers to obtain the best coverage possible, at the most competitive rates, without sacrificing coverage and protection.

Entertainers may require any number specialized insurance policies including:

  • General Liability for Shell Corporations
  • Umbrella Coverage
  • Personal Lines (Home & Auto)
  • Coverage for their tours and performances

Click on the headings below to read more:

GENERAL LIABILITY FOR SHELL CORPORATIONS

Typically entertainers operate as Shell Corporations, mostly as a way to conduct their business anonymously away from the curious eyes of a celebrity enthralled public. The classic definition of a shell corporation is 'a corporation without significant assets or operations', but often this is NOT the case with an entertainer's shell corporation. For example the simple act of hiring a personal assistant may expose the entertainer to bodily injury or property damage claims. A General Liability policy for a shell corporation is essential to fully protect the entertainer.

The Truman Van Dyke Company has a near 80 year legacy of insuring entertainers and providing general liability insurance for their shell corporations. Truman Van Dyke Sr. was a pioneer in this field of insurance. No other entertainment insurance agency has this vast experience to draw from.

UMBRELLA COVERAGE

Contrary to popular belief an umbrella policy is not simply extra insurance coverage that sits on top of primary insurance policies, i.e. homeowner's policy, auto policy or general liability policy. A true umbrella policy would fill in coverage gaps in underlying primary policies. If an entertainer were to be successfully sued, and the legal defense costs and award exceeds the limit of their primary policy, an umbrella policy would pay for costs exceeding primary policy limits, up to the umbrella policy limit. If a primary insurer declines any coverage under their policy, an umbrella policy can fill that gap and provide coverage. In this celebrity crazed and litigious society, an Umbrella policy with at least a 5 million dollar limit is often essential for the entertainer or other high net worth individuals.

The Truman van Dyke Company is expert at finding quality and competitively priced umbrella policies for the often unique and complex primary policy portfolio of the entertainment professional.

PERSONAL LINES (HOME & AUTO)

Entertainers and other entertainment professionals often have unique requirements for their personal lines of insurance. These requirements include high valued homes, multiple homes, high valued automobiles, multiple automobiles, automobile collections and facilities to garage them, etc. Truman Van Dyke has access to many personal lines markets geared towards these special circumstances.

TOURS & PERFORMANCES

Entertainers that perform live and or tour must insure these events. The coverages required typically include the following:

  • General Liability
  • Workers' Compensation
  • Non Owned and Hired Auto
  • Equipment Floater
  • Umbrella

The Truman Van Dyke Company is expert in putting together a comprehensive package of policies to properly cover touring musicians, theatrical productions and other entertainment endeavors that involve travel, venues, hired musicians and actors, etc.

General Liability

A tour is treated as a business operation with a limited duration. A general liability policy specifically for the duration of the tour is required to protect the entertainer from claims of bodily injury or property damage as a direct result of the tour or performance.

Workers' Compensation

Anyone hired to work on a tour must be covered by workers' compensation in most states. We have access to a broad array of workers' compensation markets and know the ins and outs of insuring a multi state tour.

Non Owned and Hired Auto

Any tour or performance will usually include a transportation component that exposes the entertainer to bodily injury or property damage claims arising out of the use of motorized vehicles, (tour buses, equipment trucks, rented automobiles, etc.) A special short term Non Owned and Hired Automobile policy is required to properly cover the traveling entertainer.

Equipment Floater

Often a tour or performance will entail expensive equipment, either owned by the performer, or rented. An equipment floater will be required to properly insure the entertainer from direct physical damage to or loss of the equipment.

Special Events

Venues

We provide all insurance needs of venues of any size, such as auditoriums, music halls, amphitheaters, stadiums, convention centers and performing arts theaters. We can tailor a policy to cover the liabilities and potential exposures based on the type of events held at a particular venue. As experienced insurance agents in the entertainment industry, we recognize the unique needs of the venue or property owner and are able to provide the protection they need.

As an example, pyrotechnics are excluded under most general liability policies. If an event held at your venue involves pyrotechnics such as music concerts, then you may be gravely underinsured.

You need an experienced entertainment agent like the Truman Van Dyke Company who can provide you with the protection you need for your venue. We can get you broader coverage without the standard exclusions that most insurers add to a typical general liability policy at the best affordable price.

 

 

Special Events

A special event is essentially a one time event in which insurance coverage is provided for the duration of the event, otherwise known as short term coverage. These events may have attendance of 100 people to 500,000 people. These can be anything from a one day filming event or company picnic, to a 30 day convention with 500,000 attendees. These include special events such as music concerts, festivals, parades, trade shows or a business conference.

Regardless of size or event type, the owner of the location where an event is taking place will require a minimum of $1,000,000 General Liability insurance evidenced by a certificate of insurance. We are expert at placing coverage of this nature quickly, professionally, and accurately so that the needs of the venue owner are met, and the event can commence without a hitch. Some contractual liability requirements especially for larger events can be complex and require very high limits. Again, we are experts in this arena and have access to the top insurers who write this very specialized class of business.

Contingency Coverages

This is a special insurance product that protects you against Event Cancellation, Non-Appearance or Abandonment of a Performer crucial to your event, Prize Indemnity, and Weather or Rain Insurance. As we say in show business, the show must go on. If you are promoting a special event or just planning a wedding, if your event is cancelled due to unforeseen circumstances such as sickness or severe weather conditions, you could be out a substantial amount of money. We can protect you against these unforeseen events.

Cyber Liability

What is Cyber Risk?

Cyber Risk is first and third-party risk associated with e-business, the Internet, networks and informational assets.

Who is at risk?

  • Business Owners who operate a website.
  • Business Owners who are concerned with their clients’ and employee’s information being compromised.
  • Business Owners who are concerned about copyright/trademark infringement.
  • Business Owners who are aware of the risks associated with computer hackers, viruses and other damaging computer programs.
  • Business Owners who understand the importance of upholding and preserving their professional reputation should an incident occur.
  • Business Owners who keep electronic records of clients names, addresses, phone numbers, social security numbers, credit card numbers and other sensitive information.
  • Business Owners who accept credit card payments.
  • Business Owners who may have employees that could compromise sensitive customer information or do something illegal to make some money.
  • Business Owners who use laptops, Blackberries or other portable devices that store client information.

What does a Cyber Security / Privacy Policy Cover?

Third Party Liability

  • Disclosure Injury – Including lawsuits alleging unauthorized access to or dissemination of the plaintiff’s private information. (Can be extended to outsourced data processing and data storage services.)
  • Content Injury – Including suits arising from intellectual property infringement, trademark infringement, and copyright infringement.
  • Reputational Injury – Including suits alleging disparagement of products or services, libel, slander, defamation, and invasion of privacy.
  • Conduit Injury – Including suits arising from system security failures that result in harm to third-party systems.
  • Impaired-Access Injury – Including suits, civil fines and penalties arising from system security failure resulting in your customer’s systems being unavailable to its customers.

First Party Cyber Crime Expenses

  • Privacy Notification Expenses – Including printing, drafting, postage, call center costs and advertisements, cost of credit-monitoring services, credit freezes and fraud alerts for affected customers (even when state law doesn’t require notification). Estimated at $30 per person.
  • Forensic Costs – Costs to determining how the breach occurred.
  • Crisis Management and Reward Expenses – Including the cost of public relations consultants to maintain the reputation of the business.
  • E-Business Interruption – Including first-dollar extra expense.
  • E-Theft and E-Communication Loss – Extended to networks outside of your company’s system.
  • E-Threat or Cyber Extortion – Including the cost of a professional negotiator and ransom payment to stop cyber attacks caused by malicious hackers.
  • E-Vandalism Expenses – Even when the vandalism is caused by an employee.

Examples:

A manufacturer hosted a site banner for a key vendor. The manufacturer was unaware that the vendor’s slogan was similar to a slogan of a company based in France. The manufacturer was dragged into an international trademark infringement lawsuit. Claim Value: $700,000

A chain of luxury hotels was expanding it’s operations worldwide. They needed to upgrade their billing system to accomodate various currencies and tax rates. The chosen vendor upgrading the existing system, meeting all time requirements and milestones. However, during the final phase of installation, one of the installers accidentally erased $ 1.8 million of crucial data. As a result the customer sued the software installation company for the losses they incured. Claim Value: $1.8 Million

During a national trade convention, the CFO of a prominent company read from a media kit about its products and those of competitors, including defamatory comments about the executive officers of a competitor. The competitor sued for libel and slander for $1.5 Million

A bookseller created a Web site to promote itself. The Web site included passages from books. The publisher and author of one of the books quoted on the Web site sued the bookseller, alleging copyright infrinement and theft of intellectual property. The case settled for approximately $60,000. The bookseller incurred defense costss close to $35,000.

A software development company was sued by one of its best customers after using the company’s cost-estimating program. The custommer claimed that a defect in the software caused them to underbid several projects. After a lengthy investigation, the software was found free of any defect, and it was user error that caused them to underbid. The customer dropped the case after considerable legal expenses were incurred by the software developer.

 

 

 

Truman Van Dyke is the premier one-stop insurance brokerage for the Entertainment Industry. We offer complete insurance solutions for the production of feature films, television, commercials and documentaries.

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