Documentaries are a special niche in the film industry, facing challenges and processes that other projects, such as feature films, would approach differently. As a result, it is essential for documentary producers—especially those filming on location—to secure customized insurance for documentary production.
This includes independent filmmakers, small production companies, and even larger documentary production houses. From protecting equipment and managing risks to ensuring coverage for potential liabilities while on location, professionals should be free to focus on creativity and storytelling with the confidence that their insurance coverage will protect them.
Here is what you need to know.
Comprehending the Basics of Documentary Production Insurance
Documentary production insurance is a different branch of insurance coverage than feature film insurance. While both documentaries and feature films share some common elements, such as the use of filming equipment, they often approach their subject matter differently.
Where a feature film may need coverage for stunt actors and special effects, documentaries can benefit from increased professional liability protection if they accidentally defame a living person.
They are also more likely to run into issues with filming on-location since documentaries often require the crew to film at sites relevant to the story (rather than on sets).
General Liability Insurance
One of the most essential insurance coverages for documentaries, general liability insurance offers protection against third-party claims. For documentaries shot on location in areas with public access, general liability insurance provides much-needed coverage for property damage and bodily injury.
Should someone suffer an injury while filming (such as tripping over a wire), general liability insurance can pay for their medical treatment. If camera equipment dents someone’s car, this insurance can pay for repairs.
Equipment Insurance
Equipment keeps a documentary moving; from cameras and lighting to sound, many types of equipment are non-negotiable for a polished final product. Equipment insurance offers coverage for rented and owned equipment, depending on the policy, protecting valuable gear.
If a camera stops working—or, in the case of a documentary production, if something is stolen while filming in a public location—equipment insurance covers the cost to repair or replace the item. This is essential for staying on time and on budget, especially if distribution agreements are already in place.
Errors and Omissions Insurance
Documentaries are especially prone to claims of libel, slander, accidental brand copyright violations, and more due to their basis in the real world, not fiction. E&O insurance protects against legal claims related to the content—including the people represented and the objects or locations used.
Workers’ Compensation Insurance
Documentaries are often bound by the same regulations as feature films when it comes to workers’ compensation insurance. This coverage for crew injuries and illnesses benefits the producer and the crew.
For the producer, it can streamline the timeline should someone get hurt, and for crewmembers, it is reassuring to know that their medical bills, rehabilitation, and time off work can be covered. Most venues will not grant a filming permit if a studio does not have workers’ comp insurance.
Auto Insurance for Production Vehicles
If your documentary uses rented or owned production vehicles, auto insurance is non-negotiable. This protects against the costs associated with damage caused by accidents and potential property damage resulting from production-owned vehicles.
Travel Insurance
Travel insurance can be helpful depending on where a documentary is being shot. Coverage often includes financial compensation for trip cancellations and interruptions, offering protection for cast and crew during travel. For international locations, this can be especially important.
Specialty Insurance Policies
Every documentary is exclusive, and the types of insurance that may benefit you might not be a good fit for other productions. In general, other types of coverage that may be useful depending on the type of documentary being shot include:
Event cancellation insurance- Drone insurance for aerial footage
- Professional or umbrella insurance to bridge gaps in coverage
Working with a trusted insurance provider who has experience specifically in the film industry is a valuable asset. They can provide personalized guidance based on years of knowledge about what works for documentaries to keep them protected against their most common risks.
Secure Your Documentary Production With MFE Insurance
Whether this is your first documentary or you are auditing your standard coverage, be sure to partner with an insurance agency with extensive film industry experience. MFE Insurance’s expertise in documentary production allows us to offer personalized guidance and help you predict what sorts of issues may arise, both on and off set.
MFE Insurance’s customized coverage options address the specific needs of your production, and our exceptional customer service makes dealing with claims simple.
Contact MFE Insurance for a consultation and quote.