General Liability Insurance
General Liability covers payments the insured will become legally obligated to pay as a result of Bodily Injury or Property Damage arising out of an occurrence during filming activities, live events or performances.
Film producers need this protection for their liabilities to others arising out of their operations. This contract protects them for their liabilities for unintentional bodily injury and property damage. It provides coverage for claims of bodily injury and/or property damage arising out of the filming of a picture. This coverage is required prior to filming on city and state roads or on any location sites requiring permits or certificates. Bodily Injury to Cast and Crew members is not covered here and should be covered by a Workers Compensation policy. This policy also excludes property damage to property involved with the production, automobile liability, large watercraft liability, & aircraft liability. These exposures can be insured with specific policies.
Rental Houses commonly request a "Certificate of Insurance" providing proof that they are named as Additional Insured on the the Production Company's General Liability policy. Locations, studios, and landlords will also usually request a "Certificate" naming them as Additional Insured, as they are concerned about Property Damage that you might do while on their property. Care, Custody & Control Exclusion: All Commercial General Liability policies contain an exclusion for property damage to property in the insured's care custody and control. The policy states " This insurance does not apply to: (h) property damage to (3) property in the care, custody or control of the insured or property as to which the insured is for any purpose exercising physical control". This exclusion was designed to exclude coverage for damage to property that should be covered under insurance specifically designed for property, such as equipment floaters, bailee insurance, fire insurance and so on.