Cast insurance can be part of a production policy or offered separately for specific situations. This insurance is subject to approval from an underwriter. Additionally, the production team may require cast members to take a medical exam. 

Producers usually purchase cast coverage for feature films and TV productions. However, other types of productions, except documentaries, can also acquire it. The production company is safeguarded from any financial losses or additional costs that may happen.

This can occur if a key cast or director of the project is unable to finish or start filming.

The cause can be death, injury, or illness.

Initially, insured persons have coverage for accident only, until they undergo an examination and complete a medical questionnaire. The insurer then will expand the coverage to include illness. You can also extend coverage to include kidnapping and bereavement. Insurance requires cast examinations to add select cast members to the waivers.