Why Feature Films Need the Right Insurance: A Guide for Producers and Filmmakers Bob Lilly

Producing a feature film is a huge achievement—but it’s also a massive investment with equally massive risk. Whether you’re working on an indie drama or a major studio production, one mistake, accident, or delay can derail the entire project. That’s why feature film insurance isn’t just a box to check—it’s a vital safeguard for your budget, timeline, and reputation.

At Movie Insure, we specialize in protecting every stage of film production, from development to post. Here’s what you need to know about insuring your next feature film.

 What Makes Feature Films Riskier Than Short-Term Projects?

Unlike commercials or music videos, feature-length films often involve:

• Extended shooting schedules

• Larger crews and more talent

• Expensive rental equipment

• Multiple locations and permits

• Complex logistics, travel, and stunts

With more moving parts comes more exposure. Without the right coverage, you risk not only financial loss but also losing distributor confidence or facing legal action.

Key Coverages for Feature Film Productions

Movie Insure offers tailored policies that cover the most critical risks for feature films. These may include:

1. General Liability

Protects against claims of property damage or injury to third parties on set or on location.

2. Cast Insurance

Covers losses if a key cast member is injured, falls ill, or passes away, causing delays or cancellation.

3. Production Equipment Insurance

Covers rented or owned gear against damage, theft, or loss during filming or transit.

4. Errors and Omissions (E&O)

Protects the film against legal claims related to content, such as copyright infringement, trademark use, defamation, or breach of privacy.

5. Workers’ Compensation

Provides benefits if a crew or cast member is injured on the job, as required by law in most filming locations.

6. Extra Expense and Negative Film

Covers added costs due to delays, as well as the cost of re-shooting lost or damaged footage.

Certificates, Permits, and Compliance

Distributors, unions, rental companies, and city agencies all require specific insurance documents before allowing your production to proceed. Movie Insure can issue fast, customized certificates of insurance (COIs) that meet these industry standards and ensure compliance with SAG-AFTRA, IATSE, DGA, and more.

Why Choose Movie Insure for Your Feature Film?

• We specialize in the entertainment industry

• Fast quotes and fast COIs

• Policies written for your project’s actual needs

• Nationwide coverage

• Personalized service from people who understand production

Our team doesn’t just know insurance—we know film. We’ll walk you through every requirement, explain what coverage is non-negotiable, and help you avoid common pitfalls.

Make Sure the Only Drama Is on Screen

Every great movie has plot twists—but your production insurance shouldn’t. Partner with Movie Insure to get the coverage your feature film needs to succeed from script to screen.

Contact us today for a free consultation or quote.

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