Public Liability Insurance
When organising locations for a production, it is not only important to consider permitting requirements, but also your potential legal liability for any damage to property or injury to persons coming into contact with your production. Certain insurances are required by law throughout the period of a film production to protect against this.
Most public authorities within the ACT and NSW require public liability insurance cover for a minimum of $10 million to cover any loss, damage and/or injury caused by anyone employed or contracted by the Production Company. A copy of the independent filmmaker or production company’s current Certificate of Currency is usually required as evidence of the production’s insurance cover.
Within the ACT, public authorities such as Roads ACT or the National Capital Authority may also require a risk profile or risk management plan as part of the permitting process, depending on the size of the production. The ACT Government’s risk advisory website (www.insuranceriskadvice.act.gov.au) provides information to help organisations establish risk management frameworks, including examples of risk management plans.
Public liability insurance protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or “pure economic” loss resulting from your negligence. It can also cover your legal costs associated with defending a claim, even if you are not found to be negligent or liable for an incident giving rise to loss, damage, death or injury. However, public liability insurance may not cover legal liability in relation to certain other risks, such as liability for loss arising out of the use of a motor vehicle, which would need to be insured under separate policies.
Cover provided by public liability insurance is usually offered on an Australia-wide basis but can be extended to include overseas shoots.
Other types of insurance may also be relevant to your production, including Negative Risk, Multi-Risk for equipment, props and sets, travel insurance, Film Producer's Indemnity and Errors and Omissions.
An insurance agent can assist you to assess your risk and recommend appropriate insurance based on your production budget. Industry directories, such as The Production Book and Encore Directory, list insurance underwriters and brokers that provide insurance for the film industry. ScreenACT keeps copies of both of these directories in its office for use of members of the local industry. A time can be arranged for viewing the directories by contacting ScreenACT on 02 6205 0587 or by email at screenact@act.gov.au.
The information provided above has been sourced from the following:
The Arts Law Centre of Australia (www.artslaw.com.au)
Australian Film Commission (www.afc.gov.au)
business.gov.au (www.business.gov.au)
Cinesure (www.cinesure.com.au)
Film Insurance Underwriting Agencies Pty Ltd (www.fiua.com.au)
National Capital Authority (www.natcap.gov.au)
Roads ACT Special Events Handbook (www.roads.act.gov.au)
ACT Government Risk Advisory Service (www.insuranceriskadvice.act.gov.au)
Most public authorities within the ACT and NSW require public liability insurance cover for a minimum of $10 million to cover any loss, damage and/or injury caused by anyone employed or contracted by the Production Company. A copy of the independent filmmaker or production company’s current Certificate of Currency is usually required as evidence of the production’s insurance cover.
Within the ACT, public authorities such as Roads ACT or the National Capital Authority may also require a risk profile or risk management plan as part of the permitting process, depending on the size of the production. The ACT Government’s risk advisory website (www.insuranceriskadvice.act.gov.au) provides information to help organisations establish risk management frameworks, including examples of risk management plans.
Public liability insurance protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or “pure economic” loss resulting from your negligence. It can also cover your legal costs associated with defending a claim, even if you are not found to be negligent or liable for an incident giving rise to loss, damage, death or injury. However, public liability insurance may not cover legal liability in relation to certain other risks, such as liability for loss arising out of the use of a motor vehicle, which would need to be insured under separate policies.
Cover provided by public liability insurance is usually offered on an Australia-wide basis but can be extended to include overseas shoots.
Other types of insurance may also be relevant to your production, including Negative Risk, Multi-Risk for equipment, props and sets, travel insurance, Film Producer's Indemnity and Errors and Omissions.
An insurance agent can assist you to assess your risk and recommend appropriate insurance based on your production budget. Industry directories, such as The Production Book and Encore Directory, list insurance underwriters and brokers that provide insurance for the film industry. ScreenACT keeps copies of both of these directories in its office for use of members of the local industry. A time can be arranged for viewing the directories by contacting ScreenACT on 02 6205 0587 or by email at screenact@act.gov.au.
The information provided above has been sourced from the following:
The Arts Law Centre of Australia (www.artslaw.com.au)
Australian Film Commission (www.afc.gov.au)
business.gov.au (www.business.gov.au)
Cinesure (www.cinesure.com.au)
Film Insurance Underwriting Agencies Pty Ltd (www.fiua.com.au)
National Capital Authority (www.natcap.gov.au)
Roads ACT Special Events Handbook (www.roads.act.gov.au)
ACT Government Risk Advisory Service (www.insuranceriskadvice.act.gov.au)