How do I check a video production company’s insurance for gear and shoots?

Production companies work in many settings, so one policy rarely fits every job. Ask which policies are in place and what each covers: equipment, rentals, general liability, and any cover for work on client sites. Check who is named on each policy and whether the cover continues after a sale.

Next, compare the paper with the practice. If the crew flies drones, shoots abroad or uses rented gear, ask whether the policy specifically includes those activities. Look at what clients ask for. Many require proof of cover before a shoot, so ask to see recent certificates. Check whether freelancers carry their own cover. Ask whether the company has ever been turned down for a job because of its cover. That question reveals how well the insurance matches what clients expect.

Finally, ask about claims. Request the history of damage, theft or accidents, and what the insurer paid. A broker can explain the wording and tell you whether the cover suits the work. Your lawyer can read the client contracts for indemnity terms, and your insurer can quote changes once you take over. Keep copies of every policy and certificate you review for your own files.

Key takeaways

• Read what each policy covers: owned gear, rentals, shoots and liability.
• Check that the cover matches drones, travel and freelancers.
• Ask for the claims history and recent client certificates.
• Have a broker confirm that the cover suits the work before you close.