In 2014, actor Philip Seymour Hoffman sadly died whilst filming The Hunger Games: Mockingjay Part 2. However, the film was still released with the help of expensive post-production techniques. The additional costs to achieve the end production are covered by Cast & Crew Insurance.
Cast & Crew Insurance is designed to protect you against additional production costs and any committed costs that you’d be responsible for if a key individual were suddenly unavailable to work because of an accident, sickness or even death. It’s very flexible cover – you can insure all the people who can’t be replaced, and you can opt to cover just the filming period or the run-up period too. The post-production period is covered automatically. You can also extend the coverage to include “full non-appearance” – for reasons other than accident, sickness and death.
Think carefully when deciding who to insure. Think about the worst case scenario, as well as the leading artists/actors: what would it mean if the director, producer or principal camera operator were unavailable? Can they be replaced easily? There are often individuals aside from the actors who are critical to a production.
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Then the cast and key crew you insure will need a medical examination with an approved doctor. Until the medical reports are received and approved by the carrier, cover is on an "Accident Only" basis. In certain circumstances carriers may accept a "Statement of Health", providing the individuals are aged between 16 and 65 and are in good health. This would of course depend on the type of production - but it’s always worth asking. Talk to your broker about arrangements for any pre-existing medical conditions, pregnancy, hazardous activities/stunts involved in your production, or if the individual has to fly a plane.
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