Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 18, 2026.
GENERAL LIABILITY
Production - Other $26/month for general liability
WHY IT MATTERS
Why Production - Other need business insurance
Production work can involve active sets, changing locations, crew injuries, and client disputes. The right coverage mix addresses these risks separately based on the work you perform.
SCENARIO 1
A visitor is injured on set
During a shoot, a visitor trips over a cable and is injured. General liability insurance may help with a covered bodily injury claim and related legal defense, subject to policy terms.
SCENARIO 2
A crew member is hurt
A crew member is injured while moving production equipment. Workers' compensation insurance may help with covered medical care and wage replacement, subject to policy terms.
SCENARIO 3
A client alleges a costly error
A client says an editing or delivery error caused a financial loss. Professional liability/errors and omissions coverage may respond to a covered claim, subject to exclusions and the services listed in the policy.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Type of production work
On-location shoots, set construction, stunts, and public interaction may result in a higher quote than work limited to office-based editing.
Payroll and crew size
A larger payroll or crew can increase the workers' compensation portion of a quote because more people are performing covered work.
Revenue and project scope
Higher revenue or larger client projects may increase the amount of exposure evaluated for general liability and professional liability/errors and omissions coverage.
Work locations
Frequent location changes, client premises, rented venues, and public spaces can increase the liability exposure considered for a quote.
Coverage limits and deductibles
Higher limits can raise the quote, while a higher deductible may lower the rate for coverage where a deductible applies.
Claims history
Frequent or severe prior claims may lead to a higher quote, while complete claim details help clarify what happened and what changed afterward.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
Across the national market, rates and requirements vary by state and by carrier, as well as by where and how production work is performed.
State requirements
The states where employees work and business vehicles operate can affect which requirements and coverage terms apply.
Production settings
Studios, private properties, rented venues, and public locations present different exposures for a carrier to evaluate.
Travel footprint
Productions involving frequent travel or work across multiple states may require a broader review than work performed at one primary location.
222
Quotes analyzed
40
States represented
3
Coverage lines
BEST RATE
How to get the best rate
Describe your work accurately
List the production, editing, location, set, and client services you actually perform so the quote reflects your operations.
Update payroll and revenue
Prepare current payroll, revenue, employee, and crew information rather than relying on outdated estimates.
Gather contracts and claim details
Review client requirements and prepare clear records of prior claims, including corrective steps taken afterward.
Choose terms deliberately
Base limits on your contracts and risk exposure, then select deductibles your business could reasonably handle after a covered loss.
FAQ
Common questions
What business insurance should a production company consider?
The right mix depends on your work, crew, locations, and client contracts. General liability insurance, workers' compensation insurance, and professional liability/errors and omissions coverage address different risks and should be evaluated separately.
Is business insurance required for every production business?
Requirements depend on the state, contracts, clients, property agreements, employees, and vehicles involved. Review each obligation before choosing coverage and limits.
Does general liability insurance cover every production risk?
No, general liability insurance focuses on certain third-party bodily injury, property damage, and personal or advertising injury claims. Employee injuries and alleged service errors are evaluated under separate coverage lines and policy terms.
Do independent crew members eliminate the need for workers' compensation insurance?
Not necessarily. Worker classification and workers' compensation requirements vary by state and by the facts of the working relationship, so provide accurate crew and payroll details when requesting a quote.
How can I prepare for a business insurance quote?
Gather descriptions of your services, payroll, revenue, crew structure, work locations, contracts, requested limits, and prior claims. Complete information helps the licensed insurance partner evaluate each coverage line for your operations.