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What is Film & Media insurance?
Film & Media insurance protects the creative forces behind screen, broadcast, digital, and production‑based projects. From film sets and TV studios to animation suites, photoshoots, live broadcasts, and digital content creation, every story comes with risks behind the scenes. This cover helps safeguard people, equipment, and budgets from unexpected disruptions, keeping your creative operations moving smoothly from concept to final delivery.
Who we work with
We support a wide range of organisations and individuals across the screen, media, and creative industries, including but not limited to:
Screen production and creative content makers
This sector includes all creators involved in producing film, TV, video, photography, and digital content. From production companies and filmmakers to freelancers, drone operators, and online creators.
Technical, post‑production and specialist services
These companies supply the equipment, technology, and specialist skills that support production, including hire facilities, post‑production studios, and animation teams.
Education, training and emerging talent
This sector covers film schools, training programs, and students developing foundational skills and preparing to enter the screen and media industries.
Media, marketing and distribution
Organisations here promote, package, and deliver content, including advertising agencies, copywriters, broadcasters, streaming platforms, and publishers.
What does Film & Media insurance cover?
- Production risks
- Cast and crew
- Equipment and production assets
- Public and products liability
- Business and management
- Digital risks
- Production Package Insurance
A comprehensive policy that brings together the core covers a production needs, including cast / film producers’ indemnity, props, sets and wardrobe, production property, money, public and products liability, content media, and extra expense. - Film Producers Indemnity (cast Insurance)
Covers financial losses if a production is delayed, disrupted, or abandoned due to illness, injury, or death of key cast members. - Essential Elements Cover
This coverage provides the producers with the right to abandon a shoot in the event a key person becomes incapacitated due to an accident, illness or death, which prevents the completion of the production.
- Personal Accident Insurance
Covers accidental injuries sustained on set, with optional weekly benefit payments. - Business Travel Insurance
Covers cast and crew for travel related incidents, including delays, cancellations, and medical emergencies while travelling.
- Kit Insurance
Covers loss, theft, or damage to owned or hired production equipment. - Props, Sets & Wardrobe
Protects physical production assets against loss or damage during the production period. - Production and Picture Vehicles
Covers vehicles used both on camera and behind the scenes. - Equipment Breakdown Insurance
Covers mechanical or electrical failure of essential production equipment.
- Covers legal liability for third party bodily injury or property damage arising from film and television production activities.
- Management Liability Insurance
Covers directors, officers, and senior management for claims arising from their management decisions. - Business Interruption Insurance
Protects against loss of income following insured material damage that disrupts business operations.. - Professional Indemnity
Covers claims arising from professional advice, services, or creative work that result in financial loss due to error, omission, or negligence. - Errors and Omissions (E&O) Insurance
Covers claims arising from the production, distribution, or exploitation of content, including allegations of defamation, copyright infringement, breach of confidentiality, or other errors or omissions in creative work.
- Cyber Liability Insurance
Protects against cyber attacks, data breaches, ransomware, and other digital security incidents. - Multimedia Insurance
Covers risks associated with online content, digital media distribution, and related intellectual property or liability exposures. - Content Media Insurance
Provides cover for the reimbursement of production costs arising from the loss or damage of production media, including negatives or tapes, due to technical faults or whilst in transit.
Why choose Howden?
Fast, responsive support
Deadlines move quickly in media. We deliver rapid turnaround on quotes, certificates of currency, and claims guidance to keep your projects moving.
Trusted expertise
Your organisation is supported by a dedicated team of Media & Entertainment specialists with deep industry knowledge and global capability. We work as an extension of your team, not just your broker.
Future facing
Media and TV environments evolve quickly, and so do your risks. We apply innovative, forward‑thinking solutions to protect you against emerging exposures.
Tailored cover
Every media operation is unique. We build coverage around your specific needs, ensuring protection that genuinely fits your organisation.
Frequently asked questions
You can choose between an annual policy or a short term / single production policy for one off shoots.
Most policies offer worldwide coverage, please ensure all locations are declared in advance.
Yes, provided they are declared in advance. This includes activities such as fire and explosion SFX, pyrotechnics, water work, vehicle use, animals, and aerial filming. Any hazardous activities that are not disclosed may be excluded from cover.
Coverage for digital assets varies by insurer. Some policies include protection for data loss, corrupted footage, or media failure, provided proper backup procedures were followed. Failure to back up files may void this section of cover.
Freelancers, contractors, cast and volunteers engaged by the production are generally covered only for third‑party liability while performing duties for the production, but they are not covered for their own injuries, which means they should maintain their own personal or business insurance where appropriate.
Most production policies include transit cover for equipment transported between locations, domestically and internationally, provided it is transported safely (e.g., in a protective case and reasonable precautions). High‑value items or specialised gear require separate declaration.
You must declare any concurrent work in advance. Losses arising from undeclared external work may not be covered.
Yes. Public liability generally covers accidental property damage to filming locations, venues, or other third‑party property during production. However, it does not cover intentional modifications or alterations to locations or any damage arising from such changes.
Vehicles used as part of the production (on screen picture vehicles) can be covered but they require a separate declaration.
Recommended insurance add-ons
Multimedia liability insurance
Multimedia Liability insurance protects against claims arising from the creation, publication, broadcast, or distribution of content, including exposures such as defamation, invasion of privacy, and copyright or trademark infringement.Professional indemnity / E&O
Professional Indemnity insurance designed to protect against claims arising from negligent professional advice, guidance, or services that result in financial loss.Cyber insurance
The film and entertainment industry relies heavily on digital workflows, cloud storage, online collaboration platforms, and frequent file transfers, making it highly vulnerable to ransomware, malware, phishing, and data breaches.
