Certificates Of Insurance

In the course of production, you will be asked to supply your vendors and film permit offices with Certificates of Insurance. Many locations will also require a Certificate of Insurance. All contracts should be reviewed prior to signing. IT IS IMPORTANT TO FIND OUT EXACTLY WHAT IS BEING REQUIRED OF YOU. Review hold-harmless and indemnity clauses carefully – as if you had no insurance. Realize that insurance merely guarantees that you can pay to indemnify and hold harmless another party. However, your insurance may not cover all of the situations for which you are holding the other party harmless even when they are included as an Additional Insured. The Certificate Holder is an additional insured solely with respect to your negligence. Any other contractual liability obligations, must be cleared with the Insurance Company.

Before requesting a Certificate of Insurance, you should be prepared to provide the following information:

• The full and accurate name, mailing address, telephone and fax number
  of the Certificate Holder. It is also helpful to have a person’s name to direct it to.
  
  
• The requirements of the Certificate Holder as respects the amount insurance, the type of insurance coverage being requested.
  
  
• The specific wording required, such as an “Additional Insured” and/or “Loss Payee” by the Certificate Holder.

NOTE: Governmental Agencies, Municipalities, School Districts Museums and Historic Sites often have very specific forms and wording that must be on the Certificate for them to accept it. Take extra steps to secure a copy of their requirements. In some cases an additional premium may be charged.