Production Insurance in Canada

In most cases, yes. Film production insurance is typically required by filming locations, studios, unions, funders, broadcasters, distributors, and permitting authorities before production can begin. These organizations require proof of insurance to help protect against liability, property damage, and financial loss connected to production activities.

Requirements vary depending on the type, size, and location of your production. Even small or independent productions may be required to carry insurance to secure permits, rent equipment, or access filming locations. A Front Row advisor can help you understand what coverage is required for your specific project and ensure all contractual obligations are met before cameras roll.

The cost of film production insurance depends on several factors, including your total production budget, shoot duration, locations, equipment values, number of cast and crew, and the type of content being produced. Additional risks such as stunts, special effects, animals, or international travel can also affect pricing.

Independent filmmakers and smaller productions may be eligible for more streamlined or flexible insurance options, while larger productions typically require more comprehensive coverage. Front Row works with specialized insurers to help structure coverage that aligns with your budget while still meeting industry requirements.

A production insurance package typically includes core coverages such as commercial general liability, equipment insurance, and coverage for sets, props, and wardrobe. These coverages are designed to address the most common risks faced during film, television, and media production.

Additional coverages, such as cast insurance, extra expense, and errors and omissions (E&O), can be added depending on the needs of your production. Coverage is customized based on factors like shoot length, production type, and contractual obligations. Your Front Row advisor will help determine which coverages are essential and which are optional for your project.

Yes. Independent productions face many of the same risks as larger productions, including liability claims, equipment losses, and contractual requirements. Even a low-budget project can experience costly delays or claims if something goes wrong.

Film production insurance helps protect independent filmmakers financially and can be required to secure locations, equipment rentals, or distribution agreements. Front Row offers solutions tailored to independent filmmakers, helping provide professional-grade coverage without unnecessary complexity.

Errors and omissions insurance helps protect against claims related to intellectual property, including copyright infringement, defamation, invasion of privacy, or misrepresentation. These claims can arise from the content of a production, even after it has been completed.

E&O insurance is often required by broadcasters, streaming platforms, and distributors before a project can be released. While it may not be necessary during early production stages, it’s important to plan for E&O early to avoid delays in distribution. A Front Row advisor can help determine when and how E&O coverage should be arranged.

In many cases, yes. Equipment insurance can be structured to cover owned, rented, or borrowed production equipment, including cameras, lighting, sound, and grip. Coverage typically applies while equipment is on set, in transit, or in storage, depending on the policy terms.

Rental houses and lenders often require proof of insurance before releasing equipment. Front Row can help ensure your equipment coverage meets these requirements and reflects the full value of the gear being used on your production.

Yes. Film productions are dynamic, and insurance coverage often needs to change as schedules shift, locations are added, or equipment values increase. Many policies allow adjustments during production, subject to insurer approval.

Front Row understands the fast-paced nature of production and works with you to update coverage as your project evolves. Making changes early helps ensure there are no gaps in coverage when new risks arise.

It’s best to arrange film production insurance as early as possible, ideally before pre-production begins. Insurance is often required to obtain filming permits, secure locations, hire crew, and finalize contracts with vendors and rental houses.

Starting early allows time to review requirements, customize coverage, and issue certificates of insurance without delays. Front Row advisors can guide you through the process and help ensure coverage is in place when you need it.

Film production insurance can often be extended outside of Canada to cover international shoots, depending on the policy and the countries involved. International coverage may require additional underwriting information, higher limits, or specific endorsements.

If your production includes travel or filming outside Canada, it’s important to discuss this early so coverage can be arranged appropriately. Front Row can help coordinate coverage for domestic and international production activities under a single insurance program where possible.