I WANT YOUR BUSINESS!

If you’re in CA, TX, FL, NV, or TN I want to earn your business! I’ve exclusively insured the entertainment Industry since 1994 and specialize in Production, Concerts, Touring Bands, and Large Events. Only write for A-Rated carriers and have a great track record.  Please call me: 949.498.7017 or 800-829-8445. You can also visit www.zeboray.com

Why it’s important to fully understand Production Insurance

Production Insurance actually encompasses multiple policies. These can include General Liability, Inland Marine, Hired/Non-Owned Auto Liability, and Work Comp. 

Today I am going to focus on the relationship between Inland Marine and Hired / Non-Owned Auto Liability (HNOA), specifically damage to vehicles and rented locations. 

HNOA provides for liability to damage caused by you – the insured – against another’s property – for example an auto accident. So can you assume the same will hold true if you hit one of your Hired Autos with another? No, not unless you have Hired/Non-Owned Auto Physical Damage coverage. Most assume that because both vehicles are property of others it should be, but once those vehicles are in your care, custody, and control it is no longer considered someone else’s property. 

The same can be applied to locations. If you drive your hired auto into a building on the main street (that has no relation to the shoot), damage to that building is covered under your HNOA policy. But what if you accidently drive it into the location you are filming at? There will be no coverage for that location unless you have Third Party Property Damage (aka location insurance). This is for the very same reason as the paragraph above – the location is in your care, custody, and control. 

While these are two examples, there are enough to fill a small book. It is for this reason that you want to explore all potential options when contacting your broker for a Production Insurance quote. If you don’t have a full understanding of all the caveat’s you run the risk of a major financial loss. 

And above else, pay close attention to the term Care, Custody, and Control, as that plays a huge and often overlooked part in whether a claim is paid. 

Few people take the time to read their policies but I can’t stress enough how important it is to do so. Highlight anything you don’t understand and ask your broker for an explanation. You may well find there is additional coverage you’ll want to add – before it’s too late.

Greg @ zeboray.com

I’M HEADING BACK TO CALIFORNIA

I arrive on Monday July 1^st and look forward to again seeing my clients face-to-face.

Travelling over the past two years, I have seen a lot of this country and enjoyed every minute of it (well except the 550 or so miles through West Texas!). I believe my work has gone smoothly and that each of my customers experienced no difficulty with my service and connecting with me.

I hope my recent Twitter / LinkedIn updates have proven beneficial to you. I believe I have picked some real good topics to help you with your entertainment business.

See you soon!

TWITTER and LINKEDIN UPDATES

I’ve begun to post blog updates from others in the music and film industry. I’m doing this as a way to help my clients – even if it doesn’t involve insurance. The sources I’ve chosen appear to be very knowledgeable and popular with high ratings so I’m sure you’ll find something of value in these postings! Please follow me on Twitter @GregZeboray to view these updates. Just note that these come from third parties so I don’t assume any liability regarding accuracy.

TWITTER and LINKEDIN UPDATES

I’ve begun to post blog updates from others in the music and film industry. I’m doing this as a way to help my clients – even if it doesn’t involve insurance. The sources I’ve chosen appear to be very knowledgeable and popular. However, I am not endorsing or guaranteeing their accuracy and assume no liability should their information prove wrong. Please follow me on Twitter @GregZeboray I’m sure you’ll find something of value in these postings!

APPLYING FOR ERRORS & OMMISSIONS INSURANCE?

I frequently get inquiries for (Production) E & O insurance and it seems many of those aren’t really prepared. To apply, you first need to have retained a Clearance Attorney. Why? Because the attorney not only sets all your clearance procedures, they are also named on the insurance application. Because that comes with significate risk for them, it is also common for the attorney to review the entire – completed production, including the underlying documents, to ensure that all necessary rights have been obtained and that there are no defamation, privacy, copyright or trademark violations.

If you don’t have a clearance attorney, you may want to consider Ted Gerdes (Gerdes Law in Beverly Hills, gerdeslaw.com). I’ve used him for years and he is as thorough and diligent as they come.

You’ll need to make sure that you have (among other items):

• Written warranties from all writers and other content providers

• Written agreement from all performers or persons appearing in your production

• Musical rights releases

Also, if you want title coverage make sure that you have obtained a title report and opinion letter.

I know this sounds overwhelming, but E&O is a very complicated form of insurance that protects many entities, including distributors and broadcasters. #productioninsurance