If you want to rent equipment, hire professional actors or use certain locations, you’ll need insurance. Even if nobody asks you for it, it’s good to have in case of any breakages or accidents during shooting.
So, how do you get insurance?
Firstly, you work out the budget for your film. This is what the insurance company will base your quote on. On a normal (read: funded) feature shoot, the insurance premium will be a percentage of the overall budget (0.8/0.9%) but a certain minimum charge applies even if the budget is very low.
No Budget Shoot? Then my insurance must be nothing right? Nope. There has to be a budget in order to get insurance, otherwise there’s nothing to insure.
You have to include things like the value of the rented gear, value of your own gear being used or that of another crew member. Even if you’re not paying your crew, they’ll still need cover for their equipment.
Filming in a public space or hospitals, shops etc. You will usually need Public Liability Insurance and Employer’s Liability Insurance as well as equipment cover.
When you approach an insurance company it is best to have all your information organized beforehand. Solid shoot dates, locations confirmed where possible etc.
If you are shooting a few shorts over the course of a year, it usually much cheaper to get an annual policy. This covers multiple shoots and usually costs in the region 0f €250 – €400.
I would recommend both Aon Insurance and