Business insurance in Burbank and Glendale, where the certificate is usually due today.

Usually the same day where a policy is already in force, and that is most of what this desk does. Send the exact wording the studio or location gave you rather than a summary of it, because the entity name, the additional insured language and the limits have to match what they asked for or the certificate is rejected at the gate. Where no policy exists yet, a short term production policy can often be bound quickly, though not in an hour, so a day of notice changes the answer a lot.

Request a certificate

The owner worked in the industry before this one and carries the television credits to show for it, which is why the questions on a submission are the right ones. Production, loan out companies, rigging, touring, festivals and live events each place differently and we write across all of them. Judge that on specifics rather than on the claim, because a broker who knows the difference between a loan out and a production entity will demonstrate it in the first five minutes.

Who we are

Almost certainly yes, and this is the single most expensive assumption in production. California decides employment status by the working relationship rather than by what the deal memo says, and an auditor who decides your crew were employees assesses their pay as payroll at your rate, retroactively. On top of that, a studio or a network will frequently require evidence of coverage regardless of how the crew is engaged.

How a premium audit works

For production it depends on whether you need an annual policy or a short term one for a single project, and on what the gear and the crew look like, so the range is wide. For an office based business in Burbank or Glendale the range starts near $500 a year for general liability alone. Either way the useful first step is sending the contract that is demanding the insurance.

One structure, and it is usually several policies inside it, each naming every entity it has to answer for. The mistake is not the number of policies, it is an employee working for a subsidiary that no policy names. We set this up for a Georgia holding company with six operating subsidiaries and a shared workforce, and the gaps we found were in the places the owners had not thought of as insurable businesses at all, a technology services arm with no errors and omissions and a party planning arm with no event liability. Start with a list of every entity, what each one does, and which people work for more than one.

Technology errors and omissions insurance

The policies look alike; the rules underneath do not. Each state has its own regulator, its own workers comp threshold and rating bureau, its own surplus-lines rules, and its own quirks: percentage windstorm deductibles in Florida, the FAIR Plan in California, monopolistic workers comp in Ohio, Washington, North Dakota and Wyoming. The state pages below carry those specifics with sources.

Yes. Boring Insurance Agency is licensed in all 50 states and the District of Columbia. Every state page names the regulator where you can verify that.

Mostly no, and relying on them is the classic mistake. State minimum auto limits are written for personal cars; commercial contracts check certificates against $1M. Workers comp is the exception. Its threshold is genuinely state law, and it is on each state page with the statute.