Almost nobody outside film buys this by name, and productions have to.Founded by an Emmy-nominated television editor.
Third party property damage covers damage to property you are using for a shoot, the location and what is in it, which the general liability care, custody and control exclusion removes.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
We were editing television long before we were insuring it.
Kevin Kelsey
Founder | Principal Agent
IATSE Local 700 member
Boring’s founder, Kevin Kelsey, edited television for fifteen years before he sold a policy. He was Emmy-nominated for The Muppets Mayhem, cut Shark Tank, Big Brother, Dancing with the Stars and Wheel of Fortune, and handled compliance and risk for some of Hollywood’s largest production companies. So the person building your coverage has been on a crew list, dealt with the permit offices, and met network and streamer requirements from the production side, rather than working from a rate manual. He also builds post-production software. Manifest Post is the board episodic post teams use to track every episode, and B/side is a video editor for people who cut together. He holds a number of patents on that software. So he knows the post side of a production as a vendor to it. We insure productions from Los Angeles to Atlanta, New York and Toronto, with worldwide and foreign production coverage.
The work is placed with the markets that actually write film, television and live entertainment — Zurich through ISC Entertainment (formerly Abacus), Philadelphia Insurance Companies, Take1 and Alive Risk — rather than with a general small-business carrier asked to try.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What third party property damage covers.
The location
Damage to the premises you are shooting in or on.
Without it — A scorched floor or a damaged wall is billed to you with general liability declining.
Contents in your care
Fixtures, furniture and equipment at the location while you are using it.
Without it — The owner’s deposit claim is entirely uninsured.
Where third party property damage shows up.
- Film & Entertainment
General liability excludes property in your care, which is exactly what a location is once you are shooting in it.
- Staging & Rigging Companies
The building you are rigging into is somebody else’s property, and a beam clamp that marks a historic ceiling is a claim.
- Recording Studios
A vintage guitar or a hired synth left in your live room is property in your care, and general liability excludes it outright.
- Television Production
Locations are handed back at the end of a block, and damage found afterwards is billed to the production.
- Production Vendors
Damage to the location, the stage or the production’s own property while you are working on it.
- Music Video Production
The location is handed back at wrap, and damage is billed to the production.
- Feature Films
Locations are handed back at wrap and damage found afterwards is the production’s bill.
- Farm & Ranch YouTubers
Damage to the machinery, buildings and fences of a farm you are filming on, which general liability leaves out because you are using them.
What clients with third party property damage ask us.
Do I need this if I am not a production company?
Almost certainly not, and it is worth saying plainly because the name is generic enough to sound universal.
Is this not covered by general liability?
No, and the reason is specific. General liability covers damage to other people’s property in general but explicitly excludes property in your care, custody or control, and the entire point of a location agreement is that the property is temporarily in your care. It is the most predictable claim in production and the one most often assumed to be covered.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.