General liability excludes property in your care. A location is property in your care.
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.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What third party property damage businesses actually need.
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.
What third party property damage operators ask us.
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.