What is DICE/Annual Productions Insurance?
DICE (Documentary, Industrial, Commercial, Educational) and Annual Productions insurance is a specialized type of coverage designed for filmmakers and media producers who create non-theatrical content. This includes corporate videos, training films, commercials, documentaries, and educational media. The policy is typically structured to cover multiple short-term projects over a 12-month period under one umbrella, offering convenience and cost-efficiency for active production companies.
Who Needs It
This insurance is ideal for production companies, independent filmmakers, marketing agencies, and educational organizations that produce multiple media projects throughout the year. It is especially useful for independent content creators who manage recurring media assignments or commercial shoots in various locations.
What It Typically Covers
A comprehensive DICE/Annual Productions policy may include a combination of the following:
- General liability – Covers third-party bodily injury or property damage, such as a client tripping over cables on set.
- Property coverage – Insures production equipment like cameras, lighting, and audio gear against theft or damage.
- Rented equipment coverage – Protects gear rented from third-party suppliers, which is common in commercial productions.
- Commercial auto exposure – Can apply if vehicles are used to transport crew or gear to shooting locations.
- Errors & omissions (E&O) – May be required by distributors to protect against copyright or defamation claims.
For example, if a light stand falls and damages a filming location’s flooring, general liability insurance could help with repair costs.
Common Exclusions or Limitations
Policies may exclude:
- Stunt work or hazardous filming activities unless specifically endorsed
- Live event coverage or theatrical features
- Losses due to wear and tear or mechanical breakdown of equipment
- Coverage outside specified territories or production types
It's important to discuss your specific production activities and locations with your insurance provider to avoid coverage gaps.
Factors That Influence Cost
Several underwriting factors can affect the cost of DICE/Annual Productions insurance:
- Number of productions and their scale
- Type and value of owned or rented equipment
- Filming locations (studio vs. on-location)
- Past claims history
- Use of special effects or high-risk scenes
The nature of your operations—such as frequent travel or use of drones—may also influence premiums.
Proof of Insurance & Compliance
Production companies often need to show proof of insurance to access filming permits, rent equipment, or secure distribution deals. A certificate of insurance (COI) can be issued quickly once coverage is bound, helping to meet vendor or municipal requirements.
How to Get a Quote
To get started, gather key details about your production activities, equipment inventory, and projected number of shoots. An experienced insurance provider can help tailor coverage to your needs and ensure compliance with industry standards.
Request a DICE/Annual Productions Insurance Quote
For a broader understanding of related production insurance options, visit the DICE Insurance Overview page.
If your productions involve manufacturing or technical components, you may also want to explore our Appraisal Management Insurance options for specialized liability coverage.
Frequently Asked Questions
What types of productions are eligible under a DICE policy?Eligible productions typically include documentaries, commercials, corporate videos, industrial training films, and educational content. Is coverage available for international shoots?Some policies offer international coverage, but it must be specified and approved during underwriting. Can I add coverage for rented drones or aerial filming?Yes, but drone operations usually require an endorsement and must comply with FAA regulations. Do I need E&O insurance separately?Errors & omissions coverage is often a separate policy but can be bundled depending on the provider and project needs. How quickly can I get a certificate of insurance (COI)?Once coverage is bound, COIs can usually be issued within one business day.
Still have questions? Talk to a local insurance expert.
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