What is DICE (Documentaries, Industrial, Commercial and Educational)?
DICE insurance is a specialized type of film production insurance designed for producers creating content in the documentary, industrial, commercial, or educational categories. This insurance helps protect production companies from financial losses due to property damage, liability claims, and other risks during filming. Unlike short-term production policies, DICE policies are often annual and cover multiple projects under a single plan.
For producers handling sensitive topics or environments, such as educational content or corporate responsibilities, DICE insurance can ensure compliance with industry standards and contractual requirements, which is vital for safeguarding both the production and its participants.
Who Needs It
DICE insurance is ideal for production companies or independent filmmakers who regularly produce non-theatrical content. You may need DICE coverage if you’re involved in:
- Documentary filmmaking
- Corporate or training videos
- Educational programming
- Commercials for broadcast or digital use
Whether you’re working with a small crew or on multiple projects throughout the year, DICE insurance can provide consistent protection without the need to purchase a new policy for each production.
What It Typically Covers
A standard DICE policy may include several types of coverage to protect different parts of your production:
- General liability: Protects against third-party claims for bodily injury or property damage.
- Equipment coverage: Covers owned or rented gear used in production.
- Property damage: Covers damage to sets, props, and filming locations.
- Auto liability: Covers vehicles used during production, including non-owned or hired autos.
- Workers’ compensation: Provides coverage for crew injuries, where required.
Common Exclusions and Limitations
While DICE insurance offers broad coverage, there are standard exclusions that typically apply:
- Stunts or hazardous activities not disclosed in advance
- Intentional acts or criminal behavior
- Coverage outside specified territories (e.g., international shoots without proper endorsements)
- Unlisted equipment or property
Always review your policy details and endorsements to understand specific limitations.
Factors That Influence Cost
Several factors can affect the cost of DICE insurance, including:
- The number and types of productions planned
- Production budgets
- Risk level of activities (e.g., aerial filming, stunts, water shoots)
- Location of filming
- Size of crew and amount of equipment
Rates vary based on your operations, so it’s important to provide accurate details when applying for coverage.
Proof of Insurance and Compliance
Many locations, rental houses, and clients will require proof of insurance before you can begin filming. A Certificate of Insurance (COI) is typically issued by your provider to show active coverage. Requirements may vary by state or production type, so it’s a good idea to consult with an experienced broker or insurer familiar with film industry standards.
How to Get a Quote
If you produce multiple documentary, educational, or commercial projects each year, DICE insurance can help protect your work and simplify coverage. Get a quote today to find the right plan for your production needs.
Frequently Asked Questions
Is DICE insurance required for all types of film production?
No, DICE insurance is typically needed for ongoing, non-theatrical productions. One-time productions may only require short-term policies.
Can I add crew members or equipment to my DICE policy during the year?
Yes, most policies allow you to add or update coverage as your needs change, but you should notify your insurer to ensure proper protection.
Does DICE insurance cover international shoots?
It depends on your policy. Some may include international coverage, while others require separate endorsements for overseas filming.
What’s the difference between DICE and short-term production insurance?
Short-term policies cover a single production, while DICE insurance is an annual policy that covers multiple projects.
Do I need DICE insurance if I only shoot online content?
If you regularly produce commercial or branded content for online platforms, DICE insurance may still be a good fit for your needs.
Still have questions? Talk to a local insurance expert.