What is Props, Sets, Wardrobe Insurance?
Props, sets, and wardrobe insurance is a specialized type of coverage designed to protect the physical items used in film, television, theater, and commercial productions. This includes costumes, furniture, scenery, and hand props, whether owned, rented, or borrowed. If these items are lost, stolen, or damaged during production, this insurance helps cover the cost of repair or replacement.
Who Needs It
This coverage is essential for production companies, independent filmmakers, content creators, and theater groups. Anyone responsible for managing or transporting props, sets, or wardrobe pieces during a production should consider this insurance. It’s especially important when shooting on location, moving equipment between sets, or renting valuable items.
What It Typically Covers
Coverage usually includes:
- Damage from accidents, fire, or water
- Theft or loss during transport or on set
- Vandalism or intentional damage
- Costs to repair or replace covered items
Some policies may also cover rented props and wardrobe, but it’s important to verify the details with your insurer.
Common Exclusions and Limitations
Every policy has exclusions. Common ones include:
- Wear and tear or gradual deterioration
- Damage due to negligence or improper handling
- Losses not reported in a timely manner
- Items not scheduled or listed on the policy
Always review your policy closely to understand what is and isn’t covered.
Factors That Influence Cost
The cost of props, sets, and wardrobe insurance depends on several factors, such as:
- Total value of the items insured
- Duration and location of your production
- Security measures in place during storage and transport
- Claims history of the production company
Providing detailed, accurate information when applying can help ensure proper coverage and pricing.
Proof of Insurance and Compliance
Many venues, rental houses, and production partners require proof of insurance before allowing the use of their space or equipment. A certificate of insurance (COI) serves as official documentation. Requirements can vary by state and project type, so make sure your policy meets the necessary standards.
How to Get a Quote
Getting coverage for props, sets, and wardrobe is simple. Provide details about your production, the value of your items, and your coverage needs to get started. Get a quote today.
Frequently Asked Questions
Does this insurance cover rented props and costumes?
Yes, many policies include coverage for rented items, but you should confirm this with your insurer and list all rentals on your policy.
Am I covered if items are stolen from a vehicle?
Theft from a vehicle may be covered if reasonable security measures were taken. Always check your policy’s terms and limitations.
Is damage during shipping covered?
Damage during transit can be covered if the items are properly packed and the shipping method meets policy guidelines.
Do I need separate coverage for each production?
Some policies are project-specific, while others can cover multiple productions. Discuss your needs with your provider.
How do I provide proof of insurance?
You can request a certificate of insurance (COI) from your provider, which lists the coverage details and named insured parties.
Still have questions? Talk to a local insurance expert.