What is Short Term Productions?
Short Term Productions insurance is a specialized coverage designed to protect film, video, or multimedia projects that occur over a brief period—often a few days to a few weeks. Whether you're producing a commercial, music video, student film, or independent project, this insurance offers protection against a range of common risks encountered during production.
These policies are tailored for temporary production schedules and provide flexible terms that align with the unique needs of the entertainment and media industry. They help manage liability exposures, property risks, and potential equipment losses that may arise during production activities.
Who needs it
This type of coverage is commonly sought by independent filmmakers, student film crews, production companies, and content creators who are engaged in short-duration projects. Freelancers, videographers, and event organizers producing one-time or limited-run shoots may also benefit from this insurance.
Even small teams filming on-location or using rented equipment can face unexpected setbacks such as third-party property damage or crew injuries—making coverage essential for risk management.
What it typically covers
Short Term Productions insurance may include the following protections, depending on your policy:
- General liability – Covers third-party bodily injury or property damage during filming.
- Equipment coverage – Protects owned or rented gear against loss, theft, or damage.
- Property coverage – Covers sets, props, and wardrobe used in the production.
- Commercial auto exposure – May cover vehicles used for transporting gear or crew.
- Participant accident insurance – Optional coverage for cast or crew injuries.
For example, if a lighting rig falls and damages a rented venue, general liability coverage may respond to the claim.
Learn more about Film / Production Insurance options that support short-term projects.
Common exclusions or limitations
Policies may exclude coverage for stunts, hazardous activities, or filming in high-risk locations unless specifically endorsed. Intentional acts, pre-existing damage, and certain types of professional liability may also be excluded. Always review underwriting requirements and exclusions carefully before starting production.
Factors that influence cost
Several factors affect the premium for Short Term Productions insurance, such as:
- Project duration and number of shoot days
- Type and value of equipment used
- Location and risk level of filming sites
- Size of crew and number of participants
- Coverage limits and deductibles selected
Each production has unique underwriting factors, and insurers will assess the overall risk profile based on the specifics of your shoot.
Proof of insurance & compliance
Most venues, equipment rental houses, and municipalities require proof of insurance before allowing access to facilities or issuing permits. A certificate of insurance (COI) is typically provided after coverage is bound and outlines the necessary policy details and limits.
Having the right insurance documentation can help avoid delays and ensure compliance with location or vendor requirements.
How to get a quote
Getting coverage for your short-term production is simple. Gather basic details about your shoot, including dates, locations, crew size, and equipment needs. Then, work with a broker experienced in entertainment insurance to explore your options and secure tailored protection for your project.
Request a quote today to protect your next production with confidence.
Frequently Asked Questions
Is Short Term Productions insurance required by law?
No, but many venues and equipment rental companies require proof of coverage before granting access or service.
Can I get coverage for just one day of filming?
Yes, policies can be structured to cover a single day or multiple days, depending on your production schedule.
Does this insurance cover rented equipment?
Yes, if you include equipment coverage in your policy, it can protect against damage or theft of rented gear.
What happens if someone is injured on set?
General liability or participant accident insurance may cover medical expenses or legal claims, depending on your policy's terms.
Can I add additional insureds to the policy?
Yes, most insurers allow you to name venues, vendors, or partners as additional insureds on your certificate of insurance.
Still have questions? Talk to a local insurance expert.