What is Theaters-Motion Picture Workers Compensation (class code: 9155)?
Theaters-Motion Picture Workers Compensation (classified under code 9155) is a type of workers’ compensation insurance designed for employees working in the motion picture and theatrical production industry. This coverage helps protect employers and their staff by providing benefits for work-related injuries or illnesses. It includes coverage for a range of production roles, from camera operators to stagehands and sound technicians involved in filming or performing arts productions.
Who needs it
Any business or production company involved in theatrical or motion picture work that employs crew members, performers, or technical staff should consider this coverage. Common examples include:
- Film and television production companies
- Theater production groups
- Independent filmmakers employing contractors or staff
- Live event production companies
Even if you hire temporary or freelance workers, state laws may still require you to carry workers' compensation insurance to protect your team.
What it typically covers
This type of workers' compensation policy generally includes:
- Medical expenses for on-the-job injuries
- Missed wages during recovery
- Rehabilitation and physical therapy
- Ongoing care for serious injuries
- Death benefits for fatal work-related incidents
Coverage applies to injuries or illnesses that occur while performing job duties on set, during rehearsals, or while handling production equipment.
Common exclusions/limitations
While workers’ comp provides broad protection, there are some exclusions, such as:
- Injuries from intoxication or drug use
- Self-inflicted injuries
- Injuries occurring off-duty or outside job responsibilities
- Independent contractors (unless specifically covered)
It’s important to understand your policy’s terms and consult with a licensed insurance agent when setting up your coverage.
Factors that influence cost
The cost of Theaters-Motion Picture Workers Compensation insurance depends on several factors, including:
- Number of employees and type of roles
- Total payroll and job classifications
- Location of production
- Past claims history
- Risk level of specific duties (e.g., stunt work vs. office roles)
Rates and requirements vary by state, so getting a tailored quote is the best way to understand your potential cost.
Proof of insurance & compliance
Most states require employers to carry workers’ compensation insurance, and failure to comply can result in penalties or production delays. Proof of coverage may be necessary for:
- Securing filming permits
- Renting equipment or locations
- Contracting with unions or guilds
Maintaining proper coverage helps demonstrate compliance and protects your business from costly claims.
How to get a quote
Getting the right coverage starts with a tailored quote based on your production’s needs. Start your quote today to explore your options and secure the right protection for your team.
Frequently Asked Questions
What is class code 9155 used for?
Class code 9155 applies to employees involved in motion picture or theatrical productions, such as directors, camera operators, stagehands, and sound technicians.
Are independent contractors covered under this policy?
Typically, independent contractors are not covered unless specifically included in the policy. Coverage requirements may vary by state.
Do small production companies need workers’ comp?
Yes, in many states, even small production companies are required to carry workers’ compensation if they have employees or certain types of contractors.
What types of injuries are covered?
Covered injuries generally include those that occur while performing job duties, such as falls on set, equipment-related accidents, or repetitive motion injuries.
Can I get coverage for a short-term production?
Yes, some insurers offer short-term workers' compensation policies tailored for limited-time productions or events.
Still have questions? Talk to a local insurance expert.