Extra Expense Insurance

Overview of the Program

This program is designed for production-related accounts that need coverage to bridge the cost of rescheduling, re-shoots, expedited shipping, temporary facilities, or other immediate expenses required to keep a production on track after a covered physical loss. Entertainment Pro Insurance places this coverage through multiple admitted and non-admitted markets and works with agents nationwide.

Ideal Accounts and Appetite

• Independent film and television productions (feature films, episodic TV, streaming content)
• Commercial shoots, music video productions, and theatrical tours
• Broadcast and live event productions with rented facilities or specialized third-party vendors

Typical fits are productions with clearly declared production schedules, defined budgets, and contracted facilities or key rental equipment. We generally prefer accounts with experienced production teams, documented production schedules, and risk mitigation plans. Accounts with high-risk stunts, uninsured key vendors, or inadequate continuity plans may require additional underwriting review or exclusions.

Coverage Highlights and Advantages

• Reimbursement for extra expenses incurred to complete principal photography after a covered loss
• Flexible wording tailored to production schedules and production-specific vendors
• Access to multiple carrier markets through our wholesale broker relationships
• Program knowledge specific to motion picture, television, music, and live events

Underwriting Notes and Minimum Premiums

Underwriting focuses on the production budget, shooting schedule, vendor contracts, and mitigation plans (e.g., backup locations, duplicate negative/video storage, continuity procedures). Minimum premium: varies by carrier and state—please submit production details and budget for a tailored quote.

Territories and Availability

Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Positioning: All Available Markets.

Why Work With Entertainment Pro Insurance

As a specialty wholesale broker, Entertainment Pro Insurance brings production-specific underwriting expertise and access to multiple markets. We work with agents to structure wording that aligns with production schedules and vendor obligations, and we can help place complex risks including rented equipment, third-party property exposures, and contingent coverages.

You’ll get hands-on support from underwriters familiar with the entertainment industry and practical guidance on documentation and submissions that increase placement success.

Example Account Scenarios

• You represent a mid-budget independent film that faces potential extra costs to rebuild a damaged set and hire additional crew time to finish a location shoot—this program can respond for the extra expenses necessary to complete principal photography.
• You have a client producing a live broadcast who needs coverage for expedited shipping and rental replacements when critical rented equipment is damaged during rehearsals—Extra Expense coverage can reimburse eligible, reasonable costs to keep the production on schedule.