Production companies requesting certificates of insurance from crew members and equipment rental arrangements

Gear

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Ultra VestWhich vest should I choose for my body size, comfort and operator type?39

2014Legal / Business Practices forum

12 years old. Gear and prices may have changed since.

DisputedParticipants disagreed and reached no conclusion. Read the findings as positions, not as an answer.

Production companies increasingly request certificates of insurance from crew, sometimes requiring coverage amounts of $3-5 million that individual contractors may not possess.
Subcontractors typically need their own public liability insurance, while employees are usually covered under production's policies.
Insurance requirements vary significantly by production and location, with some productions covering crew liability and equipment while others do not.
Providing a certificate of insurance to a production can increase personal liability exposure, as litigation often targets the party with the highest coverage limits.
Insurance carriers use income verification to ensure coverage amounts are proportional to earning potential, preventing over-insurance scenarios.
Some crew members consider high liability insurance premiums equivalent to charging several days of work annually to maintain coverage.
Rental car analogies do not apply to equipment rental situations where the renting party should maintain their own insurance for borrowed gear.
Obtaining liability insurance in certain states or under certain business classifications can be difficult or impossible through standard carriers.

Discussion participants are primarily based in Australia and the United States, with different insurance requirements by jurisdiction.
No consensus reached on whether crew should voluntarily provide certificates of insurance to productions.
Some participants report difficulty obtaining liability insurance after moving to certain states.
Insurance renewal can become more expensive or difficult after making a claim.
Specific coverage amounts and premium costs mentioned may not reflect current market rates or all carriers.