How to reduce the production risk of film and television insurance

Nowadays, although the domestic film investment is increasing, compared with the mature foreign film insurance mechanism, the domestic film insurance is still in a relatively primary state, and some types of insurance are still in a blank state. The following gkstk Bian Xiao searched and sorted out how to reduce the production risk of film and television insurance for everyone. Welcome to read, I hope it will help everyone! For more information, please continue to pay attention to our schoolmates. com！

At present, the domestic film and television industry and the insurance industry are in the initial stage, and they may not be familiar with such innovative insurance projects. However, with the continuous communication between China's film and television industry and insurance industry and foreign countries, understanding and learning their reasonable and advanced film and television insurance experience and ideas will greatly promote the development and prosperity of China's film and television industry.

First, the indispensable film and television insurance

The film and television industry is a relatively high-risk industry. This risk is not only reflected in the return on investment of film and television works, but also in the high dependence on the creative staff and the external environment in the process of their creation. For example, the accidental injury or property loss of the stars mentioned above may affect the shooting and completion of film and television works. Extreme examples, such as Speed and furious 7, which set a domestic box office record before, are all starring Paul? Walker died in a car accident. Before the film was released, everyone was worried about how it would end. Fortunately, the film uses high-tech and physical double Jean Paul? Walker reappeared on the screen, and because he had bought insurance for the film before shooting, the insurance company paid for the remake budget involved in the film, and finally presented a wonderful film for the audience.

It can be seen that in order to minimize the losses caused by these unexpected factors, it should be logical to buy film and television insurance. At present, although the domestic film investment is increasing, compared with the mature foreign film insurance mechanism, the domestic film insurance is still in a relatively primary state, and some types of insurance are still in a blank state. On the other hand, although domestic production companies have made progress in life insurance awareness, property insurance is still very rare. At the same time, because domestic insurance companies cannot provide perfect film and television insurance, there is no way to guarantee the completion of films based on film and television insurance. Almost all of these film and television financial services are provided by foreign financial institutions.

Second, American filming must buy film and television insurance.

After the long-term development of foreign insurance industry, the traditional personal injury and accidental injury insurance must be insured for many years to get the full premium, while Hollywood film and television insurance can get a large premium from a movie or just ten months of shooting.

Hollywood-style film and television insurance has two characteristics: first, the limitation is short. If a movie ends, the related insurance will also end, and it will not last for decades; Second, the insurance clauses of stars are special and can be tailored. The usual insurance coverage includes: actor or director's insurance, negative film and video tape insurance, film, camera and processing method insurance, props, scenery, clothing and equipment insurance, intellectual property insurance and comprehensive liability insurance. Intellectual property insurance, that is, negligence and negligence insurance, is relatively strange in China. Actually, this insurance is very important. This insurance is to protect publishers, producers and other creative workers from complaints of infringement of intellectual property rights. For example, a third party may file a lawsuit for copyright infringement, insult and slander, trademark infringement, misappropriation of ideas, invasion of privacy, etc. And advocate how film and television insurance can reduce the production risk. It is very important to protect the film from the loss of the above appeal, because if the third party appeals successfully, it is likely to lead to the court ruling that the film will stop production or release, or demand that the script be revised and the film be liable for compensation. And if the film party buys this kind of insurance, the insurance company will bear all the litigation costs and claims compensation of the film party. Although negligence and negligence insurance is very expensive, many distribution companies, broadcasting companies and cinemas will require production companies to purchase this insurance before releasing and showing films. Of course, it takes a lot of legal work to insure negligence and negligence insurance, so insurance companies usually require producers to have experienced legal advisers who are more experienced in the film industry and pay reasonable attention to reviewing legal rights. In order to insure against negligence and negligence, the legal adviser will help the production company to provide the title chain certificate of the script, the attachment of the production agreement, the copyright license certificate and the script review report. The lawyer of the production company will also review the script and all relevant written agreements, evaluate whether the works appearing in the script can be licensed, whether there is plagiarism, and ensure that the real names of the people, venues or products mentioned in the script are licensed. In fact, this kind of insurance is necessary in China, which can reduce the compensation losses caused by copyright issues, but it may be limited to the fact that there is no such professional evaluation talent in China at present, which leads to the insurance is still blank in China.

Besides, the insurance company didn't do it for nothing. How to reduce the production risk of film and television insurance from/article/wk-78500000828127.html Please keep this link! . Before the film starts, the insurance company will analyze the scripts one by one and make strict restrictions, such as which dangerous scene stars can't play. As soon as the film starts shooting, the insurance company will send professionals to the studio for regular physical examination of the stars. Sometimes, there will be a special person to monitor the star's every move at all times, and if there is any danger, it will be prevented immediately.

So now film and television insurance is one of the most critical parts of Hollywood film production. If a film cannot provide qualified insurance certificates, investors will not invest, banks will not lend money, and guarantee companies will not guarantee it. In addition, if the producer is not insured, it will not be able to obtain permission from the local government, sign a venue lease agreement with the owner, or rent equipment or rent a car. So in Hollywood, insurance is a necessary condition for financing and bidding. Meanwhile, insurance also plays an important role in protecting the interests of all parties. Insurance helps to reduce the risks in film production and ensure that filmmakers and investors recover their investment.

The process of insurance evaluation and purchase involves many professionals, besides the production team, there are also insurance brokers and entertainment lawyers. When a production company is ready to buy insurance, it usually needs to find an insurance broker. Such an insurance broker has relevant experience in making insurance, and the insurance broker's job is to find insurance products that are cheap and meet the needs of the production company. In the process of insurance, the role of production company lawyers is also very important. They ensure that the potential risks of the production company have been insured. Insurance clauses are usually very complicated contracts, which are full of clauses that have been repeatedly scrutinized by insurance companies. There are many professional terms and exemption clauses, which are very complicated for non-insurance professionals. Lawyers of the production company must fully understand the potential risks of the production company and conduct appropriate due diligence when necessary, including reviewing scripts to avoid potential intellectual property litigation, reviewing potentially dangerous shooting conditions, and examining how other legal affairs such as film and television insurance can reduce the production risks of film and television production. After the insurance contract is signed, during the insurance period, if it is necessary to adjust the insurance policy or claim compensation from the insurance company, the insurance broker will assist the lawyer of the production company in handling related matters.

Third, domestic insurance is more about buying peace of mind.

At present, domestic film and television insurance products are underwritten either by giving away insurance or by providing public liability insurance, and only simple insurance products can be provided to deal with possible risks during filming, post-production, sales and screening.

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No matter from the scope, amount and level of protection, it can't match the rapid development of the film and television industry. The crew bought the corresponding insurance, more to meet the requirements of films or some big-name stars at home and abroad, and often did not study the scope and compensation of insurance, which greatly reduced the role of insurance. However, with the vigorous development of the film and television industry, more and more domestic insurance companies began to set foot in this field. For example, the comprehensive insurance for film and television production designed by a domestic insurance company I contacted borrowed from the mature model of Hollywood. For example, during the insurance period, if the cast or animals necessary to complete the film production cannot start, continue or complete the original work due to death, injury or illness, the insurance company is responsible for compensating the extra expenses beyond the original budget to complete the film shooting.