Film & Entertainment Production Insurance
Film & Entertainment Production Insurance
DICE production package coverage for cast, props, sets, negative film, and third-party property.
Film and entertainment production insurance is a package policy, commonly called DICE coverage, built for the specific exposures of film, television, and commercial production: cast insurance for key performers, physical damage to props, sets, and wardrobe, negative and faulty stock coverage for damaged footage, extra expense to keep a production on schedule, and third-party property coverage for locations and equipment used during filming.
What it does
A production has a compressed timeline, a fixed budget, and numerous points of failure that can shut down filming or destroy irreplaceable footage. The DICE package bundles the coverages a production needs into one placement: cast insurance responding to the death, injury, or illness of an insured key cast or crew member that delays or halts production; props, sets, wardrobe coverage for damage to production-owned or rented physical assets; negative and faulty stock coverage for footage lost or damaged due to processing errors, equipment failure, or accidental destruction; extra expense coverage for the added cost of reshooting or working around a covered delay; and third-party property damage for locations, equipment, and property used during filming that belongs to someone other than the production.
Coverage is typically written for the length of a single production (development through wrap) or as an annual program for a studio or production company with multiple concurrent projects.
Who needs it
Film and television production companies, commercial and advertising production houses, streaming content producers, studios financing independent productions, and completion guarantors requiring proof of coverage before releasing funds all use this package.
What it covers and excludes in practice
Cast coverage typically requires medical underwriting of key insured individuals before filming begins and responds if a named cast or crew member cannot perform due to death, injury, or illness, triggering extra expense to reshoot, recast, or delay. Negative and faulty stock coverage responds to accidental loss of footage from processing defects, equipment malfunction, or physical damage to the storage media, and is central to productions before final footage is safely delivered and backed up.
Excluded from most policies: losses caused by a named cast member's own misconduct or breach of contract obligations rather than a covered injury or illness, budget overruns unrelated to a covered peril, intentional destruction of footage, and third-party property damage arising from activity outside the scope of the location agreement on file with the insurer.
What drives price and how to structure it
Rating reflects total production budget, cast composition and the medical risk profile of key insured individuals, filming locations (including any locations requiring specific state licensing or added hazard), production schedule length, and stunt or hazardous activity content. Completing cast medical underwriting early and maintaining a documented backup protocol for footage typically supports smoother claims handling if a loss occurs mid-production.
What it typically responds to
- Cast insurance. Death, injury, or illness of a named key cast or crew member delaying or halting production.
- Props, sets, and wardrobe. Physical damage to production-owned or rented assets.
- Negative and faulty stock. Accidental loss or damage to filmed footage from processing or equipment failure.
- Extra expense. Added cost to reshoot, recast, or work around a covered production delay.
- Third-party property damage. Damage to locations and equipment used during filming that the production does not own.
Common exclusions
- Cast misconduct or contract breach. Not a covered cause unless tied to a covered injury or illness.
- Budget overruns unrelated to a covered peril. Ordinary cost overruns are not an insured loss.
- Intentional footage destruction. Excluded under negative and faulty stock coverage.
- Activity outside the filed location agreement. Third-party property claims tied to unauthorized use of a location.
What drives price
- Total production budget
- Larger budgets increase the exposure tied to any covered delay or loss.
- Cast medical risk profile
- Underwriting of key insured individuals before filming begins.
- Filming locations
- Location-specific hazard and licensing requirements.
- Stunt and hazardous content
- Action sequences and hazardous activity increase both cast and property risk.
Provident does not publish premium figures. Pricing is set by each carrier and depends on the specific risk.
Questions we get asked
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