Insurance and the Silver Screen
Happy Friday to all of our readers! Hopefully everyone had a wonderful, productive week and you’re looking forward to a nice, relaxing weekend.
Maybe you’re going to go see a movie this weekend. That’s pretty cool. Summer is the perfect time for big-budget Hollywood films and action-packed blockbusters. Everything looks so seamless on the silver screen, but it takes hard work, dedication and coordination to put together a really good movie.
And behind the scenes of it all is a good insurance company.
You knew that was coming, didn’t you?
Insurance may not be the first thing that pops into your head when you think of movies, but think about it! During the production of a film, anything can and will go wrong. The cast and crew are put at considerable risk every day they show up for work. The more action-packed and explosive the film, the more risk. The more risk, the more vital insurance becomes.
A good insurance policy is a must to protect against equipment failure, set damage, financial setbacks, injury to the cast and stunt-doubles, etc. On-location car chase shots may go awry, but just like we depend on insurance to get us back on our feet during misfortune, a good industry policy can ensure that a film gets completed no matter what catastrophic mishap may occur.
The most difficult crew member to insure, by far, is the stand-in, better known as the stunt double. These are the men and women who readily preform daring feats in place of the principle actors when the studio heads deem certain shots to be too risky to put actors in harm’s way (even when said actors insist on doing their own stunts). Not that stunt doubles mind too much. According to some, the more exhausting and painful it appears on screen, the more fun it is to actually perform in reality.
Of course, it’s their very eagerness and imperviousness to pain that makes underwriters nervous about insuring stunt doubles. But out of such difficulties have come innovations in the film industry: advanced equipment that reduces injury and coordination and planning techniques that turn potentially dangerous stunts into well choreographed routines.
Just like a director and his unit needs a good producer to keep the crew grounded and the film on budget, production policies remind everyone that there are very real risks involved in the filmmaking process. One of our own carriers, Travelers, has its own entertainment division created for the sole purpose of insuring actors, film crews, stage hands, musicians, etc.
We may not see studio insurers on screen. Hey, we may not even see them in the credits! But they’re there, making it possible to bring the fantastic things we see in theaters to life. If Travelers can do all that, certainly they can help insure your automobile.
And of course, you knew that was coming, too!
First Baldwin Insurance