Insurance Coverage
Amazon Studios (“AS”) productions must carry insurance through AS pre-approved brokers for the duration of production (including prep and post) as a budgeted expense. AS has mandatory minimum levels of coverage, which can vary based on territory, type of production, budget, production activities, and other relevant factors. AS Risk Management should always be consulted for specific requirements and production needs. The Prod Co must obtain the following coverages:
MINIMUM INSURANCE REQUIREMENTS
A | B | C | |
1 | COVERAGE | MINIMUM LIMITS | DETAILS |
2 | Production Package | As Per Budget |
Includes Cast, Negative, Faulty, Miscellaneous Equipment, Props Sets & Wardrobe, Animal Mortality, Extra Expense |
3 | Liability (General/Public) | $15,000,000 (~ INR 41Cr) per occurrence and aggregate |
Includes coverage for, but not limited to, premises/operations, products/completed operations, contractual, broad form property damage, personal injury, and fire legal liability.
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4 | Motor Vehicle Policy | N/A |
Policy to be procured as per Indian Motor Vehicle Act by the respective owners of the vehicles. The Production Package or the Liability insurance will not cover damage or liability arising out of the use of such motor vehicles. Unless the vehicle is used as a stationery prop.
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8 | Group Personal Accident | INR 25Lacs/person | Accidental death, permanent total disability, permanent partial disability, accidental hospitalization expense (up to INR 5 Lacs/person). |
9 | Foreign Unit Travel Insurance (FUTI) | As needed | To be procured from the country of origin before travel. |
10 | Overseas Travel Insurance | As needed | To be procured from India before travel. |
11 | Media Liability - Errors & Omissions | $5,000,000 per occurrence and aggregate | Three (3) year term, Occurrence Form, Maximum deductible $25,000 per occurrence. |
13 | Additional Coverages | As needed | e.g., Watercraft, Aircraft, Railroad, Owned & High-Value Autos. |
16 |
Coverage Term:
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Applications are found below.
Additional requirements
- Prod Co shall be responsible for any and all deductibles.
- Ensure that the following entities are named as additional insured on all applicable insurance policies obtained by the Prod Co in connection with the Program and development services in the following form:
- Amazon Studios LLC, Amazon Content Services LLC, and their respective parent, affiliates, subsidiaries, assigns, sub-distributors, and licensees as now or hereafter may exist, and any other related persons or entities as either of them may designate.
- The insurance broker will provide production with a template Certificate of Insurance (COI) to be issued when required for standard contracts.
- Prod Co will deliver to Amazon appropriate certificates of insurance and policy endorsements evidencing such coverage.
- Any COIs that require special language must be approved by AS Risk Management prior to issuance.
- COIs evidencing Workers' Compensation & Employer’s Liability coverage are issued by the payroll service company(ies).
Cast Coverage
Cast coverage is included within the Production Package policy and covers a specific number of declared individuals.
- The Prod Co should consult with the AS production executive about who should be declared for coverage (e.g., director, cinematographer, actors).
- Full Cast Coverage must be in place for every individual on the cast log.
- No declared talent should appear on screen until Full Cast Coverage is in place.
- When the Production Package policy is bound, the broker will specify the medical documentation to be submitted (e.g., cast medical exam, statement of health, affidavit & authorization).
- Animals can also be covered under the Cast coverage and are included in the total number of Cast coverage slots.
- Age restrictions for declared artists (under-age and over-age) may apply.
Insurance Claims / Loss & Damage
Notification for any and all incidents which could result in a claim involving people, property, and/or downtime to production must be submitted to the AS Production Executive as soon as possible but no later than five (5) business days after the occurrence. The Prod Co must use the First Notice of Claim Form and Property Loss & Damage Form found below.
Procedure for Management of Insurance Claims
Refer to the full procedure below for more information.
Production Claims (e.g., Cast, Extra Expense, Equipment, Third Party Property Damage, etc.)
Following notification to the AS Production Executive, AS Risk Management, and AS Health & Safety, if applicable, of any actual or potential claim situation, a First Notice of Claim Form, see First Notice of Claim Form Exhibit, and (if applicable) Property Loss & Damage Form, found below is to be completed and sent to the broker and AS Risk Management.
Employees, Cast & Crew
- All hazardous and non-standard activity for all personnel (cast and crew) must be approved by the production’s insurers and any payroll service company paying the cast and crew.
- If an injured employee is paid through a payroll service company, the payroll company must be notified immediately via their secure method (if and as applicable) for all work-related incidents, even if it is “Notice Only” and a claim is not filed.
- Reporting must be made upon any injury (no matter how minor) sustained by an employee. The AS Production Executive, AS Health & Safety, and AS Risk Management should be included in the correspondence via the reporting mechanism provided by AS H&S. [LZ: Is this mechanism in place?] Correspondence via email should be avoided if possible.
- If there is no payroll service company, the broker should be notified of the incident via phone or email with the First Notice of Claim form, which should also be distributed to the AS Production Executive, AS Health & Safety, and AS Risk Management.
Out of Country Medical / FUTI / Personal Accident
- For any employees for whom coverage has been arranged to cover non-work-related injury or illness during international travel (i.e., outside of the employee’s country of residence), the employee and/or production should notify the insurance company directly of the need for medical care. The AS Production Executive, AS Health & Safety, and AS Risk Management should also be notified.
Third Parties
Notification for any incident involving a third party should be sent immediately to the insurance broker, AS Production Executive, AS Health & Safety, and AS Risk Management using the appropriate forms.
Movies & Documentaries Additional Policies
Movies - Insurance & Risk Management
Prod Co must use the appropriate film applications below.
Please refer to the country applications below. Email studios-risk-management@amazon.com with any questions.
All other countries - MPTV_Film_Application_20220222.doc
Series Additional Policies
Prod Co must use the applications below.
Please refer to the applicable applications below. Email studios-risk-management@amazon.com with any questions.
Scripted & Animated - Blank_Production_App_Amazon_Studios_Series_20220222.doc
Unscripted & Live / Near Live - Blank_Production_App_Amazon_Alternative_Unscripted_20220222.doc
Procedure for Management of Insurance Claims
Upon the occurrence of an event that is or may be insurable during any stage of production, AS Risk Management must be notified immediately by email, as well as other relevant stakeholders (e.g., Health & Safety, Security). If an emergency situation involving bodily injury occurs, the appropriate emergency personnel/organization should be contacted immediately.
Upon notification to AS Risk Management, it will be determined when adjusters need to be contacted. If filming is going to be or has been shut down for any reason (e.g., Cast claim, Extra Expense, Civil Authority), a call will be set up immediately with the production team, AS Production Executive, AS Risk Management, the insurance broker and the adjuster to determine how to proceed with the insurer’s approval.
To establish the claim properly, the production team should complete the First Notice of Loss Form, including all available information and backup documentation. If the claim involves any filming delays, the production team must provide a full and complete narrative of the events. For Property claims, the Loss & Damage Form should also be completed.
Once a meeting has occurred with the insurance representatives and production, the broker/adjuster will confirm the additional information and documentation required to continue processing and settling the claim. For time element claims, this documentation will generally include a claims ledger identifying all associated costs, a narrative of the events, and backup paperwork such as invoices and time cards.
Insurance Templates & Exhibits
E&O Application
For Brazil, India, France, Japan, and Thai Local Originals, please refer to the country-specific addendum for the application. All other territories use the application below. Reach out to studios-risk-management@amazon.com with any questions.
CNA_Errors_and_Omissions_Application_20220222.docx
Loss & Damage Form
Risk_Loss_Damage_Template20220330.docx
First Notice of Claim Form
First_Notice_of_Claim_Form_20211208.docx