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The Porn Industry and Insurance – How Do They Correlate?

April 2, 2021/0 Comments/in Blog/by admin

It may be April Fool’s Day, but we are in no way pulling your leg – this blog is actually about insuring the porn industry. How saucy and modern of us!

So what does it look like? Not the adult entertainment (you dirty bird!), the insurance part! What does that look like? Thanks for asking, we’ve been dying to share this with you!

And we know we share about home, business, life, and auto insurance…but the term, “check under the hood” is going to take a whole new meaning after this blog.

Red thumbs up with three x's via Pixabay user Kurious

The Performers:

Many stars in the industry don’t have health insurance as an added benefit to their paycheck. Most performers are viewed as freelance or contract workers, so they don’t have the same luxury as the part time barista at Starbucks, or any other employee who is granted health insurance with their, ahem, position. (Sorry, had to!)

Now, a lack of health insurance among performers should not be confused with them being “unhealthy”; many put their health, and especially their sexual health, very high on their list of priorities. However, the issue begs to be answered, what do you do as the producer in this instance? Well, if you want to do a solid for the industry, you would purchase insurance to cover your performers’ health for the duration of the project you’re working on. It’s as simple as that!

Scribble line drawing of a couple via Pixabay user Lumapoche

The Set and Crew:

When a film is being produced it is a necessity for the producers to purchase coverage for any project being done. I could go on and on about that, but we’ve already written a blog with everything you’d need to know about that here.

Censored banana via Pinterest

Distribution:

This one is a biggie! When you hire performers for your project, you will need to be explicit (not in that way!) about where the film is going to be posted and how it is going to be distributed. Check out this article about how dozens of women sued a porn biz in California for 12.7 million dollars after they mislead the performers about where and how their work would be shared.

A way to cover yourself is to one, be truthful; but you should also get business insurance to cover you in the event of a lawsuit or any other legal filings taken against you and your business.

Censored couple costume via Reddit

Hopefully you gained some insight into the world of porn and insurance through this blog. We’ll be back next week with another tidbit of insurance information for you, although it will be much less risqué, sorry!

Article written by contract writer and digital media coordinator: Candace Cox. You can reach her at socials@howardwebbins.com or candacecox96@gmail.com.

Image of Candace Cox

Candace Cox
Contract Writer &
Digital Media Coordinator

What Does Insurance Look Like in Hollywood? And Anywhere Else They May Film

March 27, 2021/0 Comments/in Blog/by admin

A solid insurance policy for a production will cover the producers, filmmakers, crew, production gear, and the locations where filming will take place.

Image of vintage film set up via Pixabay use Free-Photos

No filming project is exactly like the other; even if you think The Bachelor and The Bachelorette are exactly the same! Think about it, on one show you have thirty some odd men staying in a house with endless alcohol supplied; there’s a higher possibility of a physical altercation happening and they would want to add more into their coverage for that. Whereas the other show has thirty some odd women in the same house with the same amount of booze, but the chances of a physical altercation may be lower. However, the chances of one of the girls drinking too much and getting alcohol poisoning or falling down those marble stairs at the famous mansion goes up, and they would want to add more coverage for that into their policy.

In essence, every production has different liabilities and needs, so each policy is going to be tailored to them.

Image of camera via Pixabay user Free-Photos

The Short Term Production or Annual Production Policy:

The time span you plan to film alone is going to be something to consider as you search for your chosen policy. Are you filming a single project? Then you’ll probably purchase a Short Term Production policy. Filming a television show or something that will be produced multiple times throughout the year because the director demands for the seasons to be accurate to the script in order to fully exude their art? Well you’ll want to snap up an Annual Production policy.

Image of woman blurred in the background and in focus on the camera lense via Pixabay user Pexels

The Insurance Broker:

Do I really need to have an insurance broker to get my video production insurance?

YES! Seriously, why would you even ask that?
Okay, sorry, didn’t mean to lose my cool, but you literally cannot get a policy like this without one.

You may be surprised to learn that you can only have one broker at a time; no two timing us, it’s rude! Because you can only have one broker at a time, it is imperative that you select one that is as good as you want your policy to be!

Oh, and this broker absolutely has to be an entertainment insurance broker; preferably one that specializes in entertainment or production polices. So although we at Howard Webb can’t help you, we still hope that this article proves to be beneficial to you and your creative endeavors.

Image of director clap in front of a desert scene via Pixabay user Stokpic

What Do I Need To Cover With My Broker?:

Thanks for asking! Now that’s a good question!

It’s best to be sure you cover all the aspects of your project so they know exactly what they need to have bundled into your policy! Don’t worry about giving away the ending to the project, they’re more focused on the policy than the story.

Plus, you don’t want to surprise your broker with a wild motorcycle accident that you felt needed to be kept under wraps in order to protect the integrity of the story. Seriously, there’s nothing worse than lying to your agent, having an accident, and then not being covered for the damage and needing to pay for it out of pocket. You may as well kiss goodbye all the profits before you even release it to the public!

Image of man operating a camera via Pixabay user Oldwestwrangler

There is much more to be said on the subject from worker’s compensation, errors and omissions, additional specialty policies, deductibles, and so on, but for now we’ll leave you with this: Do your research, find a reputable broker, and be honest. The agent will take it from there, and you’ll thank us in the long run!

Article written by contract writer and digital media coordinator: Candace Cox. You can reach her at socials@howardwebbins.com or candacecox96@gmail.com.

Image of Candace Cox

Candace Cox
Contract Writer &
Digital Media Coordinator

We Care A Lot – A Recent Claim

March 6, 2021/0 Comments/in Blog/by admin

We care an awful lot, but not in the creepy way that new Netflix movie, I Care A Lot, does. We actually look out for you! Here’s a claim from this past week to prove it!

Recently, one of our business insurance client’s called the office to let us know he had been in a single vehicle accident. He owns an auto body shop and after working on his client’s vehicle, he took it for a test drive to make sure all the problems were taken care of. Unfortunately for him, he happened to get into an accident during this vehicle test.

Image of car crash via Pixabay user NettoFiguierldo

When police arrived at the scene, he was asked if he had proof of insurance for the vehicle. Can you see where this is headed? Our client was honest with the officer and explained to him that he didn’t have proof of insurance, because it isn’t his vehicle. This wasn’t going to fly for the officer though, and our client was then told he would be taken to jail. (It should be noted that in most any other scenario of this, you would simply be given a ticket, not taken to jail! We don’t really know why this escalated so quickly with our client!)

Image of car with shattered glass exploding via Pixabay user VladArtist

Anyways, our client actually does have proof of insurance for this vehicle, just in a different way than what you may be familiar with. You see, he has something known as a “Garage Keepers Coverage”. This type of policy is made specifically for businesses such as: auto body shops, mechanics, dealerships, ect. to protect them in this type of situation. It’s a policy that covers the driver and business when they are handling vehicles that they do not own, so they can do the work the owner isn’t capable of.

Image of police car via Pixabay user ArtisticOperations

With Garage Keepers Coverage, you don’t have an ID card for situations like this. So when our client called in, our general manager, Kris Zinszer, printed out the client’s policy and rushed to the scene to smooth things out with the officer to avoid our client being taken to jail, because that’s just the kind of people we are!

Image of destroyed car via Pixabay user dfbailey

By the time Kris made it to the scene, our client had been put into the back of the police car, and was taken to his auto shop to try and prove to the officer that he was, in fact, insured to drive this car. Unfortunately he couldn’t seem to locate his policy, so Kris redirected his drive and met the two of them at the auto shop. When he arrived there he was able to cool down the situation and keep our client from spending any time in jail!

Image of three crashed cars via Pixabay user quicksandala

The officer had no choice but to drop the situation, and move on with his own day. Then came the hard part, fixing the situation. That’s when Kris asked our client what he wanted, and as many of our customers respond, he stated, “I want you to make this go away,” and that’s exactly what we’re going to make happen.

Because like we said, “We care a lot.”

Give us a call if you need Garage Keepers Coverage, or really any kind of coverage. As always, we’ve got your back!

Article written by contract writer and digital media coordinator: Candace Cox. You can reach her at socials@howardwebbins.com or candacecox96@gmail.com.

Image of Candace Cox

Candace Cox
Contract Writer &
Digital Media Coordinator

Tag Archive for: single car accident

The Porn Industry and Insurance – How Do They Correlate?

The Performers:

The Set and Crew:

Distribution:

What Does Insurance Look Like in Hollywood? And Anywhere Else They May Film

The Short Term Production or Annual Production Policy:

The Insurance Broker:

What Do I Need To Cover With My Broker?:

We Care A Lot – A Recent Claim

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