Production Risk

Film productions regularly rely on rental vans, transpo vans, crew vehicles, and temporary production transportation. This article explains how hired and non-owned auto coverage works for film shoots, what vehicles qualify, common on-set liability scenarios, and why many production companies unknowingly create vehicle exposure without owning a single company vehicle.

Most filmmakers assume their camera gear is automatically covered under a standard business property policy. Sometimes it is. Sometimes very badly.

The problem is that production equipment rarely behaves like normal business property. Cameras, lenses, lighting, audio kits, and grip gear constantly move between locations, vehicles, airports, rental houses, and temporary sets. That mobility is exactly why Inland Marine coverage exists.

While Business Personal Property (BPP) coverage is typically designed around property at a fixed business location, Inland Marine is designed for property that travels. Understanding that distinction can help production companies avoid major coverage gaps involving transit, off-premises limits, rented equipment, and real-world production workflows.