Production Insurance That Protects Your Set—and Your Bottom Line
In the high-stakes world of film, television, and commercial production, unexpected disruptions aren’t a matter of if, but when. That’s where production insurance from Combs & Company comes in. Whether you're managing a single shoot or running an entire production company, we specialize in crafting the right coverage to shield your investment from costly surprises. From accidents on set to damaged equipment or cast injuries, production insurance helps ensure your creative vision doesn’t turn into a financial nightmare.
If you're asking, "Do I really need production insurance?"—the answer is yes. Without it, a single mishap can derail your entire project. At Combs & Company, we make protecting your production simple, strategic, and smart.
Your protection starts with a conversation. Our experts are ready to help you find the right coverage that fits your life and goals. Book an Appointment Today!
What Is Production Insurance and Why It Matters
Production insurance is a specialized form of insurance designed to cover the unique risks associated with creative productions—film shoots, TV shows, commercials, and more. It typically includes general liability, workers' compensation, property damage, cast insurance, and protection for equipment, sets, and props.
But at Combs & Company, we go beyond the basics.
We tailor each production insurance policy to fit your specific shoot—short-term or annual, indie film or big-budget commercial. That means every potential vulnerability, from location liability to gear rentals, is factored in and addressed.
Commonly covered under a production insurance policy:
- General Liability: For third-party injuries or property damage on set.
- Workers’ Compensation: Protection for your crew and cast in case of injury.
- Equipment Coverage: Cameras, lighting, sound gear—rented or owned.
- Property Coverage: For damage to sets, props, and filming locations.
- Cast Insurance: In case illness, injury, or unavailability disrupts production.
- Auto Liability: For production vehicles or rentals used during filming.

With Combs & Company, you're not just getting a policy. You're gaining a partner who understands the nuances of creative production and how to keep your project on track—even when the unexpected happens.
Do You Need Production Insurance?
Whether you're shooting a student film on a shoestring budget or coordinating a high-profile commercial with major investors, you need production insurance. The moment you sign a rental agreement, hire a crew, or step onto a location, you're exposed to risk. Accidents happen fast, and the financial fallout can be devastating.
Having production insurance in place offers more than just protection—it offers peace of mind. It also makes you more credible to vendors, locations, talent, and investors who expect coverage to be in place before work begins.
Combs & Company helps:
- Independent filmmakers meet vendor and location insurance requirements.
- Production companies manage risk across multiple shoots with annual policies.
- Ad agencies, content creators, and digital studios stay protected from legal exposure.

You create the content—we help you protect it.
Why Choose Combs & Company for Your Production Insurance
For over 20 years, Combs & Company has helped creative professionals and businesses manage risk with insurance that makes sense—and makes it easy. Our team doesn’t just understand insurance. We understand your industry.

Here’s how we’re different:
- Tailored Coverage: We don’t sell one-size-fits-all policies. We assess your exact needs—crew size, equipment, locations, and more—and build your policy accordingly.
- Fast Turnarounds: Deadlines in production are tight. We act quickly to get you insured so your shoot isn’t delayed.
- Straight Talk: Insurance jargon has no place in your script. We explain everything in plain language so you can make informed decisions.
- Creative Industry Experts: From guerrilla filmmakers to established studios, we know your world. That means fewer surprises, better coverage, and real support when it counts.
With Combs & Company, you're covered by a team that values both your business and your art.
How Long-Term Benefits Extend Beyond the Final Cut
Production insurance from Combs & Company does more than protect you during filming. It builds a foundation for long-term success. Our clients return to us not just for the policy—but for the partnership.

- Grow Confidently: As your productions scale, we adjust your coverage to match your growth—so you're never over- or under-insured.
- Stay Compliant: We help you meet union, location, and equipment rental requirements without the paperwork headache.
- Avoid Financial Setbacks: With the right coverage, you won’t be blindsided by repair costs, lawsuits, or shutdowns that could have been avoided.
- Build Industry Credibility: Proper insurance signals professionalism to collaborators, talent, and vendors.
What Is Production Insurance?
Production insurance is a type of business insurance that protects film, TV, and commercial productions from financial loss caused by accidents, injuries, theft, property damage, and production delays. Coverage typically includes general liability, equipment, props, cast protection, workers’ compensation, and more.
At Combs & Company, we customize this coverage to match the scale and specifics of your production—ensuring nothing is overlooked.
Do You Need Production Insurance for Small Productions?
Absolutely. Even small productions face big risks. Rental companies often require proof of insurance before handing over equipment. Locations may need liability coverage. And if someone gets hurt on set, without production insurance, the financial burden falls squarely on you.
At Combs & Company, we make it easy and affordable for independent filmmakers, freelancers, and small teams to access robust protection—without overpaying or overcomplicating the process.
Can I Get Short-Term or One-Off Production Insurance?
Yes. Many clients come to Combs & Company for short-term production insurance that covers a single shoot or project. This is ideal for:
- One-day or weekend film shoots
- Music videos
- Commercials
- Independent projects
- Photo shoots

We also offer annual production insurance for those managing ongoing or multiple productions. We’ll help you determine what fits best—and get you covered fast.
FAQs About Production Insurance
How much does production insurance cost?
Costs vary widely depending on the scope, length, location, and risk factors of your production. At Combs & Company, we offer customized quotes based on your specific project. Whether it’s a one-day shoot or a full series, we’ll help you find the most cost-effective option that still offers full protection.
What does production insurance not cover?
Production insurance doesn’t typically cover intentional misconduct, unapproved stunts, or breaches of contract. Some exclusions also apply to high-risk activities or uncovered locations. Our job is to walk you through exactly what’s included—and help you fill any gaps that matter for your shoot.
Do I need production insurance if I’m only filming with a small crew?
Yes. Crew size doesn’t reduce your exposure to risk. Even a small team can face accidents, equipment damage, or property claims. Vendors, locations, and city permit offices often require proof of coverage regardless of crew size.
Can I add additional insureds to my policy?
Yes. We regularly issue Certificates of Insurance (COIs) with additional insureds such as equipment rental houses, venues, municipalities, or investors. Just let us know who needs to be listed—we handle it quickly and accurately.
What documents do I need to apply for production insurance?
We’ll typically ask for details like your shoot dates, locations, equipment list, cast and crew size, and a budget overview. Our team makes the process straightforward, and we’re always available to guide you through each step.
Ready to Get Covered? Let’s Talk.
Whether you're in pre-production or prepping for your next shoot, Combs & Company is here to simplify the process of securing reliable production insurance. We know what matters to filmmakers, producers, agencies, and creatives—and we’ve got the experience to protect your vision from start to finish.
Contact us today to schedule a consultation and get your custom production insurance quote.
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