Media Insurance

Yes, Towergate media insurance excesses vary but full details can be found on your policy documents or you can contact one of the team.

We are able to offer a range of public liability indemnity limits including £1m, £2m, £5m and £10m as standard. Employer's liability is covered for £10m as standard to meet the minimum requirement by law.

You can check how much your multimedia equipment should be insured for by finding the price of the equivalent model on the market today. Because we replace your items on a new for old basis, the price for the latest equivalent version of your equipment is a good place to start when deciding new for old values for insurance. Don’t forget, if you are VAT-registered you can deduct this from your value.

If you are hiring equipment the hire house will usually provide an insurance value they require you to insure the kit for.

You will need to tell us where you are working geographically to make sure we can cover your production. We are able to provide a worldwide extension to cover the full production for all your equipment and liabilities.

• Insurers will indemnify you for any negligence, breach of a duty of care, infringement of IP, copyright and trademarks. Also known as errors and omissions insurance this type of policy covers you for any professional negligence for the work you do.
• All risks negative and videotape insurance: Get insured against raw film, videotape, prints images and tapes from loss, damage and destruction.
• Loss of hire fees: Insurer will indemnify you in respect of loss of hiring charges for which you are responsible under conditions of hire arising directly from accidental loss destruction or damage of equipment.
• Money insurance: Cover for loss, destruction or damage to any money used during the production for cash or cheques.
• Group travel and personal accident: If you are travelling abroad with your production we can look to offer group travel insurance to cover any medical expenses. Travel will need to be from the UK.
• Commercial drone insurance: If your company is registered to fly commercially we can look to provide a fully compliant EC 785/2004 insurance policy.
• Public and employer's liability cover: Public liability cover is especially important for film projects which may involve interaction with the public or performances in public areas, and how much cover you need will depend on the size of your project. If you’re unsure how much cover you need, tell one of our knowledgeable advisers about your business and they’ll be able you decide on the right cover. It is also a mandatory legal requirement in the UK to have employer's liability insurance and this will protect your cast and crew from loss or injury while carrying out work for you.

We can tailor-make you a policy which includes the right levels of all types of public and employer's liability insurance protection.

If you prefer to spread the cost of your annual premium, we offer a quick and easy Direct Debit scheme.

When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.