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Negative Film Insurance Explained

Insurance Coverage for the Commercial Film Producer

Negative film insurance covers a producer of commercial films and tapes – those involved in producing commercial films or documentaries on television or for training or public relations.

MORE: how insurance can protect the entertainment producer

A related policy can cover the loss, damage, or destruction of unprocessed or exposed film or tape.  As such, it covers the additional costs applied to finalize photography or taping after the expense incurred from a faulty production. Coverage includes the expense of re-filming or re-taping portions of the production rendered unusable due to damages.


A Negative film insurance policy is bound on a basis of risks of direct physical loss that has specific exclusions. Exclusions generally include losses resulting from:

  •  faults in stock

  • defective cameras

  • flawed sound equipment

  • deficient developing, editing and processing

Policyholders can obtain coverage for the above exclusions via an insurance endorsement.

Negative Film Insurance generally covers loss, damage or destruction of commercial films and tapes on a global basis. The Negative Film Insurance policyholder can be named under the title of the production or on a yearly reporting basis, covering all films.  

For further information regarding this insurance coverage, speak to the professionals at Prime Insurance.


PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: Any commercial producer understands the risk involved in regard to losses, damages and destruction of film or tapes. Negative Film Insurance covers these losses as explained above. 


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