Film Locations Glossary
Additional insured
What is additional insured?
Also called additional insured endorsement.
Additional insured is the status a production grants a property owner on its liability policy, so the owner is covered by the production's insurer for the period of the shoot.
Almost every location agreement requires it, and the owner's name has to appear exactly as they specify. Getting the name or the entity wrong is the most common reason a certificate is rejected the day before a load-in.
Example
An owner asks to be named as "Maple Street Holdings LLC dba The Maple House." The certificate comes back naming "Maple House" and is rejected the afternoon before load-in, costing a day while the broker reissues it.
Figures are illustrative, chosen to show the mechanics rather than to quote market rates.
Where you'll see it
Requested on the certificate of insurance at the point the location agreement is signed.
Common mistake
Naming the owner the way the production refers to them rather than the exact legal entity they specify. A mismatched name is the most common reason a certificate is rejected the day before load-in.
Related questions
- Who asks to be an additional insured on a film shoot?
- Property owners, venue operators, municipalities, and equipment vendors. Almost every location agreement requires it as a condition of access.
- Is additional insured the same as a hold harmless clause?
- No. Additional insured puts the owner on the production's policy; hold harmless is the contractual promise that the production carries the claims. Agreements normally require both.