As a production company, you may have very few permanent staff on the payroll, but you should still consider employers’ liability insurance. But Why?
Production Assistants and labour only sub contractors
If on your shoot/production you are hiring assistants or labour only sub-contractors, they are normally considered employers of the shoot/production and would be covered under your employers’ liability. Injury to assistants and labour only sub-contractors, due to the your negligence as a production company, would be covered by the employers’ liability insurance.
what about Production Freelancers, such as stylists, hair and Make up, Artists, Set Builders etc.
If on your shoot/production you are using freelancers, such as stylists, hair/make-up artists, set builders etc, they are considered bona-fide subcontractors to the shoot/production, as they are charging a fee under a contract for employment for their professional services/expertise. They should have their own liability policies in place. But it is your responsible to check they have the necessary insurance.
The definition of an ’employee’ is very board under UK legislation. As a result, we believe all production companies should ensure they maintain employers’ liability. Employers’ liability is include as standard under our studio and kit insurance packages, annual production insurance packages and one off production insurance packages.