Entertainment Insurance, Benefits and Risk Advisory

Live events and film or television productions share a defining trait: the revenue and reputation at stake are irreversible once showtime arrives. HUB's event and production risk programs combine event cancellation insurance, non-appearance coverage, production insurance, cast insurance and negative film and faulty stock coverage into one program addressing the full lifecycle of a production or event, from greenlight through wrap. For festival operators, concert promoters and touring productions, HUB scales cancellation programs to the exact risk profile of the event: single-date versus multi-leg exposure, indoor versus outdoor weather risk and performer concentration versus ensemble formats. 

Theaters, playhouses and touring theatrical productions carry a distinct combination of exposures: presentation liability, workers' compensation for stage and front-of-house staff and a heightened duty of care when programs involve young performers. HUB structures general liability, property and abuse and molestation coverage into one program built around how a performing arts organization operates season to season, rather than the single-event assumptions that generic commercial policies make. For touring productions moving between venues on a fixed schedule, HUB's Theater Insurance programs also address the contractual and venue liability questions that arise each time a show changes cities. Support for performing arts organizations serving young people is built directly into the program.

Video game developers and publishers carry a risk profile built around intellectual property, not physical production: IP protection, business operations coverage and employee protection matter more here than event-day exposure.

Entertainment business managers and advisors serve a client base where personal and professional risk can't be separated: a high-net-worth performer's public appearance schedule, domestic staff and high-value property all sit alongside their professional insurance needs. HUB's Business Management programs coordinate personal lines, high-net-worth risk advisory and professional coverage through a single advisor relationship, rather than splitting the client across separate personal and commercial teams. Management liability, including directors and officers (D&O) and fiduciary coverage for entertainment companies and benefit plan sponsors, is coordinated through HUB's Professional & Executive Risks specialists so that governance structure and coverage architecture stay aligned as a client's business grows.

Beyond core placement, entertainment organizations need workforce, prize and specialty programs that reflect how the industry pays and protects people. HUB structures workers' compensation programs around the specific classification exposures found in production and touring work, and employee benefits programs that meet or exceed the minimum levels specified in guild and union agreements. For promotions and contests tied to performance outcomes, HUB's Prize Indemnity Insurance protects organizers against over-redemption risk, while media liability and errors and omissions coverage protects content creators against copyright, defamation and privacy claims tied to completed productions. Together, these programs close the gaps that a narrower, single-line policy would leave open.