Request Additional Coverage

Overview

Students can purchase additional insurance to allow them to include items or activities that are not covered by our general policy, the student can complete an Uninsured Activity Application Form.

This is accomplished by submitting an Uninsured Activity Application Form.

If a high-risk item or activity is identified during their pre-production process, they must submit an Uninsured Activity Application Form. Because of the extra time needed to process these requests, and to allow for delays once it has been sent to the insurance agent, any requests for including uninsured items or activities in a student production must be submitted by the Disclosure Deadline for each production season.

Students are able to obtain additional insurance if a high-risk item or activity is identified during their development or pre-production periods.

Students are not permited to add uninsured items or activities after the disclosure deadline.

If a student proceeds with a production that includes uninsured items or activities, that has not been reviewed by the Risk Management Panel and appropriate coverage secured, disciplinary actions will be enforced.

Application Steps

1. Student applicant reviews the Coverage Exclusions section of this handbook and uses it to evaluate their script, outline, production schedule, and/or other preproduction materials to help identify any items or activities that may not be covered under the Film and Mass Media Program’s production insurance or are prohibited by policy.
2. Review your script and pre-production materials with Instructor-of-Record. Discuss with them any potential uninsured and prohibited items or activities you may have identified for your upcoming film/video production. Decide whether these are critical to the success of your production. If so…
3. Write a Cover Letter to the Risk Management Review Panel outlining the uninsured item or activity you wish to gain approval and/or obtain additional insurance coverage for. You must use the Sample Cover Letter as a template. FYI – Requests to include prohibited items or activities will not be approved.
4. Complete and sign the Uninsured Activity Application Form.
5. Turn in the completed Uninsured Activity Application Form and Cover Letter to your Instructor-of-Record, faculty advisor, or thesis chair, who will then review and submit it to the Risk Management Panel on your behalf.

Application Results

Uninsured Activity Applications will be reviewed by the panel and will receive one of the following codes:

• APPROVED (A) – The student applicant has met all requirements laid out by Risk Management Panel and is approved to start production of their project.
• CONDITIONALLY APPROVED (CA) – Project has elements that are not covered by existing policy, but the panel is willing to assume the risk on behalf of the program. The student MUST document how they plan on including these items and/or executing these activities in their Cover Letter. This may require pre-visualization, such as overhead diagrams and storyboards, to clearly outline the blocking of camera, talent, and other key elements.
• ADDITIONAL INSURANCE (AI) – Project has elements that requires the purchase of additional insurance coverage. Student must obtain the additional insurance coverage via a rider to the school’s existing production insurance policy or they can procure their own insurance coverage from another provider.
• CONFIRMATION OF INSURANCE (CI) – Student has obtain an insurance rider to the school’s policy or they have procured their own coverage from another provider.
• NOT APPROVED (NA) – Requested Item or activity is considered too risky and is not permitted under any circumstance, even with the purchase of additional insurance coverage by the student.
• WITHDRAWN (WD) – Student applicant decides to amend script, outline, production schedule, and/or other pre-production materials so that no uninsured/prohibited items or activities are included and will not be present or take place during the production of their project.

Additional Insurance Notice

The school’s insurance underwriter determines the cost of covering the uninsured items and activities. The student is responsible for any insurance costs for items or activities they choose to include in their production that are not covered by the program’s production insurance policy.

If students that has the items and/or activities clearly outlined in the policy schedule or has written confirmation directly from the underwriter (not the agent), that the items or activities in-question are covered. All additional insurance policy documents must be sent to the Insurance Coordinator for review and final approval before production can start.