To address evolving risks within the entertainment sectors, Miller has announced the launch of Cast and Crew Buy-Back Insurance, a new product developed in partnership with Pulse Insurance.
The offering is designed for media, film, and television production companies and financiers operating in the UK and Europe. The insurance product provides coverage for unexpected costs resulting from illness or accidents involving named cast or crew members.
According to Miller, the policy is tailored specifically for the media industry and aims to address the unique risks faced by production teams. The Cast and Crew Buy-Back Insurance is available to clients across the UK and Europe.
The introduction of the product comes as the UK media production sector faces increasingly complex risks. According to Dan Woods, of Media Insurance Brokers (Howden), the shift toward streaming, digital formats, and rapid production schedules means that insurance brokers are now required to stay closely involved throughout the production process.
Woods explained that underwriting for film and content production now means understanding how risk behaves across platforms, locations, and timelines. Brokers are often engaged in approving risk assessments, managing cast declarations, and responding to sudden changes in production schedules, as even a single delay can lead to significant financial losses for production companies.
In addition to traditional concerns such as cast illness, errors and omissions, defamation, and copyright remain primary exposures for content creators. While these risks are still priorities, the rise of AI, user-generated content, and new production models are introducing additional challenges.
The insurance market is adapting by updating E&O policies and requiring clear documentation of creative intent, especially as legal frameworks around likeness and copyright continue to evolve.
Media productions are also increasingly seeking endorsements and tailored solutions for issues such as weather delays, reputational risk, hazardous stunts, and terrorism. These exposures require specific attention in policy terms, and brokers work with clients to identify whether insurance solutions are available for each scenario.
