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Executive Risk Management | Entertainment Industry
Protecting Unique Executive Risk Liability Exposures
The entertainment industry thrives in a fast-paced, high-stakes environment where unique executive risk and management liability challenges are the norm. From workplace-related claims like harassment, discrimination, and wrongful termination to fiduciary responsibilities, these risks can impact leadership, operations, and your bottom line.
The Brown & Brown Executive Risk team specializes in solutions that provide a critical layer of protection, often bundling key coverages like directors and officers (D&O), employment practices liability (EPL), fiduciary liability, and crime lines of coverage. With the right insurance program in place, entertainment organizations can safeguard their people and productions, ensuring the show always goes on.
Reducing Employee Risk in the Entertainment Industry
The evolving workplace environment presents an opportunity to address longstanding behaviors in the entertainment industry. With limited capacity and stricter underwriting guidelines, minimizing employee risk is more critical than ever.
Provide Extensive Training
Employment Practices exposures in entertainment are notably high. Comprehensive training can significantly reduce risk. On-set employees often require certifications for specific roles, but it may be time to expand training efforts. Consider implementing in-depth employment practices training for managers and executives, focusing on expected behavior and the treatment of production staff. This can help mitigate claims related to bullying and harassment.
Establish Robust HR Protocols
Adopt an Employee Handbook before projects begin, ensuring it includes a code of ethics, employee hotlines, and anti-retaliation provisions. Proper HR protocols also cover termination procedures and require sign-offs for layoffs. While many on-set workers are independent contractors, they can still be held to the standards outlined in your handbook.
Secure Employment Practices Insurance
Transferring employment-related exposures through an employment practices liability (EPL) policy is a smart safeguard. This coverage can absorb the defense and settlement costs of claims, protecting your balance sheet from potentially catastrophic losses. EPL insurance should be considered a standard cost of doing business in the entertainment industry.
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Provide Extensive Training
Employment Practices exposures in entertainment are notably high. Comprehensive training can significantly reduce risk. On-set employees often require certifications for specific roles, but it may be time to expand training efforts. Consider implementing in-depth employment practices training for managers and executives, focusing on expected behavior and the treatment of production staff. This can help mitigate claims related to bullying and harassment.
-
Establish Robust HR Protocols
Adopt an Employee Handbook before projects begin, ensuring it includes a code of ethics, employee hotlines, and anti-retaliation provisions. Proper HR protocols also cover termination procedures and require sign-offs for layoffs. While many on-set workers are independent contractors, they can still be held to the standards outlined in your handbook.
-
Secure Employment Practices Insurance
Transferring employment-related exposures through an employment practices liability (EPL) policy is a smart safeguard. This coverage can absorb the defense and settlement costs of claims, protecting your balance sheet from potentially catastrophic losses. EPL insurance should be considered a standard cost of doing business in the entertainment industry.
FAQs
In the entertainment industry, leadership decisions can lead to legal and financial risks. D&O insurance protects directors and officers from claims or regulatory investigations tied to their roles, covering legal fees, settlements, and court awards. It safeguards both individuals and the organization, providing peace of mind so leaders can focus on driving creativity and success.
Employment Practices Liability Insurance (EPLI) protects entertainment organizations from costly employee-related lawsuits, including claims of harassment, discrimination, wrongful termination and more. In today’s litigious environment, these claims can devastate your finances and reputation. With EPLI, you gain critical protection beyond standard policies and training, ensuring your business is prepared for the unexpected.
Additional Resources
ESOPs: The Importance of Risk Management and Insurance Planning
Employee stock ownership plans (ESOPs) are increasingly popular, especially for smaller to mid-sized companies. These innovative plans have been around for decades, with high-profile examples like Avis in the 80s and United Airlines in the 90s. But ...
How Deregulation Could Affect Your Financial Services Business
Key takeaways: The new presidential administration is likely to prioritize a deregulatory agenda. The 2008 financial crisis demonstrated the risks of banking deregulation and weak oversight. Protect your organization by focusing on governance and ...
How Will States with Pay Transparency Laws Affect You?
California, New York, Washington, and Rhode Island have joined the growing list of states that require employers to communicate salary ranges for job openings. This is a big change from the past when companies kept salaries private to:
Market Trends
Our 2026 report unites Brown & Brown and Risk Strategies resources, knowledge and proven experience to deliver stronger insurance solutions for commercial insurance, employee benefits and personal insurance.Explore Other Executive Liability Insurance Solutions
Tailored D&O and EPL Protection for the Entertainment Industry
In the entertainment industry, leadership and employment practices come with unique risks that demand proactive solutions.
At Brown & Brown, we specialize in navigating the complexities of entertainment risk. With tailored D&O and EPL insurance solutions, we help to protect your leadership, employees, and productions—so you can focus on creating extraordinary moments.