Production Insurance

Here is how this works in practice. Production insurance in New Zealand sits on a structural feature that global productions consistently underprice: the Accident Compensation Corporation (ACC) is a universal no-fault accident-cover scheme that protects every crew member and cast member on a NZ shoot no matter nationality, removing the workers'-compensation top that productions arriving from the United States budget for at multiples of NZ cost.

Here is how this works in practice. Above ACC, our brokers structure the standard production stack — cast insurance compliant with Equity NZ talent contracts, errors and omissions, negative and faulty stock, gear and props (including ATA-carnet-imported gear cleared through NZ Customs Service), third-party liability, employer liability, business-interruption — with NZSPG completion bonds for the global features and TV productions that hit the QNZPE qualifying thresholds. WorkSafe NZ Health and Safety at Work Act 2015 compliance underwrites the safety case. IRD-registered NZ production entities anchor the policyholder column.

Here is the short of it. Geography drives top contours that flatter, drier countries do not face. Fiordland records seven metres of annual rainfall and Pacific ex-tropical-cyclone activity peaks March-April — weather-day insurance loadings cover Aoraki/Mount Cook, Mount Aspiring, Westland Tai Poutini, Abel Tasman, Tongariro, and Fiordland units, and Mackenzie Country UNESCO Dark Sky Reserve nights ship night-shoot loadings. Alpine four-seasons-in-one-day exposure loads helicopter, four-wheel-drive, and marine charter cover across Glenorchy, Queenstown, Te Anau, Wanaka, and the West Coast Glaciers.

Here is the short of it. Aerial cover for CAA NZ Part 102 drone work attaches to the airspace approval. Marine cover for Maritime NZ coastal shoots attaches per voyage. And Department of Conservation Part 102 environmental bonds plus Heritage New Zealand Pouhere Taonga site-restoration bonds layer above primary property cover. Iwi cultural-property cover for taonga and wāhi tapu imagery is negotiated alongside mana whenua under Te Tiriti o Waitangi partnership duties. Our claims team handles rapid-response resolution through the broker stack.