Supplemental Insurance for On-Set Injury Risk & Income Gaps
Rigging, stunts, load-in and strike, long hours on your feet - physical risk is part of the job for a lot of film, TV, and stage crew, and a single injury can sideline both your income and your next booking. Supplemental insurance pays cash benefits directly to you, not to a hospital, so you have flexibility to cover rent, bills, and gaps between projects while you recover.
Types of Supplemental Insurance We Offer
Critical Illness Insurance
A critical illness policy pays a lump-sum cash benefit upon the first diagnosis of a covered condition. Common covered illnesses include heart attack, stroke, cancer, organ failure requiring transplant, end-stage renal disease, paralysis and major neurological events, and coma. You can use the cash benefit for anything - medical deductibles, travel for treatment, lost gig income, or everyday bills while you're off the call sheet.
Accident Insurance
Accident insurance pays scheduled cash benefits when you're injured in a covered accident - regardless of what your health insurance pays. Benefits are triggered by ER visits, hospital admission after an accident, fractures, dislocations, burns, concussions, internal injuries, ambulance transport, and physical therapy following injury - the kinds of incidents that can happen around rigging, grip trucks, and set construction.
Hospital Indemnity Insurance
Hospital indemnity plans pay a fixed daily cash benefit for every day you're hospitalized, plus additional benefits for ICU admission, surgery, and outpatient procedures. This benefit helps offset health insurance deductibles and out-of-pocket costs that can add up during an extended hospital stay when you're not earning production income.
Cancer Insurance
Cancer insurance is a specialized critical illness product that focuses exclusively on cancer diagnosis, treatment, and recovery. Benefits can include lump-sum diagnosis benefits, chemotherapy and radiation benefits, and transportation and lodging reimbursements for treatment - support many freelance production workers don't have through a traditional sick leave policy.
Short-Term Disability Insurance
If illness or injury prevents you from working, short-term disability insurance replaces a portion of your income during the recovery period. For self-employed and 1099 production workers without employer disability coverage, this is protection that most people in the industry don't think about until an injury takes them off a project.
Who Needs Supplemental Insurance in Film & Stage Work?
- Grips, riggers, and electricians working physically demanding set builds
- Stunt performers and dancers whose bodies are part of the job
- Self-employed crew without paid sick leave or disability benefits
- Crew and performers with high-deductible health plans facing large out-of-pocket costs
- Anyone whose household depends on one primary source of production income
- Freelancers who could not cover several months of expenses between bookings from savings alone
How Much Does Supplemental Insurance Cost?
Supplemental plans are generally priced well below the financial risk they help offset:
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.