When you hire independent contractors, you may assume that they are not employees, but as long as you direct and control that individual, you are considered the employer of record.  If an injury occurs and you do not have workers compensation coverage in place, you will have to pay for the medical expenses and any benefits required under the law.

A:   Ah...nothing like being on the water to enjoy the beauty of the sea.  As the song says "Sailing...takes me away"...ok, now where was I?  As an insurance broker, I have covered filmmakers who are simply filming a party on a yacht to filming actual fishermen while on the deck of a crab fishing boat-Yikes.

Q:  We are filming in New York in the next 4-5 weeks. Our financier has requested we obtain "rain insurance."  Please tell me more about this coverage.  

A:   The saying “You break it, you buy it!” is said to be a store’s policy which alludes to the fact that you must pay for an item if you break it.  I have found that this was not the case in the 3 times my son Trevor broke a number of china bowls, a bottle of champagne a