Does your scene count as an insurable stunt?

Standard production insurance frequently carves out physical action. If your shoot has a fight, a fall, precision driving, an animal, or an aerial or water scene, it likely needs to be declared and covered separately.

What counts as a stunt for insurance purposes?

Fights, falls, precision driving, water scenes, aerial shots from aircraft, and animal scenes are the core insurable stunt categories.

This includes shoots from airplanes, helicopters, gliders, and balloons, and scenes involving dogs, farm animals, household pets, or zoo animals. Each stunt is quoted and declared individually — multiple stunts can be declared to a single production.

Is stunt insurance required for a single action scene?

Yes — if the scene falls into an insurable stunt category, it typically needs its own coverage even if it’s the only physical action in the shoot.

A production doesn’t need to be an “action film” to trigger this. A single car chase, a single fall, or a single animal scene in an otherwise straightforward shoot is enough to require the stunt to be declared.

Can stunt coverage attach to an annual policy?

Yes — stunts, animals, and precision driving are available as a buyback option on DICE/Annual Production programs, and are also available under short-term policies.

Companies producing multiple projects a year don’t need a standalone stunt policy for each one; it can be layered onto the same annual program covering the rest of the production.

Where this gets written

Stuntinsure quotes physical action alongside your production policy

Stunts are quoted online simultaneously with the underlying production, so coverage for the scene and coverage for the shoot can be bound together.

Keep exploring

Related coverage

Need the base production policy too?

Stunt coverage is typically added on top of a production policy, not a replacement for one.

Fire, explosions, or squibs in the scene?

Pyrotechnic insurance covers effects like fire, blanks, and explosives, separate from physical stunts.

Selling or streaming the finished film?

Physical stunt coverage protects the shoot. E&O separately protects the finished content before it’s distributed.