Managing Risks for Music Video Shoots

Chuck Redington

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December 13, 2024

Music videos are an important part of any artist’s release strategy, but they are far from simple productions. Requiring many of the same tasks as filming a feature-length film, such as casting, rehearsals and location scouting, they face the same complex risks, ranging from environmental hazards and regulatory noncompliance to safety issues for the cast, crew, general public and equipment. Filming on location versus a studio or sound stage brings additional risks, especially when production teams operate in sensitive or high-risk environments.

Several recent examples of problems arising from music videos shot on location highlight how these risks can affect productions and, sometimes, the reputation of the artist and production company. For example, Katy Perry faced an investigation and public backlash after filming her "Lifetimes" video on protected dunes in Spain’s Balearic Islands. Local authorities claimed that the production did not receive the authority to shoot in the location deemed “of great ecological value.” Although there were no criminal accusations against Perry or the production team, the public back-and-forth in the media resulted in negative press.

Similarly, Sabrina Carpenter’s “Feather” video, which was filmed in a historic Brooklyn church, also sparked controversy. The video’s suggestive content led to a public outcry and an investigation, which resulted in a priest being stripped of his duties. The priest claimed the parish was not made aware of the content in the video, while Carpenter’s team claims they had full approval.

Both situations underline the importance of understanding the potential risks of filming and producing a music video on location, from obtaining appropriate permits to ensuring clear and transparent communication. Securing the appropriate insurance coverage is also critical for artists and their teams to help mitigate potential legal, financial and reputational repercussions, and ensure a smooth production.

Protecting Productions with Insurance

Insurance coverage for productions depends heavily on the filming location and the associated risks. For example, filming on water or in protected areas or conducting high-risk activities like stunts can affect coverage and potentially increase insurance premiums. Even with appropriate safety measures in place, insurers may charge higher premiums due to the nature of the terrain or other external factors. However, coverage might not be available without proper safety protocols or notification to local authorities.

Typically, general liability insurance is required to obtain the necessary permits for productions outside controlled studio environments. Without this coverage, the production could be left vulnerable to costly claims arising from environmental damage, third-party injury or property damage. In fact, they will often be denied access to their desired location without it.

Securing Permits and Professional Support

Producing music videos in unique and picturesque locations can add to the cinematography and appeal of the final product. However, these locations often come with environmental protection requirements and are subject to local regulations. Unauthorized access to protected or public filming locations can pose significant risk. Without the correct permits, production teams could face severe fines, investigations by authorities or even be banned from filming in certain locations.

Location management plays a pivotal role in minimizing risks and avoiding costly mistakes. From the onset, production teams must work closely with local authorities to obtain permits that detail where and how filming can take place, as well as the crew size and equipment involved. Often, the most direct and useful way to ensure adherence to local protocols is to work with a location expert, whose job it is to recruit and promote certain locations for film and television. Location managers have in-depth knowledge of local sites, regulations and logistics. Their knowledge helps ensure that production teams secure the necessary permits, put proper safety protocols in place and comply with any insurance requirements. In all, this saves time and avoids costly delays.

No matter the location, transparency between production teams, owners, authorities and the surrounding community is vital to preventing misunderstandings or disputes. Insurance can further protect productions from third-party claims. A solid insurance plan can provide a financial safety net if environmental damage or public complaints occur. However, productions must adhere to strict guidelines to ensure they do not void their coverage, such as notifying their insurer of any high-risk activities or controversial content planned for the shoot.

Managing High-Risk Activities

The variety of activities involved in a music video shoot while filming on location can add layers of complexity to risk management. Productions might include stunts, special effects or the use of hazardous materials, all of which can escalate the risk of accidents or environmental damage.

For example, filming on water requires boats to be in good working condition, experienced captains familiar with local waterways, personal flotation devices for crew members and additional safety measures to prevent third-party interference. Without proper planning, productions could face significant liability exposure, including potential accidents, cast or crew injury and environmental damage.

Additionally, productions involving stunts and pyrotechnics require specialized insurance coverage and safety protocols that comply with local authorities’ rules and regulations. Local authorities may mandate fire safety officers or other experts to monitor the set and ensure the crew follows proper procedures. Productions may also need to take out permits for special effects, and insurers may require proof of safety protocols, such as fire suppression equipment on set.

No matter the level of risk, production teams can get ahead of issues and ensure smooth collaboration with insurance carriers by developing and submitting detailed safety plans, including contingency measures for dangerous activities.

Conducting Detailed Risk Assessments

In the UK and Canada, it is common practice for production teams to submit risk assessments to insurance companies before filming. These documents outline potential risks associated with the production, from terrain and weather-related issues to special effects and stunts. While not mandatory in the United States, implementing risk assessments as a critical step ensures the safety of the crew and the environment.

Risk assessments also help productions identify potential hazards and establish protocols to minimize them. For instance, if filming involves using animals or hazardous stunts, a risk assessment would detail the necessary safety precautions, such as having experienced animal handlers on set or conducting rehearsals for dangerous stunts. By thoroughly preparing for these risks, production teams can better protect themselves from accidents and subsequent claims.

The controversy surrounding recent music video shoots is a cautionary tale for artists and production teams. By prioritizing comprehensive risk assessments, maintaining clear communication with local authorities and securing specialized insurance coverages, productions can safeguard themselves against unexpected liabilities. In the ever-evolving landscape of music video production, where creativity meets high risk, being over-prepared should be the norm.

Chuck Redington is the director of risk control at Intact Insurance Specialty Solutions.