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Film studios must be sure they are covered by insurance

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Movie sets are a place that definitely require numerous insurance policies, especially those where actors and professional stunt artists engage in risky behavior.

Film studios are businesses, and they need to make sure they are covered in case a cast member is injured on set or property is ruined. Some types of business insurance a studio should consider investing in include cast coverage, props, sets and wardrobe coverage, extra expense coverage and miscellaneous equipment coverage.

Often, movie studios will meet with advisers who provide counsel on what aspects of production they should cover with insurance.

"Part of my role as a risk services consultant is to collaborate with movie studios to analyze action and stunt scenes, understand all of the safety measures in place, and ensure the safety of the cast and crew,"  said Paul Holehouse, an entertainment risk consultant.

With "The Girl with the Dragon Tattoo" being named the riskiest film of 2011 by an insurance company, Holehouse suggested several script rewrites and added stunt doubles to assure the safety of everyone associated with the movie, according to Reuters.

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