Imagine falling through the air, wind whipping through hair as you freefall through the clouds. Now imagine reaching up to grab the cord on your parachute – only to realize that your parachute hasn’t unfurled to slow your fall back down to earth.

Filming stunts without insurance is a bit like skydiving with a faulty parachute. Even if things look safe, even if every last detail is choreographed by experts, there’s still a chance that something might go wrong.

As with other types of insurances, different companies will cover different stunts. Examples include fight sequences, aerial scenes, falls, and water scenes. Stunts should be choreographed and scripted, and they must be declared when seeking insurance. In the case of water stunts, policies will not provide coverage for the boats, which must be insured under a separate endorsement.

It is always a good idea to get several quotes from different agencies, compare policies, and decide which one is best for your production.

Insurance gives you the peace of mind you need to enjoy the thrill of the fall and focus on making the best scene possible.

After all, how many people would jump without a parachute?