Santa Clarita Business Insurance

Who owns or leases the premises and who authorizes outside use

If your Santa Clarita business owns or leases its premises and an outside party asks to use part of the property — for filming, an event, or another temporary activity — clarify who owns and leases the premises and who has authority to grant outside use before you agree. Describe the actual activity, the areas to be closed or used, the people and equipment involved, the dates, and the setup and restore obligations. Notify your insurer in writing before agreeing so your insurer can confirm whether the activity falls within your ordinary operations or requires separate consideration. Do not assume your ordinary-use coverage extends to outside activity on your premises.

Inventory, fixtures, and outside crew gear

If outside activity brings additional people and equipment onto your premises, identify what belongs to you and what belongs to the outside party. Ask how your property form treats your own stock and fixtures versus property of others in your care, custody, or control, and whether alterations, restoration, or damage from the activity are addressed. Do not assume damage to your premises or to outside-party gear is automatically covered; review the applicable exclusions and any separate arrangement the activity contract requires.

Production contract insurance obligations and actual endorsements

Review the activity agreement with a qualified legal adviser for contractual rights and obligations. Separately, ask authorized insurance representatives to compare the insurance requirements with the actual policies intended to satisfy them — your own policy and the outside party's policy may have different roles. A certificate summarizes insurance; it does not amend coverage. If additional-insured status, waiver of subrogation, or primary/noncontributory treatment is requested, verify the applicable policy wording or endorsements and their conditions. Check current city requirements directly with the Film Office; neither a contract nor a permit changes an insurance policy.

Temporary closure, lost sales, access, and reopening

If outside use closes part of your premises or restricts customer access, ask whether business income coverage applies to the lost sales or reduced revenue. Business income generally requires a covered cause of loss and depends on the policy's triggers, limits, and any waiting period — a temporary closure or lost bookings alone do not establish coverage. Review the actual forms and time conditions with your insurer's authorized representative rather than assuming routine booking cancellations or lost revenue are covered.

Before and after condition records and claim reporting

Keep before-and-after condition records of your premises and note any damage promptly. If damage or an injury occurs, report it using your policy's claim procedures and the actual insurer's or administrator's reporting instructions. Do not send claim documents, medical details, or sensitive personal information through the public quote form — use your insurer's approved channels for claim notice.

Official local resources

Ask the city what permits or licenses apply to your actual address and activities; insurance and licensing are separate reviews, and this guide does not determine either.

• City of Santa Clarita — Filming on Your Property
• City of Santa Clarita — Economic Development and Film Office

Local resources reviewed 2026-10-27.