Negligence and / or criminal activity likely voids all insurance coverage, including the duty to defend (this will vary by state law).Watermelon Man said:
Regardless, I would suspect Alec Baldwin had a considerable umbrella policy that would cover his liability should the other policies not provide coverage. After all, it would be the responsible thing to do to make sure others are protected from any negligent acts he may commit.
For instance, if Alec is the driver of a car on set and he recklessly drives too fast, acting a fool, hot rodding and forgets to turn at the last moment and runs over the other actors, he is likely going to be charged with a crime and he was acting negligently in regards to the safety of other actors.
In short terms, you cannot by insurance that covers you in regards to criminal and / or negligent actions. If you know a carrier, please post as I would be interested in such policy.
Not sure of the employer / employment relationships in the film industry, particularly in regards to the low budget nature of this film. Likely every person, from actors to camerapeople to set-builders are 1099 contractors, working under separate subcontracting agreements.
I would suspect there are indemnity clauses whereby the subcontractor agrees to hold the entity they are subcontracted with harmless in the event of loss. But most states have cracked down on such indemnities. One major focus of this crackdown was to very clearly indicated that the subcontractor cannot provide an indemnification in regards to the negligence of the entity there are subcontracted to.
So Alec is not going to get any and certainly not full insurance coverage both for claim and likely for duty to defend provisions as well. But I suspect Mr. Baldwin IS smart enough to have very few assets in his name.
For instance, his houses are probably owned by Big Baldwin's Pimparse House, LLC from which he leases the home from and pays a monthly or annual lease. In turn, any one working on that house from maid services to lawn care are subcontracted to BBPH, LLC. Same likely also applies to his cars, offices, hell he may have his furnishings "leased".
"The absence of the word accountability is not the same as wanting no accountability" -unknown
"You can never go wrong by staying silent if there is nothing apt to say" -Walter Isaacson
"You can never go wrong by staying silent if there is nothing apt to say" -Walter Isaacson