When you first start out, dont forget INSURANCE!
When you work for a larger company as an EMPLOYEE, you will be covered by their public liability and indemnity insurance policy as long as you are engaged in work that you have been assigned.
When you are a FREELANCER, or as can sometimes be the case even when working for a larger company, a SUBCONTRACTOR, YOU ARE RESPONSIBLE for your own insurance.
So, if anything goes wrong, say an actor has an allergic reaction (whole different subject- to be covered in another post!!) and ends up requiring expensive medical treatment, or if the actor is injured in some way as a result of YOUR work, then YOU are personally LIABLE, not the production… nor the company that may have engaged you to do the work…. Of course the injured party may choose to sue them as well for having hired you in the first place, but in the end, its going to cost you.
A lot of people ignore insurance when they start out, they think its too expensive… but being sued for injury or loss of income is going to be a WHOLE lot more expensive, and given how hard it is to make any money in this business in the first place when you are in your early career, can you afford to take that risk?????
All countries have different legislation covering insurance and compensation so you will need to ask around for the best kind of cover. In the United States you may be able in many cases you can ad it as a rider to a home insurance policy for little to no cost. Australia is a little different, you can cover tools of trade at home or in the car, and public liability on the premises, but not on a worksite, which requires a separate policy…
Some places have policies specifically geared to the Film and TV production industry. You can also ask your local Government regulatory authority, Media Union or Professional Association for recommended insurers. If you can’t find those, then get some kind of Mobile Business Insurance if you are working on sets and locations, that will cover you for personal liability and tools of trade, (often these cover any assistants as well).
Don’t skimp- it could cost you your livelihood or your lifestyle!