Members of the public are covered by public liability cover. These insurance policies are arranged by the theatre, film or television company and are the first port of call for anyone with a grievance. It is not the FD's insurance that claims will be made on should an accident take place. It is the employee and public liability cover which really matters in production. A new law is now in place in the UK which holds the management of a company liable, should there be a death in the workplace due to their negligence.
All companies are now in a position where it is prudent to employ a fight director.