Government pulls pin on hot-rod chaperones for school formals

[playwme]

The TV, ad or movie production company has their own insurance. They are the licensed entity.

[davegmh]

The TV, ad or movie production company has their own insurance. They are the licensed entity.

The easiest way to think of it is to ask yourself this question - who is the principle contractor?
In the case of a movie or add they are in the case of formals or weddings the car owner is.