Lights! Camera! Risk! Insuring movies is risky business

"It was Bart the Bear. He's famous: In every bear movie you've ever seen, if the bear is trained, it's Bart," says the film's insurance broker, Christie Mattull, senior vice president of the DeWitt Stern Group.

"When an animal is trained, then it's more expensive to insure," she adds. "If you have a bear from the zoo, he's worth whatever a bear costs, maybe $5,000. But if a bear's trained to dance and pretend to attack on command, then he's worth $250,000."

What's more, because Penn likes to change shooting plans during a production, "I was constantly talking about where they were and what they were doing, and I'd have to renegotiate with Fireman's Fund."

But that was nothing compared with what had to be done for the 2002 flick K-19: The Widowmaker, starring Harrison Ford.

"We actually got a Russian nuclear submarine," Mattull says. "That submarine had to be towed from Florida to Nova Scotia for filming, and we had to insure that — it couldn't move under its own power — and make sure the tugboats wouldn't be sucked down if the submarine sank."

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