Coverage Definitions

Equipment, Props, Sets and Wardrobe

What is covered?

Camera, sound, lighting and miscellaneous rented equipment. Owned equipment is not covered. Props, sets, and wardrobe are covered.

How much should I insure for?

The insurable value should be the total value of your rented equipment, props, sets, and wardrobe from all vendors.

Can the deductible be changed?

No. The deductible is based on the total limit of equipment, props, sets, and wardrobe.

Are "Loss Payees" included?

Equipment insurance includes your vendors being provided with certificates of insurance naming them as loss payee in the event of a loss. Unlimited certificates can be issued.

Negative Film or Videotape & Faulty Stock, Camera & Processing

What is covered?

Damage or destruction of raw film or tape stock, exposed film or videotape, faulty stock, faulty cameras or lenses.

How much should I insure for?

The coverage limit is the declared budget of the production, up to a maximum coverage limit of $25,000.

General Liability

What is covered?

Covers the insured for losses due to bodily injury or property damage caused by the insured’s employees or agents. Locations will require general liability for 1,000,000. The aggregate is the total liability limit. The occurrence is the limit per claim.

Are "additional insureds" included?

With blanket additional insureds, your vendors and locations will be provided with certificates of insurance naming them as additional insureds in the event of a loss. Unlimited certificates can be issued.

Automobile (Hired & Non-Owned)

What is covered?

Vehicles rented for the production. Liability covers injury to third parties or damage to their property. Physical damage is included.

Workers' Compensation

What is covered?

Injury to your compensated and non-compensated employees and volunteers.

Coverage Territory

The coverage territory is worldwide, excluding the United States and those countries sanctioned by the U.S. Government.

Major Exclusions

Wear and tear, electrical surge, mechanical breakdown, confiscation by government, dishonest acts, intentional damage, damage while being repaired, and mysterious disappearance.