SHORT TERM PRODUCTIONS

Coverage Definitions -

Coverage Definitions

Equipment, Props, Sets and Wardrobe

What is covered?

The insurable value should be the total value of your rented equipment, props, sets, and wardrobe from all vendors. Owned equipment, props, sets, and wardrobe can not be 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. Owned equipment, props, sets, and wardrobe can not be covered.

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.

Are "Loss Payees" included?

The insurable value should be the total value of your rented equipment, props, sets, and wardrobe from all vendors. Owned equipment, props, sets, and wardrobe can not be covered.

Extra Expense

What is covered?

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

Third Party Property Damage

What is covered?

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 of at least 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.

City and other special certificates

The City of LA, other cities, and entities may require “special wording” on their certificates or have a special form they require be completed. Film permit offices will require this.

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 provides coverage for damage to the vehicles.

Excess Liability

What is covered?

This provides excess liability over the general liability and/or automobile and can be obtained in increments of 1,000,000.

Workers' Compensation

What is covered?

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

Who is not covered?

For corporations, partnership, LLC’s and other legal entities, officers are excluded from coverage. For individuals and dba’s, the owners are excluded from coverage.