Note: This is a general summary of coverages and it is not intended to give complete policy information. All coverages and exclusions
are found in the policies.
"Coverages
and services described in this website are generally stated
for the purpose of promotion. The material does not modify or
amend the terms, conditions, or coverages of any policy.
Please ask your Supple-Merrill & Driscoll, Inc.
representative to explain coverage details, exclusions, limits
or other provisions of any insurance policy."
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. Owned equipment, props, sets, and wardrobe can not be
covered.
Can the deductible be changed?
No. The deductible is based on the total combined 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.
Extra expense reimburses the insured for the out-of-pocket expenses in the event of the
interruption, postponement or cancellation of the specifically declared production. As a result of
loss or damage to or destruction of property or facilities contracted for use by the insured during
the coverage term.
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.
Special
Certificates (FilmLA, NYC, Etc.)
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.
All vehicles that you rent for the production. Liability covers injury to third parties or damage to their property. Physical damage provides coverage for damage to the vehicles.
This provides excess
liability over the general liability, automobile (if purchased) and
employer's liability (if purchased) subject to a $10,000 deductible
and can be obtained in increments of 1,000,000.
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.
