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  Coverage Definitions  

  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 referenced on this website may not be available in all territories and may vary depending on the exposure. Minimum premiums may vary by State. 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.  



Rented Equipment (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 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.
Third Party Property Damage
What is covered? Covers damages to property of others while in the care, custody and control of the insured (i.e. damage to the floors in a facility you are renting).
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 and vendors will require general liability for 1,000,000.
General Aggregate and Occurrence Differences?

The aggregate is the total liability for the policy period.  The occurrence is the limit per claim. 

The UNLIMITED general aggregate means there is no cap on the total policy limit. 

However, there is a limit of 1,000,000 for each claim (i.e. the policy will cover an unlimited number of separate incidents at a maximum of 1,000,000 per each claim).

Are "additional insureds" included? Blanket additional insureds are included and your vendors and locations will be provided with certificates of insurance naming them as additional insured in the event of a loss.  An unlimited number of certificates of insurance can be issued, including certificates for cities and government entities.
What is a Waiver of Subrogation? Occasionally a vendor will request a waiver of subrogation.  In the event of a loss, this prevents your insurance company from recovering any funds from the vendor if the claim was due to the vendor's negligence.
Automobile (Hired & Non-Owned)
What is covered? Liability for vehicles rented for the event.  Liability covers injury to third parties or damage to their property.
Liquor Liability
What is covered? Liquor liability provides coverage for the following losses for which you may be held liable:  1) Causing or contributing to the intoxication of a person, 2) The accidental furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol, or 3) Any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages.
Spectators & Participants Medical
What is covered? Expenses incurred by a Participant or Spectator for services recommended and approved by a Physician (and listed on the Schedule of Services) which result from a covered injury.
What are the limits?

250,000 Aggregate Limit of Indemnity

  25,000 Accidental Death & Dismemberment (per person)

  25,000 Accident Medical Expenses


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