Equipment Rental Houses have unique coverage
concerns for which specific policy forms have been designed to
accommodate these exposures. AFIG Entertainment provides several
services to Rental Houses, and places insurance coverage on many of the
specific Rental House Equipment Floater Policy forms.
The typical Equipment Rental House holds
it's customer responsible for loss or damage to the Equipment being
rented. This is agreed upon in the Rental Contract, and therefore the
Rental Contract is vitally important. AFIG Entertainment will
review your Rental Contract for accuracy and content. If the Rentee
assumes responsibility for the equipment, then they must also provide
proof of insurance providing coverage for that equipment.
AFIG Entertainment will also provide
training to your Rental Staff, as well as sample Certificates to educate
them on what insurance is applicable and correct, and what does NOT
provide the coverage required.
Most Insurance Companies will offer premium credits to the equipment
rates for Rental Houses due to the fact that the equipment is usually
insured by the Customer. This allows Rental Houses to save money when
their equipment is rented to clients that provide proof of insurance
coverage for the rental.
Coverage is commonly NOT provided for the equipment while it is in the
care, custody and control of the Customer, hence the importance of the
Rental House getting a certificate of insurance from it's client.
Rental Houses commonly request a "Certificate of Insurance" providing
proof that they are named as Additional Insured on their Customerís
General Liability policy. This extends the customerís liability policy
to provide protection for the Rental House if the Rental House is named
in a lawsuit brought against the Customer.
Long recognized for delivering superior service, St. Paul Travelers and
Allen Financial Insurance Group support policyholders through its global
network of loss control and claim professionals. Our loss control
specialists have a deep knowledge of the entertainment business. They
identify potential hazards and help mitigate or prevent losses. They can
provide invaluable advice in fire prevention, disaster recovery
planning, equipment maintenance and premises safety.
The AFIG Entertainment & Media Division provides entertainment
insurance coverage on a worldwide basis for Motion Pictures, Television
and D.I.C.E. productions.
Sets, Wardrobe and Related Property Floaters
an "all risk," "worldwide," Inland Marine Floater that covers owned
property and the property of others while used or to be used in
connection with the insured activities for direct physical loss.
equipment covered by this floater may include Camera, Sound, Grip,
Electrical lighting, Communications and Musical Instrument
Equipment, Production Location Equipment (fixed and mobile),
Recording Equipment, Theatrical Property, Recreational Area
Equipment and all related property.
a "worldwide" Inland Marine Floater that covers owned property and
the property of others while used or to be used in connection with
the insured activities.
producers need this protection for their liabilities to others
arising out of their operations. This contract protects them for
their liabilities for unintentional bodily injury and property
It provides coverage for claims
of bodily injury and/or property damage arising out of the filming
of a picture. This coverage is required prior to filming on city
and state roads or on any location sites requiring permits or
Bodily Injury to Cast and Crew members is not covered here
and should be covered by a Workers Compensation policy. This policy
also excludes property damage to property involved with the
production, automobile liability, large watercraft liability, &
aircraft liability. These exposures can be insured with specific
Property Damage Liability
Insurance (Third Party)
Property Damage Liability Insurance
covers loss, damage to, or
destruction of property of others, including loss of use of that
property in your care, custody or control. Coverage does not apply to
liability for damage to property caused by operation of any motor
vehicle, aircraft or watercraft, including damage to the foregoing; or
liability for damage to any property rented or leased that may be
covered under props, sets, or wardrobe; or miscellaneous equipment
insurance. This coverage is not included under a Comprehensive General
Liability Policy. Property Damage Liability Insurance written as part
of a comprehensive general liability policy excludes damage to any
property in the production company's care, custody or control.
coverage protects the film producer for their liabilities arising
out of use of automobiles in their business. Physical damage to
"hired vehicles" can also be insured. If the production company owns
any automobiles, they must be specifically listed on the policy.
- Owned Auto Insurance
covers autos registered to, or purchased by, the production
- Hired Auto Insurance is
required if the production company plans to rent or hire
- Non-Owned Auto Insurance
provides coverage, if you are sued as a result of damage caused
by an employee during the course and scope of company business.
Physical Damage Insurance is also available
often requires liability coverage in excess of the limits provided
in primary General Liability, Auto Liability, Employers Liability
and Third Party Property Damage policies. Most entities
requiring proof of liability insurance require a $1,000,000 limit.
Some locations require higher limits.
Excess policies providing substantial limits can be arranged.