Equipment Floater Insurance 

Equipment Floater Insurance – Entertainment Equipment Floater
By: Allen Financial Insurance Group

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The Entertainment Equipment Floater provides annual coverage for schedules of any size. The program covers a broad array of equipment and allows for many types of coverage, including the option for rented equipment. Equipment Floater Insurance “Floater” refers to the fact that the coverage for the equipment “floats”, and is not restricted to one location. Coverage is provided on a “Limited Worldwide” basis, there are several excluded countries (mostly in the Middle East).

Coverage is provided for damage, destruction or loss resulting from a “Covered Cause of Loss”. Covered Causes of Loss include, but are not limited to: Fire, Theft, Vandalism, Breakage and Water Damage. Earthquake coverage is NOT included in this quote, but coverage IS available – please call for a quote

While you may have coverage for liabilities, litigation’s, and other risks, some of your equipment might not be properly covered. Certain types of equipment that is easy to transport, isn’t always covered under the commercial property insurance policies, making equipment floater insurance vital! Coverage for their “Equipment” is the primary coverage that most people are concerned about. “Equipment” refers to, but is not limited to, Camera Equipment, Editing Equipment, Sound and Lighting Equipment, Generators and Portable Electrical Equipment, Grip Equipment, Mechanical Effects Equipment and similar “Miscellaneous Equipment” owned by you or for which you are liable.

Coverage can be provided under this policy for your own equipment, equipment that is on consignment to you (under your control and responsibility), and equipment that you rent or borrow from others. The person renting or loaning the equipment to others should request a “Certificate of Insurance” providing proof that they are named as Loss Payee on your policy.

Equipment Floater Insurance

Equipment Floater Insurance

Equipment Floater Insurance

Equipment Floater Insurance

What does equipment floater insurance cover?

Equipment floater insurance offers protection for mobile equipment in the case of a number of risk exposures including theft, fire, flood, equipment breakdown, vandalism, and other types of damage. Extreme weather conditions and natural disasters like hurricanes or tornadoes can cause irreparable damage to contractor equipment. Unforeseen events such as these require businesses to carry equipment floater insurance coverage in order to protect their financial assets and have coverage for repairs or replacements of these very expensive pieces of equipment. The cost of coverage under equipment floater insurance depends on how old the equipment is. If the piece of equipment it is five years or newer, repairs and replacement of equipment will typically be covered. However, for equipment older than five years old, the cost of repairs or replacement will be determined based on the actual value of the equipment. Example: For instance, while a camera may have been pricey when it was first purchased, the value goes down every year due to depreciation; therefore, a 10-year old camera will not have as much coverage as one that is only a couple of years old.

What types of equipment can be covered?

  1. Editing/Post-Production Equipment – Post-Production, film and video editing, Computer-Generated Special FX Equipment, Audio Sweetening, Animation, etc.
  2. Recording/Studio Equipment -Sound Recordings (in studio)
  3. Sound/Location Recording Equipment – Sound Recordings (on location)
  4. Musical Instruments/Band Equipment – Any & all kinds of musical instruments (used on location or in studio)
  5. Camera/Production Equipment – Any & all kinds of camera equipment (still cameras, video cameras, motion picture cameras, grip, lighting, lenses, tripods, and related accessories)
  6. P.A./Sound Reinforcement Equipment – Used on location for live events
  7. Rented Equipment – Equipment rented from others (Policy cannot be written solely for rented equipment. Rented Equipment cannot exceed 300% of total Owned Equipment Limit.)
  8. Office Contents – Excluded unless scheduled
  9. Miscellaneous -Any type of unscheduled equipment. Limited to $500 Maximum per item and $10,000 maximum per Policy.
  10. Theatrical – Props, sets, wardrobe, puppets, costumes, and similar items.

Equipment Categories

  •   Editing/Post-Production Equipment  
  •   Recording/Studio Equipment  
  •   Sound/Location Recording Equipment  
  •   Musical Instruments/Band Equipment  
  •   Camera/Production Equipment  
  •   P.A./Sound Reinforcement Equipment  
  •   Rented Equipment  
  •   Office Contents  
  •   Theatrical Equipment 
  •   Miscellaneous Unscheduled Equipment  
  •   Negative film / Faulty stock
  •   Construction Equipment


Coverages available through the Entertainment Equipment Floater Program include:

  • Owned Equipment
  • Rented Equipment
  • Negative Film & Faulty Stock
  • Library Stock
  • Extra Expense
  • Third Party Property Damage
  • Office Contents
  • Business Income/Extra Expense
  • Worldwide Coverage
  • Various other coverages

 Equipment Floater
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Equipment Floater Insurance

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or email below for more Equipment Floater information.

Equipment Floater Insurance