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Contact Us
Welcome to InsureMyEquipment.com, your one-stop destination for hassle-free insurance. Discover the convenience of managing your insurance needs online with us:
- Get a Quote: Instantly receive a tailored quote for your equipment insurance needs.
- Purchase a Policy: Secure your coverage swiftly and securely through our online platform.
- Renew Your Policy: Seamlessly renew your policy with just a few clicks.
- Certificates of Insurance (COIs): Access and download COIs instantly for your peace of mind.
- Update your Coverage: Make necessary adjustments to your coverage as your needs evolve.
- Update your Information: Keep your personal and equipment details up to date effortlessly.
- Request Cancellation: Easily initiate a policy cancellation request online.
Have additional questions? We’ve got you covered with our responsive support options:
- Contact Us Online: Utilize our convenient ‘Contact Us’ form on InsureMyEquipment.com.
- Email Support: Reach out to us anytime at [email protected].
- Phone Support: Give us a call at +1 (925) 448-2670 during business hours. If you miss us, rest assured that your voicemail will be promptly attended to.
*For updates or modifications to your Thimble General Liability policy, please contact (855) 940-4525 or email [email protected].
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Heffernan Insurance Brokers
Who are Heffernan Insurance Brokers?
InsureMyEquipment.com is a division of Heffernan Insurance Brokers.
Headquartered in Walnut Creek, California, Heffernan Insurance Brokers boasts a nationwide presence, providing a comprehensive array of business insurance, personal insurance, employee benefits, and financial services products to diverse businesses and individuals.
Founded in 1988, Heffernan has remained employee-owned and has achieved revenue exceeding $100 million primarily through organic growth and strategic acquisitions.
Heffernan has built its reputation and success through niche practice areas such as nonprofit, construction, healthcare, transportation, hospitality, food industry, real estate, and technology. With ten branch offices across the country and approximately 450 staff members, Heffernan serves virtually every industry.
Committed to people, Heffernan fosters a culture dedicated to meeting clients’ needs, protecting their valuable assets, and guiding smart decisions for their businesses or families.
Consistently ranked as one of the nation’s largest independent insurance brokerage firms, Heffernan has also been recognized on the insurance industry’s ‘Best Places to Work’ lists.
Heffernan is not only a leader in the insurance industry but also in philanthropy. Since 2003, Heffernan has been named a ‘Top Corporate Philanthropist’ and, on average, donates over 10 percent of profits to charity each year.
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InsureMyEquipment.com
About InsureMyEquipment.com
InsureMyEquipment.com originated as an idea in the early 2000s when the production industry sought to leverage the burgeoning world wide web to streamline their pre-production processes.
With no existing product meeting their requirements at the time, InsureMyEquipment.com was born. With over 20 years of operation, it proudly stands as one of the pioneering online portals for production insurance.
Departing from the traditional insurance model, InsureMyEquipment.com revolutionized the insurance purchasing process for professionals in the film and production industry. They could now conveniently access coverage online from their homes, sets, or while on the move.
Partnerships
InsureMyEquipment.com collaborates with reputable partners such as Intact Insurance and Atlantic Specialty Insurance (Rated A+ by A.M. Best) to offer customized coverage tailored for the unique needs of the production and entertainment industries.
Comprising a team of dedicated and knowledgeable insurance professionals, InsureMyEquipment.com is committed to assisting clients in obtaining the coverage they require.
For further inquiries or assistance regarding insurance solutions, please reach out to the team at InsureMyEquipment.com.
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Coverage Overview
Welcome to InsureMyEquipment.com, your premier destination for specialized insurance solutions tailored for the entertainment industries. Our range of policies is designed to provide comprehensive coverage for rented and owned equipment, general liability, musical instruments, and more. Conveniently purchase coverage online, 24/7, and access a suite of tools including generating Certificates of Insurance (COIs), modifying coverage, filing claims, and more, all from our user-friendly platform.
Rented Equipment Policy
Renting equipment for your productions? Our ‘Rented Equipment’ policy is the perfect solution, offering the necessary coverage and flexibility you need. Easily obtain a Certificate of Insurance (COI) to satisfy rental house requirements, including listing them as ‘Loss Payee’. If they also require ‘Additional Insured’ status, consider adding our General Liability policy to your coverage.
Owned Equipment Policy
Protect your owned or financed equipment with our tailored ‘Owned Equipment’ policy. This comprehensive option allows you to include ‘Rented Equipment’ coverage, streamlining your insurance needs into one policy for added convenience and peace of mind.
General Liability Policy
Need general liability coverage for your operations? Our General Liability policy, offered through our trusted partner, Thimble, provides the solution you need. Purchase coverage for short durations, ranging from a few hours to longer periods, and add rental houses as ‘Additional Insured’ to meet contractual requirements.
Musical Instrument Policy
Musicians, producers, and audio engineers, safeguard your musical instruments and sound recording gear with our specialized ‘Musical Instrument’ policy. Enjoy comprehensive coverage tailored to protect your valuable equipment against unforeseen risks.
For further information or assistance regarding our policies, explore our website or reach out to our dedicated team. We’re here to help you find the right insurance solutions for your unique needs.
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Get a Quote Guide
If you’re seeking a quick and hassle-free quote for insurance coverage, look no further than InsureMyEquipment.com. Our user-friendly platform allows you to obtain an instant, no-obligation quote tailored to your specific needs.
Rented Equipment Policies
- Short-Term: Starting at $165
- Annual: Starting at $340
Owned Equipment Policies
- Semiannual: Starting at $300
- Annual: Starting at $340
General Liability Policies
- Starting at just $5!
How to Get Your Instant Quote
- Visit InsureMyEquipment.com: Navigate to our website and click on ‘Get a Quote’.
- Select Your Coverage Type: Choose the type of coverage you’re looking for, whether it’s Rented Equipment, Owned Equipment, or General Liability.
- Complete Your Application: Follow the prompts to complete the insurance application. Our concise process spans only a few pages, ensuring a quick and efficient experience.
- View Your Quote: Upon completion of your application, you’ll receive a personalized insurance quote instantly. You can save it for future reference, make edits for a new quote, or proceed to payment for immediate coverage.
Important Note:
- Complex Needs or Higher Limits: If you have complex insurance needs or require a limit above $750,000, we recommend reaching out to our team with a few days’ lead time before your event or coverage requirement.
- Online Quote Only: Due to the customized nature of insurance quotes, we are unable to provide quotes via phone or email. We encourage you to utilize our online platform at InsureMyEquipment.com for a seamless quote process.
Don’t delay in securing the coverage you need. Visit InsureMyEquipment.com today to get your instant quote and protect your valuable assets with ease.
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Musical Equipment Policy
Our Musical Equipment Policy is designed to safeguard your musical instruments, recording and editing equipment, and related gear essential for music and sound production. Whether you’re a professional musician, studio owner, or audio engineer, our policy offers comprehensive coverage tailored to your unique needs.
Key Features
Customizable Coverage: Our policy is available on an annual basis and can be customized to suit your individual requirements. From equipment values to deductibles and coverage options, we provide flexibility to ensure your gear is adequately protected.
Global Protection: Enjoy peace of mind knowing that your equipment is covered worldwide, whether it’s in use, storage, or transit. Our policy safeguards against a wide range of risks, including theft, fire, earthquake, flood, acts of terrorism, smoke, water damage, falling objects, damage or loss in transit, accidental damages, and more.
Applying for a Musical Equipment Policy
Applying for coverage is quick and convenient with our online platform, available 24/7. Follow these simple steps to get started:
- Visit InsureMyEquipment.com: Navigate to our website and click on ‘Get A Quote’, then select ‘Musical Equipment’.
- Complete the Applicant Information Page: Provide your details to generate a personalized quote.
- Select Your Coverage Limits and Deductibles: Tailor the policy to your needs by choosing the coverage limits and deductibles that work best for you.
- Review Your Quote: Take a moment to review the details of your quote, ensuring that it meets your requirements.
- Save Your Quote: You have the option to save your quote for future reference or make edits to your application if needed.
- Submit Payment: Ready to proceed? Simply submit your payment to purchase coverage and protect your musical equipment without delay.
Why Choose Us
Expertise: With years of experience in insuring musical equipment, we understand the unique needs of musicians and sound professionals.
Flexible Options: Our policy offers flexibility and customization options, allowing you to tailor coverage to your specific needs and budget.
Apply online today!
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Owned Equipment Coverage
Protecting your valuable equipment is crucial, whether you’re a professional photographer, DJ, filmmaker, DP, editor, or hobbyist. Our Owned Equipment Coverage offers comprehensive and customizable protection for your personal gear, ensuring peace of mind whether it’s in use, storage, or transit, anywhere in the world. Additionally, our policy can be tailored to include coverage for rented equipment, whether you’re renting out your gear to others or renting gear from others.
Key Policy Features
Flexible Coverage Options: Our policy can be purchased for 6 months or a year, offering flexibility to suit your needs. Customizable limits, deductibles and more are available.
Affordable Rates: Enjoy some of the most competitive rates in the industry, with semiannual policies starting at $300 and annual policies starting at $340. We offer customizable deductibles to ensure that your coverage fits your budget.
Comprehensive Protection: Our policy covers a wide range of equipment from various causes of loss or damage, including accidental damage, damage or loss in transit, theft, fire, earthquake, theft from a vehicle, and more.
Covered equipment includes cameras, camera equipment, sound, lighting and grip equipment, communications equipment, portable electric equipment, editing and projection equipment, office personal property, generators, mechanical effects equipment, props, sets, wardrobes, dance equipment, musical instruments, recording and editing equipment, and similar production equipment.
Application Process
Applying for Owned Equipment Coverage is quick and convenient with our online platform
- Navigate to InsureMyEquipment.com and click ‘Get A Quote’, then select ‘Owned Equipment’.
- Fill in your personal or business information, then choose your desired coverage options.
- Review your quote and save it for future reference or proceed to payment to purchase your policy and get instant coverage!
Protect Your Equipment Today
Don’t leave your valuable equipment vulnerable to risk. Apply for Owned Equipment Coverage online, 24/7, and safeguard your gear with comprehensive protection tailored to your needs.
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Policy Renewal Guide
Renewing your annual policy with InsureMyEquipment.com is a seamless process designed to ensure continuous coverage for your valuable assets. Here’s everything you need to know to renew your policy:
Renewal Process Overview
- Online Renewal: Annual policies can be renewed conveniently online through our website, InsureMyEquipment.com.
- Renewal Notification: Approximately a few months before your policy expiration date, you’ll receive an email notification with a link to renew your policy.
Renewal Steps
- Access Your Dashboard: Log in to your account on InsureMyEquipment.com to access your dashboard.
- Renewal Link: Locate the renewal link available on your dashboard and click on it to initiate the renewal process.
- Complete Renewal Application: Follow the prompts to complete your renewal application accurately. You’ll have the opportunity to adjust coverage limits, add or remove scheduled equipment, modify deductibles, and more to tailor your policy to your current needs.
Important Considerations
- Timing: Avoid making adjustments to your current policy within 30 days of renewal. Instead, focus on generating a renewal application that reflects your desired coverage.
- New Policy Requirement: If you’re returning to the portal more than one year after your most recent policy, you’ll need to apply for a new policy rather than renewing the existing one.
Ensure uninterrupted coverage for your equipment by renewing your policy in a timely manner. If you have any questions or need assistance during the renewal process, don’t hesitate to reach out to our support team.
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Rented Equipment Coverage
Renting equipment is a common practice in the production industry, but ensuring that your rented gear is adequately covered is essential to protect against unforeseen damages or losses. Our ‘Rented Equipment’ policy is designed to provide comprehensive coverage for your rented gear while it’s in your possession, offering peace of mind and financial security.
Key Features
- Flexible Coverage Limits: Our on-demand coverage allows you to insure rental gear valued anywhere from a few thousand dollars up to $750,000. If you require higher limits, our customer support team is available to accommodate your needs.
- Short-Term or Annual Options: Whether you need coverage for a single rental or plan to rent equipment multiple times throughout the year, we offer flexible short-term and annual policy options to suit your requirements.
- Affordable Pricing: Enjoy extremely affordable pricing starting at $165 with adjustable coverage options tailored to fit your budget, making InsureMyEquipment.com the top choice for rented equipment coverage.
Coverage Details
Our policy provides comprehensive coverage for a wide range of rental equipment, including but not limited to:
- Cameras and camera equipment
- Sound, lighting, and grip equipment
- Communications equipment
- Portable electric equipment
- Musical instruments
- Editing and projection equipment
- Office personal property
- Generators used for production or events
- Mechanical effects equipment
- Props, sets, and wardrobes
Comprehensive Protection Worldwide
Coverage applies while the equipment is in use, storage, or transit, anywhere in the world. You can rest assured knowing that your rented gear is protected against various risks, including theft, fire, earthquake, accidental damage, damage or loss while in transit, water damage, falling objects, hail, smoke, terrorism, and more.
Easy Application Process
Applying for Rented Equipment Coverage is quick and convenient with our online platform
- Navigate to InsureMyEquipment.com and click ‘Get A Quote’, then select ‘Rented Equipment’.
- Fill in your personal or business information, then provide details about the coverage needed.
- Review your quote, save it for later, make edits as necessary, or proceed to payment.
- Upon purchase, you can immediately generate Certificates of Insurance (COIs) free of charge, with no limit on the number of COIs you can issue on-demand.
Protect Your Rental Investments Today:
Don’t risk being held liable for damages or losses to rented equipment. Apply for Rented Equipment Coverage online 24/7 and ensure that your rented gear is adequately protected against unexpected events.
Cancellation
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Cancel a Liability Policy
Liability policies can be cancelled or paused at any time!
To cancel your policy:
- Log in at Thimble.com
- Tap the ‘Cancel Policy’ button on a new policy (scroll all the way down)
- Or, find the policy you would like to cancel in the ‘My Policies’ section of your account
- Read the advisory text carefully and swipe or check the box to agree.
- Your policy will be cancelled effective the next hour and a refund will be instantly credited to the card used to purchase the policy
- If you cancel a policy that had not yet started, it will no longer incept.
- Please note that any Additional Insured with email addresses will be notified.
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Policy Cancellation Guide
If you need to cancel your policy, you can easily initiate the process online at InsureMyEquipment.com.
Here’s how to request a cancellation:
1. Access Your Dashboard
- Log in to your account on InsureMyEquipment.com and navigate to your Dashboard.
2. Request Cancellation
- Find the link to request a cancellation and follow the prompts to initiate the cancellation process.
- You’ll be prompted to provide the reason for your cancellation request.
- Once submitted, your request will be reviewed.
- If there is no Cancellation Link available, your policy type may not be eligible for cancellation. Reach out to [email protected] instead.
Cancellation Stipulations
Here are some important stipulations to consider:
- Annual Policies: Annual policies can be canceled at any time. However, if the policy term has already begun, a minimum amount of $470 will be withheld from any returned premium. Any amount above that will be pro-rated based on the date of the cancellation request.
- Short-Term Policies: Short-term policies can only be canceled if the policy term hasn’t yet begun.
- Certificates of Insurance: If short-term or annual policies have Certificates of Insurance issued, no rental equipment can have been picked up, and the insured must show proof of cancellation of the rental.
- Refund Process:
- If your cancellation refund is processed within 4 months of your original purchase, the refund will be applied back to the credit card you used to purchase coverage.
- If your cancellation refund is processed after 4 months of your original purchase, the refund will be sent via check to the address on file within 45 days of cancellation.
Requesting Cancellation
If you need to cancel for any reason, please use the request link in your dashboard, even if you don’t think you may be eligible for cancellation or refund.
Certificates of Insurance
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Additional Insured Requirement
Many businesses or venues require being listed as an “Additional Insured” on your General Liability policy. This ensures they are protected under your insurance for any liabilities related to your business activities.
Note that one cannot be listed as “Additional Insured” on a rented equipment policy.
How to Obtain General Liability Coverage
We’ve partnered with Thimble to offer flexible General Liability coverage options, available for short-term or monthly periods at an affordable rate. You can apply for coverage easily through our platform.
Flexibility
- Coverage Duration: General Liability policies can be purchased for as short as a few hours or on a monthly basis.
- Location Restrictions: Please note that coverage is not available in Washington.
How to Apply
- Visit our Website:
- Go to InsureMyEquipment.com and click on ‘Get a Quote’.
- Select ‘General Liability’.
- Enter Your Details:
- Provide your business zip code and primary type of work.
- Choose Coverage Options:
- Select your desired coverage duration and additional options if needed.
- Set Dates and Review:
- Choose your start and end dates, then review your quote.
- Complete the Purchase:
- Confirm your coverage details, sign up, and make your purchase.
Adding Additional Insureds
You can add Additional Insureds to your policy either before or after purchase. Provide the necessary details, including the company name, email, and address, to ensure comprehensive protection.
Need Help?
For further assistance, visit our Help Center.
For inquiries related to your Thimble policy, please contact Thimble directly at 855-940-4525.
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A Certificate of Insurance (COI) is a statement of coverage detailing your policy limits, deductibles, and coverage terms. It extends your policy coverage to the listed Certificate Holder. For example, a COI from a rented equipment policy covers the certificate holder’s gear while in your possession. For a General Liability policy, the certificate holder is listed as an Additional Insured, protecting their interests under your policy.
Why You Need a COI
Rental houses, locations, and vendors often require a COI before releasing gear or allowing filming on their premises. Through InsureMyEquipment.com, you can easily obtain COIs 24/7, listing your vendors as Loss Payee and Additional Insured.
How to Issue a Certificate from Your Dashboard
- Log In:
- Go to InsureMyEquipment.com and log in to your account.
- Access Your Dashboard:
- Click on your Dashboard.
- Create a New Certificate:
- Click ‘Create a COI’
- Select or Create Certificate Holder:
- Choose a company you have worked with before, a company from the drop-down menu, or click ‘Create New Certificate Holder’.
- Enter Details:
- Provide the Certificate Holder’s name, address, and email, then click Submit.
- COI Delivery:
- The COI will be emailed to the Certificate Holder, listing them as a Loss Payee under your policy.
Important Points to Note
- International and Special Circumstances:
- For COIs needed for rental houses or locations outside the United States, or for financing companies requiring special wording (including leased equipment and agreement numbers), contact [email protected].
- Sample COI Review:
- If you have a sample COI and want to check if our coverage meets the requirements, reach out to us. Note that we cannot fulfill requirements for Umbrella Coverage, Worker’s Comp, and Auto Liability.
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Leased/Financed Equipment
If you are financing or leasing equipment through a bank or other institution, you will need to provide proof of coverage. If you do not, the institution may purchase insurance on your behalf, often at a higher cost.
How to Insure Your Leased/Financed Equipment
- Apply for the Owned Equipment Policy:
- This policy will cover your leased or financed gear.
- Generate a Certificate of Insurance (COI):
- After purchasing your policy, you must generate a COI for the financing company, which includes your lease number and the specific equipment you are leasing or financing.
- Click here to learn more about requesting a custom COI.
Adding Custom Wording to a COI
Sometimes, companies require specific information to be listed in the ‘Description of Operations’ or ‘Comments’ sections of a Certificate of Insurance. This customization is possible, but it cannot be done online.
To request custom wording on your COI, please follow these steps:
- Email Us:
- Send an email to [email protected] with the following information:
- Subject: Custom COI
- Body:
- Your policy number and name
- Company name, address, email, contact name
- Specific wording required in the ‘Description of Operations’ section
- Send an email to [email protected] with the following information:
- Forward Relevant Emails:
- Alternatively, you can forward the email you received from the financing company or institution that includes the insurance requirements and custom description wording.
- Processing Time:
- Allow up to 24 business hours for custom COI requests.
Important Information
- General Liability Coverage:
- If a rental house requires you to be listed as ‘Additional Insured’, you must have General Liability coverage in addition to property coverage.
- You can apply for short-term or monthly general liability coverage online at InsureMyEquipment.com.
- After purchasing this secondary policy, you can generate an instant COI.
For any additional questions or assistance, please contact our support team at [email protected].
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Custom Wording on Certificates of Insurance
In certain situations, you may need to add custom wording to your Certificate of Insurance.
For example: financing or leasing institutions often require that your lease/contract number and leased equipment is explicitly on your policy, and some rental houses require that you add additional specific wording in the ‘Description of Operations’ section on a COI.
How to Customize the Wording on Your COI
To request a custom COI with special wording, follow these steps:
- Email Us:
- Send an email to [email protected] with the following information:
Subject: Custom COI
Include:
Your policy number and name
Rental House or Certificate Holder Information (Name, Address, Email, Contact Name)
Specific wording required in the ‘Description of Operations’ section
Alternatively, you can forward the email you received from the rental house or financial institution that includes the above information. This can help ensure accuracy and expedite the process.
Important Note
It may take up to 24 business hours to return a customized Certificate of Insurance. Please plan accordingly to avoid any delays in your transactions.
For any additional questions or assistance, feel free to contact our support team at [email protected].
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Obtaining an International COI
When traveling for productions, you may need to rent additional gear outside of the country. InsureMyEquipment.com provides coverage for your international rental house partners.
How to Obtain an International Certificate of Insurance (COI)
After purchasing your rented equipment policy, you will notice that the system does not allow you to enter an international address when generating a COI. This is because our team needs to assist you with this process.
Steps to Request a COI for an International Rental House
- Contact Support: Email our support team at [email protected] with the subject line “Request for International Certificate of Insurance.”
- Include Travel Details: In the email body, provide your travel plans, the rental location, and the approximate value of the rented gear.
- Rental House Information: Include the rental house’s name, physical address, and the contact person’s email address.
Lead Time
- Minimum Turnaround: Please allow at least one business day for processing.
- Recommendation: Contact our support team as early as possible to ensure timely assistance.
Important Notes
- Eligibility: This service is available only to individuals who reside in the United States for most of the calendar year, have a permanent US address, and are traveling abroad temporarily.
- Ineligibility: Coverage does not apply to individuals who live abroad.
For further assistance, feel free to reach out to our support team at [email protected].
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Loss Payee
What is a Loss Payee?
A Loss Payee is a party listed on your property (inland marine) policy who is entitled to receive payment in the event of a claim for lost, stolen, or damaged equipment. This is particularly relevant in the production equipment industry, where equipment is frequently rented from various rental houses, individuals, companies, or locations.
Adding a Loss Payee on a Certificate of Insurance (COI)
When renting production equipment, you will typically be required to list the rental party as a “Loss Payee” on your property policy. This designation ensures that if a claim is filed for their equipment while in your possession, the Loss Payee will receive the payment directly.
Steps to Add a Loss Payee
- Applicable Policies:
- The Loss Payee designation applies only to property policies (also known as Inland Marine policies), such as:
- The Rented Equipment policy.
- The Owned Equipment policy, if rented equipment coverage has been added.
- The Loss Payee designation applies only to property policies (also known as Inland Marine policies), such as:
- Generate a COI:
- On either the Rented Equipment policy or an Owned Equipment policy with added rented equipment coverage, you can generate a Certificate of Insurance listing your vendor as a Loss Payee.
- Information Needed:
- To list a Loss Payee, you will need the following information:
- Company Name
- Company Address
- Email Address
- To list a Loss Payee, you will need the following information:
Example Scenario
For instance, if you rent production equipment from a rental house for a shoot, you must ensure that the rental house is listed as a Loss Payee on your property policy. This means that if the equipment is lost, stolen, or damaged during your rental period, the rental house will receive the insurance payment directly, thus fulfilling your contractual obligation to them.
For any additional questions or assistance, please contact our support team at [email protected].
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Rental House Rejecting a Certificate of Insurance
There are various reasons why a rental house may reject a Certificate of Insurance (COI) you have generated for them. Whether the coverage isn’t sufficient or there are other specific requirements, here is how to approach this:
Common Reasons for Rejection and Solutions
- Increased Coverage Requirements
- Increased Replacement Cost Limit, Theft from Unlocked Vehicle, or Extended Coverage Term:
- If the rental house is asking for these changes, you can easily update your policy from your online dashboard at InsureMyEquipment.com. Once updated, generate a new Certificate of Insurance to reflect the enhanced coverage.
- Increased Replacement Cost Limit, Theft from Unlocked Vehicle, or Extended Coverage Term:
- Incorrect Company Listing
- Company Name on the COI:
- If the rental house requires a different name listed, you can generate a new Certificate of Insurance with the correct information from your dashboard. This will not incur any additional premium. Log in at InsureMyEquipment.com, go to your Dashboard, and click ‘Issue a Certificate’. Instead of selecting the rental house from the drop-down menu, click ‘Create New Certificate Holder’ and enter the requested information.
- Company Name on the COI:
- Additional Insured Requirement
- General Liability Coverage:
- If the rental house requires being listed as an Additional Insured, you will need General Liability coverage in addition to the existing property (inland marine) coverage. This can be added through InsureMyEquipment.com. Click ‘Get a Quote’, then ‘General Liability’, and apply for short-term coverage to match your rental dates. Liability coverage starts as low as $10. After purchasing the policy, generate a new Certificate of Insurance listing them as Additional Insured from your Thimble.com dashboard.
- General Liability Coverage:
- Additional Coverage Requirements
- Worker’s Compensation, Umbrella Liability, Auto-Liability, or Physical Auto Coverage:
- If these coverages are required, your current policy will not be sufficient. Confirm with the rental house if these additional coverages are mandatory. If so, request a policy cancellation from your dashboard and seek a package production policy elsewhere. InsureMyEquipment.com offers Rented Equipment (inland marine/property) coverage and General Liability coverage but does not offer Auto-Liability, Umbrella Liability, Worker’s Comp, or Auto Physical Damage coverage.
- Worker’s Compensation, Umbrella Liability, Auto-Liability, or Physical Auto Coverage:
- Non-Acceptance of Online Insurance or InsureMyEquipment.com Insurance
- Non-Acceptance of Provider:
- If the rental house does not accept insurance from InsureMyEquipment.com, you can cancel and request a refund. Go to your dashboard, request cancellation, and state the reason. Our team will respond promptly.
- Non-Acceptance of Provider:
For any assistance or further questions, please contact our support team at InsureMyEquipment.com.
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Renting from Multiple Vendors
It is common to use several rental houses to supply the gear needed for a shoot. Rest assured that your single rented equipment policy will cover all rentals. There is no need to purchase multiple policies for different rentals.
Ensuring Coverage for Multiple Rentals
Step-by-Step Guide:
- Calculate Total Replacement Cost:
- Determine the total replacement cost value of all rentals combined. For example:
- Renting $10,000 in lighting equipment from Rental House 1
- Renting $25,000 in camera equipment from Rental House 2
- Renting $5,000 in sound equipment from Rental House 3
- The total replacement cost for all rentals is $40,000.
- Determine the total replacement cost value of all rentals combined. For example:
- Apply for a Sufficient Policy:
- Apply for a rented equipment policy with a limit that covers the total replacement cost value (in this example, $40,000). This ensures that if a total loss event occurs, your coverage will be sufficient to cover losses from all rental houses.
- Generate Multiple COIs:
- You can generate multiple Certificates of Insurance (COIs) for each rental vendor under a single policy. There are no additional charges for generating multiple COIs.
Key Points to Remember
- One Single Policy: A single rented equipment policy will cover all your rentals.
- Multiple COIs: Generate as many COIs as needed for different vendors.
- No Additional Charges: There are no extra costs for adding multiple rental vendors.
This approach also applies if you are renting from multiple individuals on a peer-to-peer platform or in general.
For any additional questions or assistance, please contact our support team at [email protected].
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Certificates for ShareGrid
Verify Your Coverage with ShareGrid
Before processing your rental, ShareGrid requires proof of coverage. You can easily provide this proof from your InsureMyEquipment.com dashboard at any time by issuing a Certificate of Insurance.
Steps to Provide Proof of Coverage:
- Access Your Dashboard:
- After purchasing a policy, log in to your InsureMyEquipment.com account and go to your dashboard.
- Issue a Certificate:
- Click on the link labeled ‘Issue a Certificate’.
- Select ShareGrid:
- Choose ‘Send a Certificate of Insurance to a Rental House Partner’.
- Select ShareGrid from the drop-down menu.
- Send the Certificate:
- Click ‘Continue’.
- ShareGrid will automatically receive your Certificate of Insurance and should verify your coverage immediately.
If ShareGrid indicates that they are waiting for an agent response, inform them that you have already generated a Certificate of Insurance from InsureMyEquipment.com. They should not require any further action from you.
For any additional questions or assistance, please contact our support team.
Claims
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Claims Process Guide
Navigating the claims process is a pivotal aspect of ensuring your peace of mind in the unpredictable world of equipment use. Whether facing a damaged lens, a stolen camera bag, or a water-damaged laptop, our aim is to provide swift resolution and restore your equipment’s integrity. Here’s a comprehensive overview of what you can expect:
1. Submitting a Claim Online
- For theft or burglary claims, securing a police report in the local jurisdiction is essential.
- Access your dashboard and click on the ‘Submit a Claim’ link to initiate the process.
- Fill out the claim application comprehensively and submit it promptly.
2. Claims Adjuster Assignment
- Within 2 business days of claim submission, a dedicated claims adjuster will be assigned to your case.
- Expect communication via email and phone from your claims adjuster, so be vigilant in monitoring both channels.
3. Documentation Required
- Prepare the necessary documents and information for your claims adjuster, including:
- Detailed list of equipment subject to claim.
- Incident explanation.
- Police report (for theft, burglary, or criminal events).
- Proof of purchase.
- Repair invoice (if applicable).
- Rental contract (if applicable).
4. Covered Causes of Loss
- Our policy covers a broad spectrum of risks, including theft, accidental damage, damage or loss while in transit, fire, earthquake, flood, acts of terrorism, and more. Refer to your policy document for comprehensive coverage terms.
5. Exclusions to Note
- Certain exclusions apply, such as consequential loss, governmental action, wear and tear, and theft from an unlocked vehicle unless specified in your policy.
- Coverage for equipment while afloat or underwater is excluded unless explicitly added to your policy.
6. Important Information
- Deductibles apply to each claim event, with the highest deductible applicable.
- If the claim involves rented equipment, you are expected to pay the deductible amount directly to the rental house or certificate holder
- Promptly report theft, burglary, or other criminal acts to the police and obtain a valid police report.
- Document forcible vehicle entry with photographs if applicable.
- If damage occurs in transit, notify the courier or airline in writing promptly.
- Safeguard damaged equipment and take necessary steps to mitigate further loss or damage to protect your rights under the policy.
7. Additional Requirements
- Be prepared for potential requests for additional documentation or investigations to determine the extent of loss or damage.
In the face of adversity, rest assured that our priority is your satisfaction and equipment restoration. Should you require further assistance or clarification at any stage of the claims process, our dedicated team is here to guide you through with expertise and care.
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Deductibles
A deductible plays a crucial role in insurance, representing the amount withheld from any claim payment and what you’re required to contribute towards any covered claim loss. Here’s a breakdown to help you grasp the concept:
Application of Deductibles
- The highest applicable deductible is applied in each claim scenario
- For example, if you experience a theft from your vehicle while in another country, please consider your special deductibles. If your deductible for theft from a vehicle is $5,000 but your international deductible is $1,000, the $5,000 deductible will apply in this case.
- Deductibles are applied per claim, not per policy period or item.
- For claims involving rented equipment, you are responsible for paying the deductible amount directly to the rental house or certificate holder.
Deductible Options
- Adjusting deductibles during the coverage application process can influence your premium. Opting for higher deductibles can result in a discount, while lower deductibles may increase the premium.
- Carefully consider the amount you’re comfortable paying out of pocket in the event of damage or loss.
Available Deductibles
Standard Domestic Deductible Options:
- $250, $500, $1,000, $2,500, and $5,000.
International Deductible Options:
- $500, $1,000, $2,500, and $5,000.
Theft from a Vehicle Deductible Options:
- $500, $1,000, $2,500, and $5,000.
For further details or assistance in selecting deductibles suitable for your needs, please contact our support team.
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Loss Runs
When applying for a new insurance policy, your broker may request a “Loss Run” document. This document provides a record of any claims you have made in the past five years, along with any payouts associated with those claims. Even if you haven’t made any claims, you may still need to provide a loss run document as part of your application.
While we do not require loss run documents, we are happy to provide one if you need it for shopping for coverage elsewhere.
To request your loss run document, simply email us at [email protected]. You can expect to receive the document within 1-3 business days.
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Valuation
Valuation is a fundamental concept in insurance, representing the financial assessment of the worth of an item. Here’s a comprehensive overview to help you understand valuation and its implications in your insurance coverage:
Policy Valuation Basis
- Your policy values equipment on a Replacement Cost basis. This means that coverage extends to the cost of repairing, rebuilding, or replacing lost or damaged property with items of the same or similar kind and quality.
Claim Settlement
- In the event of a claim requiring repair or replacement, reimbursement is provided only after the property has been repaired or replaced.
- For personal gear claims, you have the option to settle on an ‘Actual Cash Value’ basis instead of Replacement Cost. Under this valuation basis, you initially receive 80% of the repair or replacement cost. Upon providing proof of repair or replacement, the remaining 20% is reimbursed.
How to Value Equipment
- Assess the current market rate of the item you own or rent, considering the same make and model. The claims adjuster may adjust your declared replacement cost accordingly.
- For example, if you purchased a camera in five years ago for $4,000, and its current market value (same make and model) is $2,500, the replacement cost value would be $2,500.
- If you are making a claim for rented equipment, the rental house will be able to provide you with the value of the gear upon request.
Coverage
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Auto Coverage: Non-Owned / Hired Auto Liability & Physical Damage
You may be required to show proof of non-owned/hired auto liability coverage for activities such as shooting from a vehicle, loading or unloading expensive equipment, or renting a vehicle or trailer. At InsureMyEquipment.com, we offer this coverage on an annual basis through an Annual Business Owner’s Policy with Thimble.com. However, if you need short-term coverage, here are some providers that can help:
Where to Purchase Short-Term Non-Owned / Hired Auto Liability Coverage
- MovieInsure.com:
- [email protected] may be able to provide a quote for this coverage.
- Progressive Commercial:
- Progressive provides a range of commercial auto insurance policies, including non-owned and hired auto liability coverage.
- Nationwide:
- Nationwide offers commercial auto insurance that can include non-owned and hired auto liability coverage.
- The Hartford:
- The Hartford provides comprehensive business insurance solutions, including non-owned and hired auto liability coverage.
- Thimble:
- Thimble specializes in short-term insurance for small businesses, including coverage for non-owned and hired autos.
- Website: Thimble Insurance
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How to Obtain Coverage Beyond $750,000
Encountering the need to insure equipment valued above $750,000 can be a common scenario in the entertainment industries. While our online platform offers coverage up to this maximum limit, acquiring coverage beyond this threshold is indeed feasible. However, it requires a slightly different approach. Here’s a step-by-step guide on how to obtain your quote for rented equipment coverage above $750,000:
1. Initial Application
- Begin by submitting an application for the maximum amount allowed online, which is $750,000.
- Once you’ve completed the application and received your quote, be sure to click ‘Save Quote’.
2. Contact Support
- Reach out to our dedicated support team at [email protected].
- Provide comprehensive answers to the following questions:
- Total value of rented equipment you wish to cover.
- Desired coverage dates.
- Purpose or event for the rental.
- List any individually rented items valued over $150,000.
- Location of the event.
- Storage arrangements during the rental period.
- Measures for equipment protection during use, storage, or transit.
- Transportation details.
- Include a copy of your rental invoice from the rental house.
3. Submission and Review
- Allow one to two business days before your coverage is needed. Our team will submit your application to the insurance carrier for review and approval.
4. Quote and Payment
- If the request is approved, you will receive a quote and payment link to finalize the process.
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Coverage in Transit: Shipping Your Gear
When you purchase coverage at InsureMyEquipment.com, your gear is protected whether it is in use, storage, or transit. This includes coverage during shipping by courier services such as UPS, FedEx, and others. There is no need to purchase additional coverage for these situations.
What Our Transit Coverage Includes:
- Shipping by Courier: Your gear is covered while being shipped by courier services like UPS, FedEx, and similar providers.
- Air Travel: Your gear is protected during air travel, whether it is checked in or carried overhead.
- Transit in a vehicle: If your gear is lost, stolen or damaged, while in course of being driven in a vehicle, coverage applies.
With InsureMyEquipment.com, you can have peace of mind knowing your equipment is covered during transit, ensuring continuous protection wherever your gear goes.
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Deductibles
A deductible plays a crucial role in insurance, representing the amount withheld from any claim payment and what you’re required to contribute towards any covered claim loss. Here’s a breakdown to help you grasp the concept:
Application of Deductibles
- The highest applicable deductible is applied in each claim scenario
- For example, if you experience a theft from your vehicle while in another country, please consider your special deductibles. If your deductible for theft from a vehicle is $5,000 but your international deductible is $1,000, the $5,000 deductible will apply in this case.
- Deductibles are applied per claim, not per policy period or item.
- For claims involving rented equipment, you are responsible for paying the deductible amount directly to the rental house or certificate holder.
Deductible Options
- Adjusting deductibles during the coverage application process can influence your premium. Opting for higher deductibles can result in a discount, while lower deductibles may increase the premium.
- Carefully consider the amount you’re comfortable paying out of pocket in the event of damage or loss.
Available Deductibles
Standard Domestic Deductible Options:
- $250, $500, $1,000, $2,500, and $5,000.
International Deductible Options:
- $500, $1,000, $2,500, and $5,000.
Theft from a Vehicle Deductible Options:
- $500, $1,000, $2,500, and $5,000.
For further details or assistance in selecting deductibles suitable for your needs, please contact our support team.
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Drone Coverage
Video/photo drones are specialized unmanned aerial vehicles (UAVs) designed primarily for capturing high-quality aerial imagery and video footage. Equipped with advanced cameras and stabilization systems, these drones are popular in various industries, including filmmaking, photography, real estate, and journalism.
Regulation and Coverage
Drone usage is regulated by the Federal Aviation Administration (FAA), which establishes guidelines and rules to ensure safe and lawful operation.
At InsureMyEquipment.com, our drone coverage applies only when your drone is not in operation. If your drone sustains damage while in operation, a different policy specifically designed for drone coverage will be required. For operational drone coverage, we recommend checking out SkyWatch.AI.
When Our Coverage Applies
If your drone is insured with InsureMyEquipment.com, you can expect coverage for incidents occurring when the drone is not in operation. This includes scenarios such as:
- Theft
- Damage in a vehicle accident
- Damage in transit
- Other non-operational damages
For comprehensive protection of your drone, consider both non-operational coverage with InsureMyEquipment.com and operational coverage through a specialized provider like SkyWatch.AI.
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Exclusions
Exclusions define specific situations or occurrences where equipment damage or loss is not covered by your policy. While your policy offers comprehensive coverage for most common causes of loss or damage, it is essential to be aware of these exclusions.
Key Exclusions:
- High-Value Rentals and Ownership:
- If you rent an item individually valued above $150,000, you must note this on your policy for coverage to apply.
- If you own items valued above $2,000, you must explicitly list them on your policy for coverage. Newly acquired items over $2,000 must be listed within 90 days, or they will be excluded from coverage.
- Rental Income Limitations:
- If you rent out your owned equipment, it is not covered unless rental income constitutes less than 25% of your gross annual income. Rentals should remain a side business rather than your core business.
- Theft from an Unlocked Vehicle:
- This is specifically excluded unless you have added special coverage for it while applying online. You can also add this coverage post-purchase.
Additional Specific Exclusions:
- Equipment breakdown due to wear and tear.
- Deterioration.
- Hidden or latent defects (manufacturer’s defects).
- Equipment intentionally afloat, submerged, or underwater (unless the Water Use endorsement is added).
- Seizure or destruction of property by order of governmental authority.
- Illegal transportation or trade.
- Illegally obtained equipment.
- Fine art repairing or restoration.
- Intentional acts or dishonesty.
- Remote-controlled aircraft while in operation.
- Drones while in operation (Drones are covered when not in operation).
- Theft from an unlocked vehicle (unless Theft From Unlocked Vehicle coverage is added).
Claim Incidents Excluded in Certain Conditions:
- Incidents occurring in countries sanctioned by the US State Department.
- Loss or damage caused by dampness, dryness, or extreme temperatures.
- Loss or damage due to negligent work.
- Nuclear hazards.
- Loss or damage caused by pollutants.
- Loss or damage due to rust, oxidation, corrosion, or discoloration.
- Loss or damage from unauthorized transfers.
- Loss or damage due to war and military action.
Conclusion
Understanding these exclusions is crucial to ensure that you have the appropriate coverage for your equipment. If you have any questions or need to adjust your policy to include additional coverage, please contact our support team.
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False Pretense Coverage
As fraud continues to rise in the equipment rental industry, it is crucial to stay vigilant when renting out your valuable gear. To protect against theft by renters, consider adding ‘False Pretense’ coverage to your owned equipment policy. Also known as ‘Voluntary Parting’ coverage, this optional insurance reimburses you if your equipment is stolen by a renter who obtained it under false pretenses and failed to return it.
Why Add False Pretense Coverage?
- Protection Against Fraud: Safeguard your gear from being stolen by deceitful renters.
- Peace of Mind: Ensure that you are covered if a renter fails to return your equipment.
Requirements for Coverage
To qualify for False Pretense coverage, the following conditions must be met:
- Equipment Coverage: The equipment you are renting out must already be covered under your policy limit.
- Written Contract: You must have a written agreement in place with the renter, detailing:
- Equipment being rented
- Rental duration
- Full names and contact information of both parties
- A clause stating that the renter assumes full responsibility for any loss, damage, or theft of the equipment while in their possession.
Coverage Details
- Coverage Limit: The maximum online limit for False Pretense coverage is $50,000.
- Deductible: A deductible of 5% of the loss value applies, with a minimum deductible of $500 and a maximum of $5,000.
How to Add False Pretense Coverage
While Applying for Coverage:
- When completing your insurance application, answer ‘Yes’ to the question about renting your gear to others.
- Select your desired coverage limit when prompted.
After Policy Purchase:
- Log in to your InsureMyEquipment.com account and go to your dashboard.
- Click the link to ‘Modify Coverage’.
- Add False Pretense coverage with your desired limit.
Additional Recommendations
We highly recommend reviewing the Fraud Prevention Guidelines before renting out your gear to ensure you take all necessary precautions to prevent theft.
Protect your valuable equipment and ensure you are covered against fraudulent renters by adding False Pretense coverage to your policy today. If you have any questions or need further assistance, please contact [email protected].
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Inland Marine Coverage
Inland Marine insurance is a specialized form of coverage designed to protect movable property. The term “Inland Marine” might sound a bit outdated, but it has a rich history that dates back to the early days of insurance.
The Origins of Inland Marine Insurance
The concept of Inland Marine insurance originated from traditional Marine insurance, which was designed to cover ships and their cargo while at sea. As trade expanded, the need to insure goods while they were transported over land became apparent. This led to the creation of Inland Marine insurance, which initially covered the cargo once it was offloaded from ships and transported to its final destination overland.
Evolution of Inland Marine Coverage
Over time, Inland Marine insurance evolved to cover a wide variety of movable property. Today, it provides protection for items that are frequently moved or have a unique value that standard property insurance might not adequately cover. This can include items like:
- Production equipment
- Musical instruments
- Photography and film equipment
- And other property
Inland Marine Policies at InsureMyEquipment.com
At InsureMyEquipment.com, all our policies, except for General Liability coverage, are Inland Marine policies. This includes our policies for rented, owned, and musical equipment. These policies ensure that your valuable equipment is protected whether it’s stationary or on the move.
If you have any questions about Inland Marine coverage or need assistance selecting the right policy for your needs, please don’t hesitate to contact us. We’re here to help ensure your equipment is covered no matter where it goes.
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Worldwide Coverage
Our equipment policies include worldwide coverage. As long as you are a resident of the United States and the equipment originates within the United States before traveling abroad, your coverage extends globally.
Key Points About Worldwide Coverage:
- Sanctioned Countries:
- Coverage does not apply in any countries currently sanctioned by the US State Department. You can find a current list of those countries and entities here.
- International Deductible:
- When abroad, a special deductible applies to all claims. This is called the international deductible, with options ranging from $500 to $5,000.
- US Residency Requirement:
- Coverage does not apply if you do not have a permanent mailing address within the United States. You must reside in the US for the majority of the calendar year and bring your equipment outside of the country for the coverage to apply.
- General Liability Coverage:
- General Liability coverage does not extend outside of the United States.
- Renting Equipment Abroad:
- If you plan to rent equipment while abroad, please contact our team at [email protected] to obtain a special Certificate of Insurance (COI) at least 3 business days before your insurance need.
- Non-Travel Policy Discount:
- If you do not plan to travel during your policy term, answer NO to that question on the application. Be sure to increase your international deductible to $5,000 to receive a discount on your policy payment. Note that international coverage cannot be removed outright.
For any questions or further assistance regarding worldwide coverage, please reach out to our support team.
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Loss of Use Coverage
Overview
This optional coverage is available for any policy that includes Rented Equipment coverage. Whether you have a short-term rented equipment policy or an annual owned equipment policy with a rented equipment limit, you will have the option to purchase ‘Loss of Use Coverage’.
What is Loss of Use Coverage?
Loss of Use Coverage reimburses a rental house or certificate holder if their rented gear is lost, stolen, or damaged in a covered incident by you, the insured. If this causes them to cancel subsequent rentals, the lost rental income can be charged to you. This coverage will pay for those lost fees.
A small group of rental houses requires this coverage, while most do not. The optional coverage involves an additional premium, which will be specified on your quote.
Adding Loss of Use Coverage at Policy Purchase
- Complete Your Application: During the insurance application process, select the limit you desire for Loss of Use Coverage.
- Payment and Activation: Upon payment, your coverage will be activated.
Adding Loss of Use Coverage After Policy Purchase
- Log In: Visit InsureMyEquipment.com and log in to your account.
- Access Dashboard: Navigate to your Dashboard.
- Modify Coverage: Click ‘Edit Policy Options or Increase Coverage’ or ‘Modify Coverage Period and Amount’.
- Select Coverage Limit: Choose your new Rental House Loss of Use coverage limit.
- Submit and Pay: Click Submit and complete the payment process.
- Policy Update: Your policy limit and coverage will update automatically.
- Generate New Certificate: Create a new Certificate of Insurance (COI) for the rental house or individual you are working with (if applicable).
By following these steps, you can ensure that your rental house is compensated for lost rental income due to covered incidents, providing peace of mind and meeting any rental house requirements.
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Musical Equipment Coverage
Our policy provides comprehensive coverage for your owned musical instruments, as well as recording and editing equipment.
About Musical Equipment Policies
- Annual Policy Coverage:
- Customize your insurance limit, with a maximum online limit of $500,000.
- Enjoy worldwide coverage while your equipment is in use, storage, or transit.
- Additional Coverage Options:
- Water Use Coverage: Protection for your gear while on a boat, cruise, etc.
- Theft from an Unlocked Vehicle: Secure your gear against theft even from unlocked vehicles.
- Rental Reimbursement: Covers the cost of renting comparable gear if your equipment is lost, stolen, or damaged.
- Discounts: Available for Dance Entertainment Groups.
What the Policy Covers
- Equipment Covered:
- Musical Instruments
- Recording and Editing Equipment
- Similar equipment involved in music production
- Covered Causes of Loss or Damage:
- Theft, Fire, Earthquake, Flood, Acts of Terrorism, Smoke, Water Damage, Falling Objects, Equipment in Transit, Lightning, Explosion, Windstorm, Hail, Accidental Damages (scratches, dropping, etc.), and more.
Deductible Information
- Standard Domestic Deductibles: Choose from $250, $500, $1,000, $2,500, and $5,000.
- International and Theft from Vehicle Deductibles: Ranging from $500 to $5,000, determined by the policyholder.
Scheduling Equipment
- High-Value Equipment: Items valued above $2,000 must be scheduled on the policy. List each item with its make, model, replacement cost, and serial number if applicable.
- Unscheduled Equipment: Items valued below $2,000 can be grouped under the Unscheduled (blanket) limit without requiring individual details.
International Coverage
- Worldwide Coverage: Applies in countries not sanctioned by the US OFAC. Check the current list here.
- Equipment Origin: Must originate within the United States and be brought abroad for coverage to apply.
- Residency Requirement: Coverage does not extend to individuals living outside the United States for most of the calendar year.
Payment and Pricing
- Policy Cost: Annual policies start at $340.
- Quotes: View a quote immediately after completing your application with no obligation to purchase.
- Payment: Full payment required via major US credit card; no payment plans are offered.
Claims and Valuation
- Submitting Claims: File a claim anytime from your online dashboard at InsureMyEquipment.com.
- Claim Payouts: The insurance carrier will either pay the replacement cost value of the lost or damaged equipment or cover the cost of repairs.
For further assistance or inquiries, please reach out to our support team.
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Our Owned Equipment policy is designed to cover your owned production equipment, as well as financed, leased, and rented gear.
About the Owned Equipment Policy
- Policy Term Options: Available for a 6-month or annual term.
- Coverage Limit: Cover your owned or rented gear up to $750,000. For higher limits, please contact us.
- Worldwide Coverage: Applies while the equipment is in use, storage, or transit.
Optional Coverages:
-
- Rented Equipment: Covers equipment you rent to others and equipment you rent from others.
- Rental House Loss of Use Coverage: Reimburses a rental house for lost income if their rental equipment is lost, stolen, or damaged in a covered claim incident while in your possession.
- Rental Reimbursement: Reimburses you for rental fees if your gear is lost, stolen, or damaged in a covered claim incident and you need to rent equipment in the meantime.
- Water Use Coverage: Extends coverage to your gear while afloat (on a boat, barge, cruise, etc.) or used underwater in special underwater housing.
- False Pretense Coverage: Protects your gear if rented under false pretenses and subsequently stolen.
- Theft from Unlocked Vehicle Coverage: Reimburses you if your gear is stolen from a vehicle with no signs of forcible entry.
What This Policy Covers
- Covered Equipment:
- Cameras, camera equipment, sound, lighting and grip equipment, communications equipment, portable electric equipment, editing and projection equipment, office personal property, generators, mechanical effects equipment, props, sets, wardrobes, dance equipment, similar personal property and related production equipment, musical instruments, recording and editing equipment, and similar equipment involved in music production.
- Covered Causes of Loss:
- Theft, Fire, Earthquake, Flood, Acts of Terrorism, Smoke, Water Damage, Falling Objects, Equipment in Transit, Lightning, Explosion, Windstorm, Hail, Accidental Damages (scratches, dropping, etc.), and more.
- Policy Exclusions to Note:
- Acts or decisions, consequential loss, dampness, dryness, or extremes of temperature, dishonesty, false pretense (voluntary parting), governmental action, hidden or latent defect, mechanical breakdown, insects, vermin, negligent work, nuclear hazard, pollutants, rust, oxidation, corrosion or discoloration, unauthorized transfer, war or military action, wear and tear.
- Maximum per claim limit of $25,000 while in Mexico, unless you increase the Mexico limit.
- Maximum limit of $100,000 for equipment while in a vehicle.
Deductibles
- Standard Domestic Deductibles: Choose from $250, $500, $1,000, $2,500, and $5,000.
- International Deductibles and Theft from Any Vehicle Deductible: Available at $500, $1,000, $2,500, and $5,000.
Scheduled Equipment vs. Unscheduled Equipment
- Scheduled Equipment: Items valued above $2,000 must be scheduled on the policy. Each item must be listed with make, model, serial number, and replacement cost.
- Unscheduled Equipment: Items valued below $2,000 can be grouped under the Unscheduled (blanket) limit without requiring individual details.
- No Price Difference: There is no cost difference between scheduled and unscheduled equipment.
- New Items: If you acquire a new item valued above $2,000, you have up to 90 days to add it to your policy or coverage will not apply.
International Coverage
- Worldwide Coverage: Applies in countries that are not currently sanctioned by the US OFAC. Check the current list here.
- Equipment Origin: Must originate within the United States and be brought abroad for coverage to apply.
- Residency Requirement: Coverage does not extend to individuals living outside the United States for most of the calendar year.
Payments and Pricing
- Policy Cost: 6-month policy prices start at $300; annual policy prices start at $340.
- Quotes: View a quote immediately after completing your application with no obligation to purchase.
- Payment: Full payment required via major US credit card; no payment plans are offered.
Claims and Valuation
- Submitting Claims: File a claim anytime from your online dashboard at InsureMyEquipment.com.
- Claim Payouts: The insurance carrier will either pay the replacement cost value of the lost or damaged equipment or cover the cost of repairs.
For further assistance or inquiries, please reach out to our support team.
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What is Rental Reimbursement Coverage?
Overview
Rental Reimbursement Coverage is an optional add-on that can reimburse you, the owner of your gear, for rental fees incurred if your owned equipment is lost, stolen, or damaged in a covered claim incident. This coverage becomes active 72 hours after the claim event.
Example Scenario
Imagine you are on location for a shoot, and your specialized lens falls and cracks mid-shoot. To continue, you may need to rent the same lens from a local rental house. In this situation, your Rental Reimbursement Coverage can cover the rental fees as part of your claim for the damaged lens.
Adding Rental Reimbursement Coverage at Policy Purchase
- Complete Your Application: During the insurance application process, select the limit you wish to add for this coverage.
- Coverage Limits: You can choose a limit up to $30,000. Consider the daily rental fees for your specialized gear to determine the appropriate limit for you.
Adding Rental Reimbursement Coverage After Policy Purchase
If you have already purchased your policy and want to add Rental Reimbursement Coverage before submitting any claims, follow these steps:
- Log In: Visit InsureMyEquipment.com and log in to your account.
- Access Dashboard: Navigate to your Dashboard.
- Modify Coverage: Click ‘Edit Policy Options or Increase Coverage’ or ‘Modify Coverage Period and Amount’.
- Add Coverage: Select Rental Reimbursement Coverage.
- Submit and Pay: Click Submit and complete the payment process.
- Policy Update: Your policy limit and coverage will update automatically.
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Rented Equipment Coverage
The ‘Rented Equipment’ policy is designed to cover production equipment rented from a third party such as a rental house or individual owner.
Rented Equipment Coverage Information
- Select a policy term as short as one day or as long as one year
- Design your personal policy with customized limits, deductibles and coverage options
- Generate certificates of insurance from your dashboard 24/7
- Worldwide coverage applies while equipment is in use, storage or transit
What the Policy Covers
- Cameras, camera equipment, sound, lighting and grip equipment, communications equipment, portable electric equipment, editing and projection equipment, office personal property & generators
Covered Causes of Loss
- Theft, Fire, Earthquake, Flood, Acts of Terrorism, Smoke, Water Damage, Falling Objects, Equipment in Transit, Lightning, Explosion, Windstorm, Hail, Accidental Damages (scratches, dropping, etc.),
Exclusions to Note
- Acts or decisions, Consequential Loss, Dampness, Dryness, or Extremes of Temperature, Dishonesty, False Pretense (voluntary parting), Governmental Action, Hidden or Latent Defect, Mechanical Breakdown, Insects, Vermin, Negligent Work, Nuclear Hazard, Pollutants, Rust, Oxidation, Corrosion or Discoloration, Unauthorized Transfer, War or Military Action, Wear and Tear.
- Theft from an unlocked vehicle is excluded, unless you add this coverage while applying for a policy.
- Coverage for equipment while afloat, submerged or underwater is excluded, unless you add this coverage while applying for a policy.
- There is a max per claim limit of $25,000 while in Mexico unless you increase this limit while applying for a policy.
- Drones are not covered while they are in operation; they re only covered while in transit or storage.
Deductible Information
- Standard Domestic Deductibles are available ($250, $500, $1,000, $2,500 & $5,000). Select your desired deductible while applying.
- The International and Theft from a Vehicle Deductible is determined by the policyholder. It ranges from $1,000 to $5,000
International Travel
- Worldwide coverage applies in countries not currently being sanctioned by the US OFAC. Find a list periodically updated here: https://www.treasury.gov/resource-center/sanctions/Programs/Pages/Programs.aspx
- Equipment must originate within the United States and be brought abroad for coverage to apply
- Unfortunately we cannot insure individuals living outside of the United States for a majority of the calendar year
Payments and Price
- Short-term policies start as low at $270
- Annual policies start at $470.
- You can view a quote immediately after completing your application with no requirement to commit to a policy.
- Complete payment using your major US credit card.
- No payment plans are offered.
What to Schedule
- Rented equipment valued above $150,000 must be scheduled onto your policy. This means that you must individually list each of those items including the make, model, serial number and replacement cost.
- All other items can be covered without scheduling.
Claims and Valuation
- Equipment is valued based on replacement cost at the time of the claim.
- Submit a claim at any time from your online dashboard at InsureMyEquipment.com.
- In the event of a covered claim, the insurance carrier will either pay the replacement cost value of the lost or damaged equipment; Or, pay the cost to repairing the lost or damaged equipment.
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Renting Out Your Gear
Renting out your owned gear has become increasingly common in the production and entertainment industry. Whether you prefer renting to acquaintances or utilizing peer-to-peer platforms like Sharegrid and Kitsplit during downtime, it’s a great way to earn extra income.
Ensuring Coverage for Your Gear
When renting out your gear, it’s essential to ensure it’s adequately covered:
- Add Rented Equipment Coverage: You can protect your owned gear while it’s being rented out by adding rented equipment coverage to your existing insurance policy. This coverage typically safeguards your equipment against common causes of loss, providing peace of mind while it’s in someone else’s hands.
- You can apply for this coverage when you initially set up your insurance or later through your policyholder dashboard.
- Consider False Pretense Coverage: It’s also wise to consider adding ‘False Pretense’ coverage to your policy. This extends protection in cases where your gear is stolen by a renter, which might not be covered under basic rented equipment insurance. Learn more about False Pretense coverage and its benefits [here](link to more information if available).
Important Considerations
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- Income Threshold: Note that if you earn more than 25% of your gross annual income from rentals, you may be ineligible for coverage while your equipment is rented out. In such cases, it’s advisable to explore alternative insurance options. Contact [email protected] for assistance or referrals to other insurance providers who can offer quotes tailored to your needs.
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Scheduled and Unscheduled Equipment
When you apply for owned equipment coverage online at InsureMyequipment.com, you’ll be asked if you own any items valued over $2,000. This distinction is important because your policy classifies equipment individually valued above $2,000 as “Scheduled” and equipment valued below $2,000 as “Unscheduled”. There is no cost difference between the two categories, but for coverage to apply to higher-valued items, you must list those items on your policy, including the make, model, replacement cost, and serial number if applicable.
Breaking Down Your Equipment Limit
- Overall Limit: The total value of all the gear you own.
- Scheduled Sub-Limit: The portion of your overall limit allocated to items valued over $2,000.
- Unscheduled Sub-Limit: The remaining portion of your overall limit that can be used for items valued below $2,000.
Important Guidelines
- Listing New High-Value Items:
- When you acquire a new item valued over $2,000, you have up to 90 days to list it on your policy. After this period, coverage for that item will be excluded.
- Proceeding Without Scheduling Gear:
- If you don’t have your equipment details handy and want to proceed with your quote, simply add one placeholder item to your application valued above $2,000. This allows you to advance to purchase. You can adjust your equipment list from your dashboard after purchasing coverage.
- Unscheduled Gear:
- While you don’t need to provide a list of unscheduled gear, we recommend keeping one for your records. This will make it easier to access your equipment list if you need to file a claim.
For any questions or assistance with scheduling your equipment, please reach out to our support team.
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Add ‘Theft from Unlocked Vehicle’ Coverage
What is this Optional Coverage?
When equipment is stolen from a vehicle, a police report is required to submit a claim for the stolen gear. Police will look for signs of forcible entry, such as broken glass or a bent door panel. If there are no signs of forcible entry, it is assumed the vehicle was left unlocked. This scenario is excluded from coverage under a standard policy unless you add ‘Theft from Unlocked Vehicle’ coverage.
Per the terms of this policy, any theft from a vehicle without signs of forcible entry is considered theft from an unlocked vehicle.
Since accidents happen and many rental houses require this coverage before releasing gear, we highly recommend adding it to your policy. However, it is ultimately up to you to decide how often your gear is in a vehicle and how diligently it is secured when left unattended.
Adding ‘Theft from Unlocked Vehicle’ Coverage at Policy Purchase
- Complete Your Application: During the insurance application process, you will be asked if you wish to cover your equipment if stolen from an unlocked vehicle.
- Select YES: Click YES to add this coverage.
- Additional Premium: An additional premium will be applied to your quote.
- Coverage Activation: This coverage will apply to your policy for the entire policy term once you complete the purchase.
Adding ‘Theft from Unlocked Vehicle’ Coverage After Policy Purchase
- Log In: Visit InsureMyEquipment.com and log in to your account.
- Access Dashboard: Navigate to your Dashboard.
- Modify Coverage: Click ‘Edit Policy Options or Increase Coverage’ or ‘Modify Coverage Period and Amount’.
- Add Coverage: Click YES next to ‘Add coverage for theft from an unlocked vehicle’.
- Submit and Pay: Click Submit and complete the payment process.
- Policy Update: Your policy will be updated immediately after payment.
- Generate New Certificate: Create a new certificate of insurance for the rental house or individual requiring this coverage.
By following these steps, you can ensure your equipment is protected against theft from an unlocked vehicle, giving you peace of mind and meeting rental house requirements.
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‘Water Use’ Coverage
Overview
While all policies include coverage for accidental water damage from events like rain, floods, or spills, coverage is limited for equipment used on boats, barges, cruises, or other water vessels, and for equipment used underwater. To ensure your gear is protected in these scenarios, you need to add ‘Water Use’ coverage.
Without this endorsement, there is no coverage for equipment on boats, barges, cruises, or other water vessels, whether it is damaged, stolen or goes overboard. Additionally, for filming underwater, your gear must be in special underwater housing, and you must have this endorsement for coverage to apply.
Adding ‘Water Use’ Coverage at Policy Purchase
For Rented Equipment
- No Need to List Specific Equipment: Simply add the value of the equipment you wish to cover for use afloat and underwater.
- If prompted to add gear, you can input ‘Rented Equipment’ with the total value of all rented gear you wish to cover under this endorsement.
For Owned Equipment
- List Specific Gear: Provide details such as make, model, replacement cost, and serial number (if applicable).
- Application Process: When asked, “Do you wish to cover your equipment for water use?”, answer yes. The additional premium will be added to your quote, and you will be prompted to schedule the equipment.
Adding ‘Water Use’ Coverage After Policy Purchase
- Log In: Visit InsureMyEquipment.com and log in to your account.
- Access Dashboard: Navigate to your Dashboard.
- Modify Coverage: Click ‘Edit Policy Options or Increase Coverage’ or ‘Modify Coverage Period or Amount’.
- Add Coverage: Click YES to ‘Add Coverage for Equipment Use Underwater or Afloat’.
- List Equipment: Add every item you wish to cover under this endorsement, regardless of its value. (If it’s rented gear, you can simply input ‘Rented Gear’ with the total value and proceed.
- Submit and Pay: Click Submit and complete the payment process.
Additional Information
- Coverage Value: The value of equipment you wish to cover with Water Use Coverage must be included in your policy limit.
- Policy Limit: Your new underwater equipment limit cannot exceed your policy limit. You may need to increase your policy limit before purchasing this endorsement.
- Underwater Housing: Must be used for underwater shoots and listed in your ‘Water Use’ Scheduled Equipment List.
- Comprehensive Coverage: This endorsement covers all causes of loss or damage while afloat or underwater, including theft, accidental damage, loss, fire, etc.
- Specific Listing Required: To ensure coverage while afloat or submerged, each item must be explicitly listed on your ‘Water Use’ Scheduled Equipment List. There is no blanket limit for ‘Water Use’ coverage.
- Editing or Removing Items: To edit or remove items from ‘Water Use’ coverage, contact the support team at InsureMyEquipment.com. Note that water use premiums are non-refundable, so it may be beneficial to maintain the coverage through policy expiration.
By following these guidelines, you can ensure that your equipment is adequately protected while in use on water or underwater.
Coverage Changes and Requests
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How to Add Short-Term Rented Equipment Coverage
If you have annual coverage but temporarily need to increase your rented equipment limit, you can easily do so through your dashboard on InsureMyEquipment.com.
The ‘Short-Term Rented Equipment Endorsement’ allows for a temporary increase in your policy coverage. This endorsement applies for your specified duration and can go up to a maximum online limit of $750,000.
Steps to Add Short-Term Rented Equipment Coverage
- Log In: Visit InsureMyEquipment.com and log in to your account.
- Access Your Dashboard: Navigate to your Dashboard.
- Add Coverage: Click on ‘Add Short-Term Rented Production Equipment’.
- Enter Equipment Value: Input the value of the additional rented equipment.
- Select Dates: Choose the pick-up and drop-off dates for the rented equipment.
- Submit Payment: Complete the payment process.
- Generate Certificate: Go back to your dashboard to generate a new Certificate of Insurance for the rental house you are working with. When generating the certificate, ensure you ‘Select Period’ and choose the short-term endorsement period.
Additional Information
- Cancellation Policy: A short-term endorsement can only be canceled if the term hasn’t already begun.
- Annual vs. Short-Term Coverage: If you anticipate needing to rent equipment multiple times within a year, consider comparing the pricing for annual rented equipment coverage. It might be more cost-effective.
- To get an annual coverage quote, navigate to your dashboard, click on the link to modify policy coverage, enter your desired rented equipment limit, and submit to review the quote.
- Generating a Certificate: When issuing a certificate, ensure you select the active period of the endorsement so the new limit appears on the Certificate of Insurance.
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Making Changes to Your Policy Coverage Dates
We understand that in this industry, plans can change at the last minute. Whether you need to adjust your policy period due to a rescheduled shoot or for another reason, here are some important policies and guidelines to keep in mind:
Annual Policies
- Changing Dates After Policy Start: You cannot change your policy dates once the policy term has begun.
- Changing Dates Before Policy Start: If your policy term has not yet started, our staff can assist you with changing the dates. Please contact us for assistance.
Short-Term Policies
- Shorten Policy Duration: Short-term policies cannot be shortened once they are set.
- Extend Policy Duration:
- You can extend your short-term policy through your online dashboard at InsureMyEquipment.com.
- Log in and click ‘Modify Coverage’. Select your new start date, end date or both, complete the payment, and navigate back to your dashboard to generate a new Certificate of Insurance for your rental vendor.
Additional Information
For any changes or assistance with your policy coverage dates, please reach out to our support team at [email protected]. We are here to help ensure your coverage aligns with your needs.
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Leased/Financed Equipment
If you are financing or leasing equipment through a bank or other institution, you will need to provide proof of coverage. If you do not, the institution may purchase insurance on your behalf, often at a higher cost.
How to Insure Your Leased/Financed Equipment
- Apply for the Owned Equipment Policy:
- This policy will cover your leased or financed gear.
- Generate a Certificate of Insurance (COI):
- After purchasing your policy, you must generate a COI for the financing company, which includes your lease number and the specific equipment you are leasing or financing.
- Click here to learn more about requesting a custom COI.
Adding Custom Wording to a COI
Sometimes, companies require specific information to be listed in the ‘Description of Operations’ or ‘Comments’ sections of a Certificate of Insurance. This customization is possible, but it cannot be done online.
To request custom wording on your COI, please follow these steps:
- Email Us:
- Send an email to [email protected] with the following information:
- Subject: Custom COI
- Body:
- Your policy number and name
- Company name, address, email, contact name
- Specific wording required in the ‘Description of Operations’ section
- Send an email to [email protected] with the following information:
- Forward Relevant Emails:
- Alternatively, you can forward the email you received from the financing company or institution that includes the insurance requirements and custom description wording.
- Processing Time:
- Allow up to 24 business hours for custom COI requests.
Important Information
- General Liability Coverage:
- If a rental house requires you to be listed as ‘Additional Insured’, you must have General Liability coverage in addition to property coverage.
- You can apply for short-term or monthly general liability coverage online at InsureMyEquipment.com.
- After purchasing this secondary policy, you can generate an instant COI.
For any additional questions or assistance, please contact our support team at [email protected].
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How to Obtain Coverage Beyond $750,000
Encountering the need to insure equipment valued above $750,000 can be a common scenario in the entertainment industries. While our online platform offers coverage up to this maximum limit, acquiring coverage beyond this threshold is indeed feasible. However, it requires a slightly different approach. Here’s a step-by-step guide on how to obtain your quote for rented equipment coverage above $750,000:
1. Initial Application
- Begin by submitting an application for the maximum amount allowed online, which is $750,000.
- Once you’ve completed the application and received your quote, be sure to click ‘Save Quote’.
2. Contact Support
- Reach out to our dedicated support team at [email protected].
- Provide comprehensive answers to the following questions:
- Total value of rented equipment you wish to cover.
- Desired coverage dates.
- Purpose or event for the rental.
- List any individually rented items valued over $150,000.
- Location of the event.
- Storage arrangements during the rental period.
- Measures for equipment protection during use, storage, or transit.
- Transportation details.
- Include a copy of your rental invoice from the rental house.
3. Submission and Review
- Allow one to two business days before your coverage is needed. Our team will submit your application to the insurance carrier for review and approval.
4. Quote and Payment
- If the request is approved, you will receive a quote and payment link to finalize the process.
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Custom Wording on Certificates of Insurance
In certain situations, you may need to add custom wording to your Certificate of Insurance.
For example: financing or leasing institutions often require that your lease/contract number and leased equipment is explicitly on your policy, and some rental houses require that you add additional specific wording in the ‘Description of Operations’ section on a COI.
How to Customize the Wording on Your COI
To request a custom COI with special wording, follow these steps:
- Email Us:
- Send an email to [email protected] with the following information:
Subject: Custom COI
Include:
Your policy number and name
Rental House or Certificate Holder Information (Name, Address, Email, Contact Name)
Specific wording required in the ‘Description of Operations’ section
Alternatively, you can forward the email you received from the rental house or financial institution that includes the above information. This can help ensure accuracy and expedite the process.
Important Note
It may take up to 24 business hours to return a customized Certificate of Insurance. Please plan accordingly to avoid any delays in your transactions.
For any additional questions or assistance, feel free to contact our support team at [email protected].
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False Pretense Coverage
As fraud continues to rise in the equipment rental industry, it is crucial to stay vigilant when renting out your valuable gear. To protect against theft by renters, consider adding ‘False Pretense’ coverage to your owned equipment policy. Also known as ‘Voluntary Parting’ coverage, this optional insurance reimburses you if your equipment is stolen by a renter who obtained it under false pretenses and failed to return it.
Why Add False Pretense Coverage?
- Protection Against Fraud: Safeguard your gear from being stolen by deceitful renters.
- Peace of Mind: Ensure that you are covered if a renter fails to return your equipment.
Requirements for Coverage
To qualify for False Pretense coverage, the following conditions must be met:
- Equipment Coverage: The equipment you are renting out must already be covered under your policy limit.
- Written Contract: You must have a written agreement in place with the renter, detailing:
- Equipment being rented
- Rental duration
- Full names and contact information of both parties
- A clause stating that the renter assumes full responsibility for any loss, damage, or theft of the equipment while in their possession.
Coverage Details
- Coverage Limit: The maximum online limit for False Pretense coverage is $50,000.
- Deductible: A deductible of 5% of the loss value applies, with a minimum deductible of $500 and a maximum of $5,000.
How to Add False Pretense Coverage
While Applying for Coverage:
- When completing your insurance application, answer ‘Yes’ to the question about renting your gear to others.
- Select your desired coverage limit when prompted.
After Policy Purchase:
- Log in to your InsureMyEquipment.com account and go to your dashboard.
- Click the link to ‘Modify Coverage’.
- Add False Pretense coverage with your desired limit.
Additional Recommendations
We highly recommend reviewing the Fraud Prevention Guidelines before renting out your gear to ensure you take all necessary precautions to prevent theft.
Protect your valuable equipment and ensure you are covered against fraudulent renters by adding False Pretense coverage to your policy today. If you have any questions or need further assistance, please contact [email protected].
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Increasing Your Coverage Limit
Your coverage limit represents the maximum amount that the insurance carrier will pay for any single claim. Each policy typically includes separate coverage limits depending on the type of equipment insured.
- Rented Equipment Limit: This can be coverage through a short-term or annual rented equipment policy, or rented equipment coverage added to an annual owned equipment policy.
- Owned Equipment Limit: This is coverage for your owned personal gear, purchased through a semi-annual or annual owned equipment policy.
How to Increase Your Coverage Limit:
- Access Your Dashboard: Log in to InsureMyEquipment.com.
- Navigate to Policy Options: Click on ‘Edit Policy Options’ or ‘Modify Coverage’.
- Enter Your Desired Limit: Input the new coverage amount you require.
- Submit and Pay: Click ‘Submit’ and complete the payment process.
- Automatic Updates: Your policy limit and coverage will be updated automatically.
Generating a Certificate of Insurance: If you need a new Certificate of Insurance for dealings with a rental house, return to your dashboard to generate one.
Temporary Increase for Rented Equipment (Annual Policy Only): For temporary increases in rented equipment coverage under an annual policy, you can purchase a ‘Short-Term Rented Equipment Endorsement’ directly from your dashboard on InsureMyEquipment.com.
Note: Temporary increases in owned equipment coverage are not available.
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Obtaining an International COI
When traveling for productions, you may need to rent additional gear outside of the country. InsureMyEquipment.com provides coverage for your international rental house partners.
How to Obtain an International Certificate of Insurance (COI)
After purchasing your rented equipment policy, you will notice that the system does not allow you to enter an international address when generating a COI. This is because our team needs to assist you with this process.
Steps to Request a COI for an International Rental House
- Contact Support: Email our support team at [email protected] with the subject line “Request for International Certificate of Insurance.”
- Include Travel Details: In the email body, provide your travel plans, the rental location, and the approximate value of the rented gear.
- Rental House Information: Include the rental house’s name, physical address, and the contact person’s email address.
Lead Time
- Minimum Turnaround: Please allow at least one business day for processing.
- Recommendation: Contact our support team as early as possible to ensure timely assistance.
Important Notes
- Eligibility: This service is available only to individuals who reside in the United States for most of the calendar year, have a permanent US address, and are traveling abroad temporarily.
- Ineligibility: Coverage does not apply to individuals who live abroad.
For further assistance, feel free to reach out to our support team at [email protected].
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Loss of Use Coverage
Overview
This optional coverage is available for any policy that includes Rented Equipment coverage. Whether you have a short-term rented equipment policy or an annual owned equipment policy with a rented equipment limit, you will have the option to purchase ‘Loss of Use Coverage’.
What is Loss of Use Coverage?
Loss of Use Coverage reimburses a rental house or certificate holder if their rented gear is lost, stolen, or damaged in a covered incident by you, the insured. If this causes them to cancel subsequent rentals, the lost rental income can be charged to you. This coverage will pay for those lost fees.
A small group of rental houses requires this coverage, while most do not. The optional coverage involves an additional premium, which will be specified on your quote.
Adding Loss of Use Coverage at Policy Purchase
- Complete Your Application: During the insurance application process, select the limit you desire for Loss of Use Coverage.
- Payment and Activation: Upon payment, your coverage will be activated.
Adding Loss of Use Coverage After Policy Purchase
- Log In: Visit InsureMyEquipment.com and log in to your account.
- Access Dashboard: Navigate to your Dashboard.
- Modify Coverage: Click ‘Edit Policy Options or Increase Coverage’ or ‘Modify Coverage Period and Amount’.
- Select Coverage Limit: Choose your new Rental House Loss of Use coverage limit.
- Submit and Pay: Click Submit and complete the payment process.
- Policy Update: Your policy limit and coverage will update automatically.
- Generate New Certificate: Create a new Certificate of Insurance (COI) for the rental house or individual you are working with (if applicable).
By following these steps, you can ensure that your rental house is compensated for lost rental income due to covered incidents, providing peace of mind and meeting any rental house requirements.
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Modify Scheduled Equipment
When you purchase coverage to protect your owned gear, your total equipment coverage is divided into two categories: scheduled and unscheduled.
Scheduled coverage applies to items you own valued above $2,000, while unscheduled coverage includes everything else.
Example Scenario
Suppose you have a total of $15,000 in owned equipment coverage. You own:
- A laptop worth $4,000
- A camera worth $3,000
- A guitar valued at $2,500
- Lots of other gear valued below $2,000 which total about $5,500 in value
In this case, your scheduled equipment limit totals $9,500, and the remaining $5,500 is your unscheduled limit.
Adding Scheduled Items
When applying for coverage, you need to list your ‘Scheduled’ items with details such as make, model, replacement cost, and serial number (if applicable).
Updating Scheduled Items
You can adjust your scheduled items at any time during your coverage term from your dashboard. Here’s how:
- Log In: Visit InsureMyEquipment.com and log in to your account.
- Access Your Dashboard: Navigate to your Dashboard.
- Edit Scheduled Equipment: Click ‘Update Scheduled Equipment List’.
- Manage Items: Add, edit, or remove items as needed.
- Adjust Coverage: The value you add or subtract from this list will be reflected in your unscheduled equipment limit.
- Finalize Changes: Click ‘Done’ to save your updates.
- Review New Limits: Since any equipment value removed from the scheduled coverage will automatically apply to unscheduled coverage, review your new unscheduled limits and reach out to [email protected] if you need to decrease your unscheduled limit.
You have up to 90 days to add any newly acquired item valued over $2,000 to your policy; otherwise, it won’t be covered. However, if you already own the item, you need to add it to your scheduled equipment list immediately for any coverage to apply.
Updating Scheduled Equipment During Renewal
If you receive a renewal notification and need to update your equipment list, you can do so while completing your Renewal Application. Here’s how:
- Log In: Visit InsureMyEquipment.com and log in to your account.
- Access Renewal: Click the link ‘Click Here to Renew Your Policy’.
- Complete Renewal Application: Include any updates to your scheduled equipment.
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What is Rental Reimbursement Coverage?
Overview
Rental Reimbursement Coverage is an optional add-on that can reimburse you, the owner of your gear, for rental fees incurred if your owned equipment is lost, stolen, or damaged in a covered claim incident. This coverage becomes active 72 hours after the claim event.
Example Scenario
Imagine you are on location for a shoot, and your specialized lens falls and cracks mid-shoot. To continue, you may need to rent the same lens from a local rental house. In this situation, your Rental Reimbursement Coverage can cover the rental fees as part of your claim for the damaged lens.
Adding Rental Reimbursement Coverage at Policy Purchase
- Complete Your Application: During the insurance application process, select the limit you wish to add for this coverage.
- Coverage Limits: You can choose a limit up to $30,000. Consider the daily rental fees for your specialized gear to determine the appropriate limit for you.
Adding Rental Reimbursement Coverage After Policy Purchase
If you have already purchased your policy and want to add Rental Reimbursement Coverage before submitting any claims, follow these steps:
- Log In: Visit InsureMyEquipment.com and log in to your account.
- Access Dashboard: Navigate to your Dashboard.
- Modify Coverage: Click ‘Edit Policy Options or Increase Coverage’ or ‘Modify Coverage Period and Amount’.
- Add Coverage: Select Rental Reimbursement Coverage.
- Submit and Pay: Click Submit and complete the payment process.
- Policy Update: Your policy limit and coverage will update automatically.
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Add ‘Theft from Unlocked Vehicle’ Coverage
What is this Optional Coverage?
When equipment is stolen from a vehicle, a police report is required to submit a claim for the stolen gear. Police will look for signs of forcible entry, such as broken glass or a bent door panel. If there are no signs of forcible entry, it is assumed the vehicle was left unlocked. This scenario is excluded from coverage under a standard policy unless you add ‘Theft from Unlocked Vehicle’ coverage.
Per the terms of this policy, any theft from a vehicle without signs of forcible entry is considered theft from an unlocked vehicle.
Since accidents happen and many rental houses require this coverage before releasing gear, we highly recommend adding it to your policy. However, it is ultimately up to you to decide how often your gear is in a vehicle and how diligently it is secured when left unattended.
Adding ‘Theft from Unlocked Vehicle’ Coverage at Policy Purchase
- Complete Your Application: During the insurance application process, you will be asked if you wish to cover your equipment if stolen from an unlocked vehicle.
- Select YES: Click YES to add this coverage.
- Additional Premium: An additional premium will be applied to your quote.
- Coverage Activation: This coverage will apply to your policy for the entire policy term once you complete the purchase.
Adding ‘Theft from Unlocked Vehicle’ Coverage After Policy Purchase
- Log In: Visit InsureMyEquipment.com and log in to your account.
- Access Dashboard: Navigate to your Dashboard.
- Modify Coverage: Click ‘Edit Policy Options or Increase Coverage’ or ‘Modify Coverage Period and Amount’.
- Add Coverage: Click YES next to ‘Add coverage for theft from an unlocked vehicle’.
- Submit and Pay: Click Submit and complete the payment process.
- Policy Update: Your policy will be updated immediately after payment.
- Generate New Certificate: Create a new certificate of insurance for the rental house or individual requiring this coverage.
By following these steps, you can ensure your equipment is protected against theft from an unlocked vehicle, giving you peace of mind and meeting rental house requirements.
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‘Water Use’ Coverage
Overview
While all policies include coverage for accidental water damage from events like rain, floods, or spills, coverage is limited for equipment used on boats, barges, cruises, or other water vessels, and for equipment used underwater. To ensure your gear is protected in these scenarios, you need to add ‘Water Use’ coverage.
Without this endorsement, there is no coverage for equipment on boats, barges, cruises, or other water vessels, whether it is damaged, stolen or goes overboard. Additionally, for filming underwater, your gear must be in special underwater housing, and you must have this endorsement for coverage to apply.
Adding ‘Water Use’ Coverage at Policy Purchase
For Rented Equipment
- No Need to List Specific Equipment: Simply add the value of the equipment you wish to cover for use afloat and underwater.
- If prompted to add gear, you can input ‘Rented Equipment’ with the total value of all rented gear you wish to cover under this endorsement.
For Owned Equipment
- List Specific Gear: Provide details such as make, model, replacement cost, and serial number (if applicable).
- Application Process: When asked, “Do you wish to cover your equipment for water use?”, answer yes. The additional premium will be added to your quote, and you will be prompted to schedule the equipment.
Adding ‘Water Use’ Coverage After Policy Purchase
- Log In: Visit InsureMyEquipment.com and log in to your account.
- Access Dashboard: Navigate to your Dashboard.
- Modify Coverage: Click ‘Edit Policy Options or Increase Coverage’ or ‘Modify Coverage Period or Amount’.
- Add Coverage: Click YES to ‘Add Coverage for Equipment Use Underwater or Afloat’.
- List Equipment: Add every item you wish to cover under this endorsement, regardless of its value. (If it’s rented gear, you can simply input ‘Rented Gear’ with the total value and proceed.
- Submit and Pay: Click Submit and complete the payment process.
Additional Information
- Coverage Value: The value of equipment you wish to cover with Water Use Coverage must be included in your policy limit.
- Policy Limit: Your new underwater equipment limit cannot exceed your policy limit. You may need to increase your policy limit before purchasing this endorsement.
- Underwater Housing: Must be used for underwater shoots and listed in your ‘Water Use’ Scheduled Equipment List.
- Comprehensive Coverage: This endorsement covers all causes of loss or damage while afloat or underwater, including theft, accidental damage, loss, fire, etc.
- Specific Listing Required: To ensure coverage while afloat or submerged, each item must be explicitly listed on your ‘Water Use’ Scheduled Equipment List. There is no blanket limit for ‘Water Use’ coverage.
- Editing or Removing Items: To edit or remove items from ‘Water Use’ coverage, contact the support team at InsureMyEquipment.com. Note that water use premiums are non-refundable, so it may be beneficial to maintain the coverage through policy expiration.
By following these guidelines, you can ensure that your equipment is adequately protected while in use on water or underwater.
Purchase & Payment
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Payment
Accepted Payment Methods
To purchase your policy online at InsureMyEquipment.com, you can use a major US Credit Card with a billing address within the United States. For your security, we do not accept international forms of payment or any other payment methods. Payment is required at the time of purchase. Rest assured, we process payments securely through Authorize.net and do not store Credit Card information.
Installment Payments
If your total policy payment exceeds $2,000 and you prefer to arrange for two installment payments, please contact our customer support team for assistance.
Financing and Monthly Payment Options
At this time, we do not offer financing plans or monthly payment options.
Identity Verification
For first-time users of our platform, identity verification is a necessary step during checkout using Stripe Verification. Please have your State or Government Issued ID ready before proceeding with your purchase.
Policy Pricing Overview
- Short-Term Rented Equipment: Starting at $165.
- Short-Term Owned Equipment: Starting at $300.
- Annual Owned or Rented Equipment: Starting at $340.
For any questions about payment methods, installment options, identity verification, or policy pricing, please contact our dedicated customer support team. We’re here to assist you every step of the way.
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Policy Cancellation Guide
If you need to cancel your policy, you can easily initiate the process online at InsureMyEquipment.com.
Here’s how to request a cancellation:
1. Access Your Dashboard
- Log in to your account on InsureMyEquipment.com and navigate to your Dashboard.
2. Request Cancellation
- Find the link to request a cancellation and follow the prompts to initiate the cancellation process.
- You’ll be prompted to provide the reason for your cancellation request.
- Once submitted, your request will be reviewed.
- If there is no Cancellation Link available, your policy type may not be eligible for cancellation. Reach out to [email protected] instead.
Cancellation Stipulations
Here are some important stipulations to consider:
- Annual Policies: Annual policies can be canceled at any time. However, if the policy term has already begun, a minimum amount of $470 will be withheld from any returned premium. Any amount above that will be pro-rated based on the date of the cancellation request.
- Short-Term Policies: Short-term policies can only be canceled if the policy term hasn’t yet begun.
- Certificates of Insurance: If short-term or annual policies have Certificates of Insurance issued, no rental equipment can have been picked up, and the insured must show proof of cancellation of the rental.
- Refund Process:
- If your cancellation refund is processed within 4 months of your original purchase, the refund will be applied back to the credit card you used to purchase coverage.
- If your cancellation refund is processed after 4 months of your original purchase, the refund will be sent via check to the address on file within 45 days of cancellation.
Requesting Cancellation
If you need to cancel for any reason, please use the request link in your dashboard, even if you don’t think you may be eligible for cancellation or refund.
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Understanding Policy Pricing
At InsureMyEquipment.com, we strive to offer affordable, customized coverage tailored to your specific needs. Whether you’re planning a production or safeguarding valuable assets, we provide competitive rates designed to fit your budget.
Policy Pricing Overview
- Short-Term Rented Equipment: Starting at $165.
- Annual Rented Equipment: Starting at $340.
- Semi-Annual Owned Equipment: Starting at $300.
- Annual Owned Equipment: Starting at $340.
Please note that these are starting prices. Your actual quote will depend on several factors, including deductibles (higher deductibles may lower your premium), additional coverage options, replacement cost of equipment, policy duration, and more.
Getting Your Customized Quote
To receive a personalized quote, you’ll need to complete an online application at InsureMyEquipment.com. Once submitted, you’ll promptly receive your customized quote. You can then adjust your application to explore different coverage options, discard it if needed, or proceed with purchasing your policy immediately.
Payment Options
Please be aware that payment for your policy must be made in full at the time of purchase. We accept major US Credit Cards with billing addresses within the United States.
Additional Information
- Installment Plans: We do not offer installment plans at this time.
- Coverage Changes: You have the flexibility to modify your application to generate updated quotes as needed.
For more details or assistance with your insurance needs, feel free to contact our customer support team.
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How to Download Your Receipt
To download your receipt from InsureMyEquipment.com, follow these simple steps:
- Log in to your account at InsureMyEquipment.com.
- Navigate to your Dashboard.
- Click on ‘Download Invoice’.
- Your Receipt/Invoice will be downloaded automatically as a PDF document.
If you need an invoice for a past policy, follow these additional steps:
- On your Dashboard, locate and click ‘Show Policy History’.
- Find the specific past policy for which you need the invoice.
- Click the download link next to the past policy to download your invoice.
If you need an invoice for a payment completed through a payment link sent to you by InsureMyequipment.com
- Find your ‘Payment Complete’ email from [email protected]. The receipt will be attached to that email.
Rental House Resources
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Benefits of Partnering with InsureMyEquipment.com
Partnering with InsureMyEquipment.com offers numerous advantages for rental houses:
1. Exposure: Your company will be prominently listed on our dedicated Rental House Partners page, increasing visibility among potential customers.
2. Simplicity: Clients can conveniently purchase coverage online at any time. After purchase, they can select your company from our drop-down menu, ensuring that Certificates of Insurance (COIs) are generated quickly and accurately.
3. Easy Verification: Your team can verify COIs online at any time, streamlining administrative processes.
4. Affordability: We provide highly competitive rates in the insurance marketplace. Each new partner receives a unique discount code for use at checkout, enhancing affordability for your clients.
5. Customizability: Our coverage options are fully customizable, allowing you to tailor policies to fit specific needs. From policy duration and coverage limits to deductibles and additional coverage such as general liability, our platform offers comprehensive solutions.
6. Safety and Coverage: Our insurance coverage is comprehensive and robust, offering all-risk, worldwide protection. This includes coverage for common causes of loss such as accidental damage, theft, water damage, fire, wind, and more. Equipment is covered whether in use, storage, or transit.
7. Thorough Vetting: We employ a rigorous multi-point vetting protocol to ensure reliability and security. First-time customers undergo Stripe Verification, enhancing trust and minimizing risk.
Partnering with InsureMyEquipment.com not only simplifies insurance processes but also enhances credibility and accessibility for your rental house. To explore partnership opportunities or learn more, please contact us at [email protected].
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Fraud Prevention Guidelines
Fraud is an unfortunate reality in our industry. As technology advances and equipment becomes more valuable and easier to resell, your rental inventory becomes a target for dishonest individuals. At InsureMyEquipment.com, we take fraud seriously, and we’re committed to combating it. We encourage you to join us in protecting your valuable assets.
What We’re Doing:
- Multi-Point Vetting System: InsureMyEquipment.com employs a multi-point vetting system to detect fraud. We utilize a third-party service to conduct background and document checks.
- Unique Verification & QR Codes: Our insurance certificates feature a unique verification & QR code. Your staff can input this code to validate coverage 24/7. Certificates submitted without these codes are not valid, and equipment should not be released to those customers.
- Identifying First-Time Customers: First-time customers are clearly indicated in insurance certificate emails and on the certificates themselves. Please implement stringent vetting protocols for these customers, as we cannot verify their rental history.
- Industry Affiliations:com is a sponsor of ESTA and a member of PERG Rental Guard. We regularly report suspicious customers and monitor notifications from other submissions.
What Rental Houses Should Do:
- Require ID for Rentals:
- Ensure the ID matches the person picking up the gear and the name on the policy and rental.
- Consider investing in an ID Verification System like Blockscore, Stripe Verification, Been Verified, etc.
- Request multiple forms of ID for suspicious customers.
- Avoid Shipping to First-Time Customers:
- Always require first-time customers to pick up equipment in person.
- Especially avoid shipping to first-time customers in another state.
- Ask for Industry References:
- Check online platforms like IMDB, LinkedIn, Facebook, and Instagram for their presence.
- Request industry referrals and teacher references if dealing with student renters.
- Policy Holder Pickup:
- Only release gear to the person listed on the policy.
- If under a company name, ensure the pickup person is listed as the policy contact and provides valid proof of employment.
- Credit Card Verification:
- Ensure the credit card is valid before releasing equipment.
- Check that the card’s address matches the policy and rental contract.
- Identify Strange Behavior:
- Watch for renting multiple expensive items at once, refusal to provide project details, lack of knowledge about rented gear, or last-minute rentals.
- Identify High-Risk Rentals:
- Be cautious with walk-in first-time customers renting for the same day or short-term policies.
- Communicate with Other Rental Houses:
- Reach out to local rental houses to share information about suspicious customers.
- Register Equipment:
- Register your equipment online at websites like Lenstag.com or Photo.net/registry to make it easier to locate if stolen.
- Join ESTA.org:
- As a member of ESTA’s Rental Guard program, receive notifications about theft attempts and submit suspicious activities or theft to warn others.
By following these guidelines, you can help prevent fraud and protect your business and assets.
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Rental House Partnerships
InsureMyEquipment.com proudly collaborates with rental houses nationwide, both large and small. Explore our current rental house partners here.
Benefits of Partnering with InsureMyEquipment.com
For Renters: When renters secure coverage through our partners, the rental house’s information automatically appears in our drop-down menu. This streamlined process ensures accurate certificate generation, making it convenient for renters.
For Rental Agents: Rental house staff can trust that their clients are obtaining the correct coverage through InsureMyEquipment.com. This simplifies the rental process and ensures compliance with insurance requirements.
Discount Codes and Referral Fees: We offer custom discount codes for rental house partners to provide their customers. Additionally, rental houses can earn referral fees for each customer who obtains coverage through our platform.
Interested in Partnering with Us? If you’re a rental house interested in partnering with InsureMyEquipment.com, please reach out to our team at [email protected]. We look forward to discussing how we can collaborate effectively.
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