Insurance for Theft of Camera and Film equipment

Posted by Casey Budden on Oct 24, 2018 10:43:17 AM

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Action!

You’ve finally gotten to the meat of the production: the principal photography phase. Much of the busywork is done; now for the fun part!

Unfortunately, as it so often does, disaster strikes at the worst time: a rented vehicle used in the production is stolen from the set. Worse, it contained an expensive piece of camera equipment (also rented). The vehicle is quickly recovered, but the camera equipment is nowhere to be found and there is damage to the vehicle. The cost of your production is suddenly mounting very quickly.

Could this have been prevented?

A commercial vehicle physical damage policy covers accidents mentioned above.

You’ll also want to ensure your production has production equipment insurance, which covers you against physical loss of or damage to, or destruction of, cameras, sound, lighting and grip equipment which are owned or rented by the production company.

A film production is a complex animal; you want the process to be as seamless as possible. Wouldn’t it be nice if there was one less thing to think about?

Ensure that your production is adequately covered so that you can concentrate on filmmaking rather than financing.

Tags: CAMÉRAS, camera equipment insurance policy, online camera Insurance, Camera Insurance Broker, Camera Equipment Insurance, Camera Insurance, Film equipment rental insurance

Camera and Film Processing Insurance

Posted by Casey Budden on Oct 24, 2018 10:30:32 AM
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Put the Finishing Touches on your Film Without Worry.

Congratulations! Principal photography on your production is complete and so far, everything has gone off without a hitch. You’ve managed to remain on budget, and footage was delivered to the post facility on time. While you understand that editing is both an art and a science, the cut of the film you got back was not what you were looking for. Instead of seamless edits, you got jump cuts!

While faulty editing is a problem that will cost your production time and money, it’s not the most serious risk you face at this stage. Let’s consider a second scenario.

Imagine you’re making a documentary about jazz. Your sound engineer composes an original piece to be used as background music in a scene. All is well and good until a famous jazz musician sues for copyright infringement, claiming that the music is too similar to a well-known piece of theirs. While you know the case would be won in court, the associated delay and cost would harm your production.

Your film is slated to be broadcast in a matter of months, and the clock is ticking.

The best defense against unforeseen perils such as the above is a specialized insurance policy designed to protect you, the filmmaker.

 Entertainment Package Policy includes:

1. Faulty Stock, Camera, & Processing insurance.

Faulty Stock, Camera & Processing insurance provides protection against:

  • Loss, damage or destruction of raw film or tape stock, exposed film (developed or undeveloped), recorded video tape, sound tracks and tapes, caused by or resulting from fogging or the use of faulty equipment (including cameras and videotape recorders).
  • Faulty sound equipment
  • Faulty developing
  • Faulty editing and faulty processing
  • Accidental erasure of videotape recording

But does not cover: Loss caused by errors of judgment in exposure, lighting or sound recording, or from the use of incorrect type of camera, lens, raw film or tape stock.

2. Commercial General Liability.

This is a standard liability coverage included in entertainment package policies which will arrange a defense if you are sued for reasons connected with your production, regardless of whether the suit has any merit. Returning to the example above involving music, this coverage would prevent you from having to pay for legal defense costs out of pocket.

You’ve come too far to let unforeseen circumstances put you behind.

Make sure you have the right insurance coverage.

Tags: camera equipment insurance policy, Camera Insurance Broker, Camera Insurance, CAMÉRAS, online camera Insurance, Camera Equipment Insurance

Theft from Vehicle: PHOTOGRAPHY INSURANCE explained

Posted by David McLeish on Aug 20, 2018 2:48:24 PM

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Theft from a vehicle: Is my equipment covered?

For professional photographers, the world is their workplace. They need to be able to pick up and go wherever—and whenever—the light is magic. That means they’re travelling with valuable equipment, and that means, theft from a vehicle is a serious concern. Did you know some insurance policies don’t cover theft from a vehicle? Crazy, right? At Front Row Insurance, our Photographers insurance program WILL cover your equipment if it is stolen from an unattended vehicle, but with some important conditions.

  • The vehicle had to have been locked.
  • There needs to be visible evidence of forced entry.
  • You need to file a police report.

“Hold-up” (as in, “stick-‘em-up!”) is also covered under our policies, so if someone forces you to unlock your vehicle using threat of violence, you will still be covered. But again, you need to file a police report. Understanding these conditions prepares you to understand how your Photographer’s insurance policy will (or won’t) respond in the event of a theft from a vehicle.

Remember, even with camera gear insurance, it’s better if your gear never gets stolen in the first place! Insurance is just one tool you have to protect your business from losses, but you should also be practicing good risk management.

  • Don’t leave your gear in an unattended vehicle if you can help it.
  • Use good judgment when choosing locations and parking spots.
  • Keep your gear in the trunk or out of sight.
  • Travel lean – only bring with you the gear you know you will need.
  • Unload your gear into your residence

At Front Row Insurance, we offer 12 month prior policies that cover you worldwide, except in countries subject to trade restrictions (click here for a list of the Canadian government’s current sanctions). All your equipment is covered for replacement cost, and coverage for rented equipment is also available. Plus, as part of your policy you automatically get:

  • $5,000 in Laptop Coverage + $10,000 Office Contents Coverage
  • $10,000 of coverage for newly acquired equipment for up to 30-day
  • $7,500 in Library Stock (Portfolio) coverage
  • $15,000 in Money and Securities coverage
  • $350 deductible per occurrence for gear

You can also purchase Commercial General Liability with our Photographers policies. Photographer liability covers property damage and bodily injury that you cause while shooting on location or in a rented studio. It can pay for legal fees, too. You can get a quote online in 2 minutes that ensures industry-low prices. Click here to get started.

Tags: Photography Equipment Insurance Policy, online camera Insurance, Camera Equipment Insurance, Photography Equipment Insurance, Online Photography Equipment Insurance

Film Equipment Owners: You May not be Covered under a Homeowners Insurance Policy if you have used your gear Professionally

Posted by David Hamilton on May 23, 2016 12:18:22 PM

Equipment_insurance_banner.jpgYou arrive back at your apartment to find your door pried open and your camera, sound and lighting gear missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a  web search and sees  that you have credits on IMDB for various productions. Because you are hired with your gear as a part of your weekly rate, your gear is now considered “commercial” equipment and as such, not covered by your homeowner’s insurance policy which is intended to cover “personal” film gear that is not used for commercial purposes.

You tell the adjuster that you only worked  twice in the last 12 months on two low budget music videos and made less than $300. The adjuster shrugs, “It doesn’t matter, even if you shoot a birthday party for 60 minutes for $50, you are a professional and your gear is  considered commercial and is no longer covered under a homeowners policy”.

This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professionals assume they are covered by their homeowners insurance policy when in fact they are not.

If you use your gear to make money, check your insurance policy and make sure your coverage is appropriate. At Front Row we have created a 5 minute on line insurance solution called DigiGear.

Available at:  https://digigearinsure.frontrowinsurance.com

The policy term is for 12 months and coverage is provided throughout Canada and the USA.

All equipment is covered for replacement cost for:  theft, damage, fire and loss of use. Rental coverage is also available.

The online link ensures industry-low prices:

  • $10,000 equipment coverage: $80 plus a fee
  • $2,000,000 location liability coverage: $500.  Liability covers property damage and bodily injury to third parties. Pays legal fees too.
  • $1,000 deductible for gear


For a limited time get $50 off.  Use code: $50discount at: https://digigearinsure.frontrowinsurance.com

"We wanted to make the insurance process easier, faster and cheaper for musicians,” said David Hamilton, President of Front Row “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process an on line film equipment  insurance policy is much less  and we have passed the savings onto the gear owner. The savings is expected to be 30% compared to standard film equipment policies. Although the DigiGear policy is online, we are still available to answer questions by e mail or over the phone if required.”

Tags: Film equipment insurance, Film Gear insurance, Camera Equipment Insurance, online camera Insurance, camera equipment insurance policy, digigear

Camera Insurance: How To Reduce The Cost To Insure Your Photography Equipment

Posted by David Hamilton on Aug 18, 2015 4:16:53 PM

Equipment_insurance_bannerIt would seem to be obvious that one of the simplest ways to lower the cost of camera insurance  is to assure the insurance company that the camera gear is safe and secure in your possession: but what does this mean? 

First of all, use an insurance broker that is experienced with arranging camera equipment insurance. As specialized camera insurance brokers we represent you to the insurance company to ensure that you receive the best premium and coverage available in the marketplace for your photography insurance. Coverage now available online: https://photographer.frontrowinsurance.com

Every photography equipment insurance application will ask how your gear will be protected. The underwriters charge for discomfort so give them good detailed answers that make them comfortable. Good information includes:

  1. Warranting that you will have a bonded security guard watch the gear overnight if you are shooting on location.
  2. If you do not hire a security guard, pack your gear back into the truck(s) and park it in a secure compound overnight such as a tow truck yard. They often have excellent security: fenced and floodlit, manned 24/7 and dogs!
  3. Return your gear to the equipment rental house so you are not responsible overnight.
  4. Cable your gear that is not being used when shooting on the streets in a busy urban area.
  5. Avoid checking your bags when flying.  Mysterious disappearance is not covered - you need to have an idea of the date and time when the equipment was stolen.
  6. Motion alarms are useful when shooting on location. Wedding photographers find these movement alarms useful as they cannot carry all their gear around the wedding. Put it inside your pelican case or bag and a siren will go off is someone picks it up. GPS and proximity alarms are also worth exploring. Let your camera insurance broker know that you have purchased these items.

Good information based on a little planning will ensure that you receive the best premium.

Front Row now offers on line camera insurance: https://photographer.frontrowinsurance.com. Insure your gear for as low as $10 (plus a fee). Get a quote in 1 minute. A policy in 5 minutes. Worldwide coverage. Protect your gear against: theft, breakage, fire and more. Liability is also available.

Click now for a free, no obligation online quote:  https://photographer.frontrowinsurance.com

Tags: Camera Equipment Insurance, photography equipment, Photography Equipment Insurance, Camera Insurance, photography insurance, Camera Insurance Broker, online camera Insurance

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