2014Steadi-Newbies forum
Insurance requirements and practices for personal production equipment provided by crew members
12 years old. Gear and prices may have changed since.
What the thread found
- Productions should provide a certificate of insurance naming the equipment owner as loss payee when crew members bring their own gear to jobs.
- Crew members need to supply productions with an itemized inventory of their equipment for insurance purposes.
- Personal insurance policies separate from production coverage are recommended as additional protection for non-work-related incidents.
- In lower-budget markets, some productions may lack insurance entirely or only carry liability coverage, leaving crew members unprotected.
- Specialized film production insurance companies are more likely to offer coverage for freelance crew than standard homeowners or commercial insurers.
- Theft of unregistered equipment on a job site may not be covered by any insurance if the production does not formally document the gear.
- High deductibles on production equipment insurance policies can make claims impractical for moderate loss amounts.
Depends on
- Homeowners insurance typically covers only limited amounts of expensive production equipment and may exclude theft in certain contexts.
- Insurance gaps exist for freelancers in low-budget productions where producers may not maintain coverage.
- Experiences shared are individual anecdotes from specific markets and time periods, not comprehensive industry standards.
- No consensus reached on optimal insurance providers or policy terms that balance cost and coverage.