2015Forum Legal / Business Practices
Limitations de la couverture du matériel pour les opérateurs indépendants de caméras, en particulier en ce qui concerne la location et les engins non accompagnés
Ce que le fil a révélé
- Les polices d'assurance-vie hybrides comportant des composantes de soins de longue durée peuvent être offertes à moindre coût que les assurances de soins de longue durée autonomes
- L'assurance traditionnelle de soins de longue durée couvre généralement un maximum de quatre ans avec un montant forfaitaire
- Qualifying for long-term care or life insurance requires approval before a health crisis occurs
- Equipment rental coverage under steadicam group policies has significant limitations, with only $5,000 in contingent coverage available when renting gear to others
- Rented or unaccompanied equipment is not covered under steadicam group policies unless the loss is from a covered cause and there is a written rental agreement
- Voluntary parting with equipment, such as failing to recover loaned or rented items, is not covered under equipment policies
- Equipment policies typically cover gear you rent from others up to a certain percentage of your scheduled equipment limit, allowing you to obtain certificates of insurance for equipment rentals
- Newly acquired equipment may be covered for 180 days at a limit of 30% of total scheduled equipment value or $25,000, whichever is less
- Insurance policy language can be dense and exclusions may not be apparent without careful review or direct questioning of agents
- Dishonest acts and fraudulent schemes are explicitly excluded from equipment insurance coverage
Dépend de
- Discussion concerns primarily steadicam-specific equipment policies and may not apply to other insurance types
- Some details about coverage limits and percentages were stated as beliefs rather than confirmed facts
- The specific insurance provider details are from 2015 and policies may have changed
- One anecdote about fraud exclusion was second-hand and details were unknown