Through our partnership with Thimble, InsureMyEquipment.com offers you on-demand general liability coverage.

About the General Liability Policy

• Coverage is from Markel Insurance (A.M. best rated A)
• Purchase a policy for your desired period of time (as little as a few hours up to almost one year!)
• Easily submit a certificate of insurance listing your vendor as additional insured 
• You are able to add crew members, employees, etc to your policy
• A waiver of subrogation is included
• Limits:
  • $1M per occurrence limit
  • $2M general aggregate limit
  • $100,000 damage to rented premises limit
  • $5,000 medical expense

Please Note

• The policy does not include non-owned hired auto liability, worker’s compensation or umbrella coverage

• Coverage applies in all US states except in New York and Washington
• There is a 60 day minimum term in Texas, and a 24-hour minimum term in North Dakota

This policy will cover your owned musical equipment, recording and editing equipment.

About Musical Equipment Policies

• Annual policy coverage
• Select your own limit of insurance
• Worldwide coverage applies while equipment is in use, storage or transit
• Additional coverage options are available:
  • Water Use Coverage
  • Theft from an Unlocked Vehicle
  • Rental Reimbursement

What the Policy Covers

• Musical Instruments, Recording and Editing Equipment, and 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

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 ‘Theft From Unlocked Vehicle’ coverage is added
• Coverage for equipment while afloat, submerged or underwater is excluded, unless ‘Water Use’ coverage is added
• There is a max per claim limit of $25,000 while in Mexico unless you are approved for a limit increase

Deductible Information

Standard Domestic Deductibles are available ($250, $500, $1,000, $2,500 & $5,000). Select your desired deductible while applying.
Both International Deductibles and Theft from any Vehicle Deductibles are determined by the policyholder. They range from $1,000 to $5,000.

Scheduling Equipment

• Equipment valued above $2,000 must be scheduled onto the policy. Each item must be listed with make, model, serial number and replacement cost
• All items valued below that can be grouped together and added into the Unscheduled (blanket) limit which does not require individual information for each item
• If you acquire a new piece of equipment valued above $2,000, you have up to 90 days to enter that item onto your policy schedule or no coverage will apply.

International Coverage

• 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

Payment and Price

• Annual policies start at $340. 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.

Claims and Valuation

• 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 musical equipment; Or, pay the cost to repairing the lost or damaged musical equipment. There is an Actual Cost valuation available as well.

Our Owned Equipment policy is designed to cover your owned production equipment gear. It will also cover financed/leased equipment, and rented equipment.

About the Owned Equipment Policy

• The policy is available for a 6 Month or Annual term
• The policy will cover up to $750,000 worth of gear. If you require limits above that amount, reach out to us.
• Optional coverages include
  • Rented Equipment
  • Rental House Loss Of Use Coverage
  • Rental Reimbursement
  • Water Use coverage
  • False Pretense coverage
  • Theft from Unlocked Vehicle Coverage
• The policy offers world-wide coverage while the equipment is in use, storage or transit

What This Policy Covers

• 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 and similar personal property and related production equipment.

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.
• Theft from an unlocked vehicle is excluded, unless you add ‘Theft From an Unlocked Vehicle’ coverage (an unlocked vehicle is considered to be a vehicle where equipment was taken with no signs of forcible entry)
• Equipment coverage while afloat, submerged or underwater is excluded, unless you add the ‘Water Use’ endorsement
• There is a max per claim limit of $25,000 while in Mexico, unless you increase the Mexico Limit
• There is a max limit of $100,000 for equipment while in a vehicle

Deductibles

• Standard Domestic Deductibles are available ($250, $500, $1,000, $2,500 & $5,000). Select your desired deductible while applying.
• International Deductibles are available($1,000, $2,500 and $5,000)
• Theft from any Vehicle Deductibles are available ($1,000, $2,500 and $5,000)

Scheduled Equipment Vs. Unscheduled Equipment

• Your Equipment limit is separated into two sub-limits: your Scheduled Equipment (everything you own valued above $2,000) and your Unscheduled Equipment (your blanket limit covering all equipment valued below $2,000).
• You will add all items valued above $2,000 to your scheduled equipment list with the make, model, serial number and replacement cost.
• 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 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

• 6 Month policy prices start at $320. Annual policy prices 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.

Claims and Valuation

• 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

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.