What is Motion Picture Equipment?
Motion picture equipment includes the specialized tools and gear used in film, television, commercial, and video production. This can range from high-value cameras, lighting rigs, and sound recording devices to generators, dollies, and specialty grip equipment. Whether owned or rented, this equipment represents a major investment and is exposed to various risks during transport, on set, or in storage.
Who Needs It
This type of insurance is essential for production companies, independent filmmakers, production service providers, and equipment rental houses. Event organizers and creative contractors who rely on costly gear for short-term projects may also need motion picture equipment coverage. Even small crews or content creators shooting on location can benefit from having proper protection in place.
What it Typically Covers
Motion picture equipment insurance typically covers loss or damage to insured gear due to theft, fire, accidental damage, vandalism, and transportation incidents. Policies may extend to:
- Owned equipment
- Rented or leased equipment
- Equipment in transit or on location
- Production-related property like sets or props (if endorsed)
Some policies may also address loss of use or rental reimbursement in the event of covered damage. For productions involving multiple locations, coverage can be structured to follow the gear wherever it's needed.
Common Exclusions or Limitations
While motion picture equipment insurance offers broad protection, there are common exclusions. These may include wear and tear, mechanical breakdown, intentional damage, or equipment used outside specified territories. Coverage for drones, stunts, or underwater shoots often requires special underwriting or endorsements. Reviewing exclusions is a key step in managing your liability exposures and understanding what risks remain.
Factors That Influence Cost
Several underwriting factors affect the cost of motion picture equipment insurance:
- Total value and type of equipment
- Geographic location and travel exposure
- Production schedule and duration
- Security measures during storage and transit
- Claims history and risk management practices
For example, a short-term commercial shoot in a controlled studio may carry less risk than a documentary filmed across multiple outdoor locations.
Proof of Insurance & Compliance
Many equipment rental companies, venues, and production partners require proof of equipment insurance before allowing gear to be picked up or used. A certificate of insurance (COI) outlines the terms and confirms active coverage. This documentation helps demonstrate compliance with contract terms and protects all parties involved.
How to Get a Quote
Getting a quote is simple. Our team works with entertainment professionals to tailor coverage based on your production’s unique needs. Whether you're planning a short film or a multi-location commercial shoot, we can help you secure the right equipment protection.
Request a quote today to get started.
For more details on related protection, you may also be interested in Comprehensive Equipment Insurance for the Entertainment Industry or explore our Comprehensive Equipment Coverage for Entertainment Professionals if you regularly rent gear.
Frequently Asked Questions
Does motion picture equipment insurance cover rented gear?
Yes, many policies can be structured to include coverage for rented or leased equipment, often with proof of rental agreements.
Is coverage available for equipment used internationally?
Some policies offer worldwide coverage, but this varies by provider and may require special endorsements. Always confirm the territorial limits of your policy.
What if my gear is damaged while in transit?
Transit coverage is commonly included, protecting equipment while being transported by vehicle or shipping carrier, subject to policy terms.
Can I insure just one piece of equipment?
Yes, insurance can often be tailored to specific items, though minimum premium requirements may apply. A blanket policy may be more cost-effective for multiple items.
Will I need a separate policy for liability coverage?
Yes, motion picture equipment insurance typically covers property only. Liability exposures—such as injuries or property damage—require general liability or production liability insurance.
Still have questions? Talk to a local insurance expert.