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  • Hey all, just changed over the backend after 15 years I figured time to give it a bit of an update, its probably gonna be a bit weird for most of you and i am sure there is a few bugs to work out but it should kinda work the same as before... hopefully :)

filmins.com - legit insurance for the scarlet, or not?

Kamal Kyrala

Kamal Kyrala

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I've been looking at a couple different places for insurance, and www.filmins.com seems to be about a third the cost of others. Has anyone used them and made a claim with them?
 
Not yet, though a few reputable users here have reported successful claims with them which is what led me to buy over an untested provider.
 
When I'm trying to get a quote, both filmins and this other asked me if I had any quotes out with " One Beacon Insurance Company". I'm assuming since I did a quote with filmins, I do - and the above won't let me proceed if I indicate I have a quote already. Strange.
 
When dealing with those online companies, how quick can you get a certificate issued to get someone covered?
 
General liability, in an industry that isn't normally associated with high levels of risk, should typically run well under $600 for a 1 million dollar policy. Obviously, a higher limit or removal of more exemptions will cause the price to increase.
 
Several people have recommended the professional photographers association to me...$15,000 coverage for just over $300 a year, which is what I was going to get once my Scarlet arrives.
 
Domestic or World Wide ?

Domestic or World Wide ?

Do these companies cover overseas locations ?
If so, I'm wondering if they care which country you are in.

I am primarily looking for loss and damage coverage. Their web pages sure make it hard to see roughly what they are selling and for how much.
-Les
 
B
Les Dittert said:
Do these companies cover overseas locations ?
If so, I'm wondering if they care which country you are in.

I am primarily looking for loss and damage coverage. Their web pages sure make it hard to see roughly what they are selling and for how much.
-Les
Click to expand...

The insurance I bought (linked earlier) has international coverage and covers nearly everything except theft from unlocked vehicles, unless you opt into it. Fire, theft, damage, hail, water damage is all covered.
 
I also researched filmins and they have a pretty good rep. I was quoted $475 a year for $28,000 of owned equipment. The reason they ask you about one beacon is because filmins is only the broker and one beacon is the actual insurance company.
 
Kamal Kyrala said:
But have any of you actually had to submit a claim?
Click to expand...

Yes.

http://www.reduser.net/forum/showth...myequipment.com-who-has-had-a-claim-with-them


Kamal Kyrala said:
When I'm trying to get a quote, both filmins and this other asked me if I had any quotes out with " One Beacon Insurance Company". I'm assuming since I did a quote with filmins, I do - and the above won't let me proceed if I indicate I have a quote already. Strange.
Click to expand...

Onebeacon Insurance is the underwriter for both brokers, Filmins and Heffernan (insuremyequipment.com)
 
Les Dittert said:
Do these companies cover overseas locations ?
If so, I'm wondering if they care which country you are in.

I am primarily looking for loss and damage coverage. Their web pages sure make it hard to see roughly what they are selling and for how much.
-Les
Click to expand...

From their website:

Insuremyequipment.com covers you for the following owned or leased production equipment

Cameras & camera equipment
Sound equipment
Lighting equipment
Grip equipment
Communications equipment
Portable electric equipment
Editing equipment
Projection equipment
Office personal property & similar personal property
Generator
Mechanical effects equipment
Props, sets, and wardrobes and all similar personal property

Going out of the country for your project? No problem. Insuremyequipment.com is a worldwide policy - no territory limitations

Insuremyequipment.com covers loss or damage to your equipment resulting from the following

Theft
Fire
Earthquake
Flood
Acts of terrorism
Smoke
Water damage
Falling objects
Equipment in transit
Lightning
Explosion
Windstorm
Hail
Accidental damages (i.e. scratches or dropping equipment)
Policy is an All-Risk Peril Policy subject to the exclusions on the policy

Insuremyequipment.com coverage details

TOTAL OWNED / LEASED EQUIPMENT COVERAGE (required)
Covers your owned / leased equipment
Scheduled Basis - for items over $5,000 each
Unscheduled Basis - for items $5,000 or less each
$1,000,000 - Maximum Total Owned / Leased Equipment Coverage Available

RENTAL REIMBURSEMENT COVERAGE (optional)
If your Owned/Leased Equipment is damaged and you need to rent equipment immediately, this coverage reimburses you for the cost to rent equipment until your damaged equipment is fixed and/or replaced
$30,000 Maximum Total Policy Limit

RENTED EQUIPMENT COVERAGE (optional)
This Covers you if you rent equipment from others (such as if you rent production equipment from a rental house). You can purchase this on a short-term or annual basis.
$500,000 Maximum Rented Equipment (Annual & Short-Term)

LEASE OR RENTAL PAYMENT FEES (optional)
If you rent equipment from others and damage the equipment, the Rentor (i.e. Rental House) may demand you pay for the income they could have collected on that damaged camera. This coverage reimburses you for the Rentor's lost income
This Optional Coverage is only available if you purchase Rented Equipment Coverage
$25,000 Maximum Total Policy Limit

Insuremyequipment.com policy period

Annual - 12 Month Policy

Insuremyequipment.com carrier

One Beacon Insurance Company - A.M. Best Rated A+ (Admitted)

Insuremyequipment.com deductible

Your deductible amount is calculated based on the total limits of your owned equipment, rented equipment, rental reimbursement, and Loss of Use Coverages.

TOTAL POLICY LIMITS DEDUCTIBLE
Up to $50,000 $500 per claim
$50,001 - $100,000 $750 per claim
$100,001 - $200,000 $1,000 per claim
$200,001 - $350,000 $1,500 per claim
$350,001 and above $2,500 per claim
Policy minimum premium

$425 (includes $75 administrative fee)

https://www.buymyinsurancenow.com/Account/ApplicantInformation?Program=OEF
 
AndrewThomas said:
General liability, in an industry that isn't normally associated with high levels of risk, should typically run well under $600 for a 1 million dollar policy. Obviously, a higher limit or removal of more exemptions will cause the price to increase.
Click to expand...

Damn, I want to get insured where you are.

On my last two bigger shoots, I paid 900 and 1600 for ONE DAY of insurance (1 mill coverage, one had auto coverage because we were dealing with expensive cars).

I got quoted 3800 for the year.

I want under 600...and I want it now.
 
Hey ryanpostas

Since the Scarlet is a video camera, would the PPA still cover it?
 
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