Photographers Enhancement Pack explained.
Agency and Talent Re-Shoots Costs: $10,000 - In the event of an insured loss, this coverage would cover additional costs incurred to pay talent required for a re-shoot or additional talent costs incurred by an advertising agency or advertiser.
Rented Equipment: $15,000 – The enhancement pack includes coverage for direct physical loss or damage to rented photography equipment, subject to the same terms, conditions, and exclusions as owned equipment. Note that coverage for rented equipment may be purchased separately on its own, or in addition to the $15,000 included in the enhancement pack. If both the Enhancement Pack and Rented Equipment Coverage are purchased, the limit for rented equipment will be the total of both (e.g. $15,0000 + $15,000 = total $30,000).
Production Media/Media Peril: $10,000 - This coverage would provide additional costs incurred for a required re-shoot due to the direct physical loss, damage, or destruction of raw film or tape stock, exposed film (developed or undeveloped), including other forms of digital drives, image capture, processing and storage. This also includes loss, damage or destruction to raw film or tape stock, exposed film (developed or undeveloped), recorded video tape, including other forms of digital drives, image capture, processing and storage caused by or resulting from the use of faulty cameras, video tape recorders, faulty sound equipment, faulty developing and faulty editing equipment.
NOTE: The insurnace company will not pay for any produciton loss if you have not fully tested the equipment for soundness prior to the commencement of Principal Photography. The sworn proof of loss required pursuant to the Loss Payment condition of this policy shall include evidence of testing. You shall bear the burden of proof with respect to any dispute over your compliance with this requirement.
Seizure or Quarantine: $5,000 - Covers loss incurred due to the actual or potential impairment of an insured photo shoot caused by or resulting from the seizure or quarantine of property by order of government or military authority.
Props/Sets/Wardrobe: $15,000 - Provides coverage on props, sets, scenery, costumes, wardrobe and similar property against all risks of direct physical loss, damage, or destruction during a photo shoot.
Impairment of Computer Services: $25,000 - Electronic Data Recover costs or loss incurred due to the impairment of your shoot resulting from an actual loss to electronic data or a system due to malicious programing.
The above coverage would be subject to a $500 Deductible inside Canada/US or $750 outside Canada/US per insured loss, except for Theft from an Unattended Vehicle, which is subject to a $2,500 Deductible. ×