If you are renting equipment from a rental house or\nequipment owner and have a claim, continuing Rental Fees reimburses a rental\nhouse or equipment owner for their loss of\nincome (rental fees) during the claims process. \nThis coverage is an option made available with Rented Equipment From\nOthers coverage. It has a 72 hour time deductible (waiting period) and will pay up to the limit you select for this\noption. If you’re renting equipment from\nother people or rental houses, we recommend checking your rental contracts to\nsee if you’re responsible for this loss of income. If yes, Continuing Rental Fees should\nbe purchased.
On the Athos\nEquipment program, any individual item that costs more than $5,000 to replace\nwith a new item (including sales tax) must be itemized or scheduled onto the\npolicy. Scheduled means Athos has the make, model, serial number (if\napplicable), and replacement cost on file. \nAll other individual items that cost $5,000 or less to replace with\na new item (including sales tax) are unscheduled equipment.
The rate is the\nsame to cover both scheduled and unscheduled items. If you have a set of\nequipment that cannot be sold separately, that entire set would be considered 1\nsingle item, which, if valued over $5,000, must all be scheduled.
We take the\ntotal amount of owned equipment you provide and subtract the total of scheduled\nitems to calculate your unscheduled limit. \nIf you do not schedule your equipment valued more than $5,000, that\nequipment will not be covered in the event of a claim.
In the event of a\nclaim, the deductible is the amount you as the policyholder are responsible for\nbefore a claim payment is made. This\ndoesn’t mean you actually pay this amount. \nWhen a claim is paid out, the carrier usually subtracts the deductible\nfrom the total claim payout. For\nexample:
Total claim payout is\n$10,000
Deductible: $1,000
The insurance carrier\nwould write a check to you for $9,000
This is because\n$10,000 - $1,000 (deductible) = $9,000
Deductibles are\nusually found on equipment, property, and auto physical damage policies, but\nthey can be implemented for other lines of coverages too such as General Liability\nand professional lines. Deductibles can\nalso be taken in the form of time (for example, you have to wait 3 days before\nthe benefit pays out). Insurance carriers\nusually enforce deductibles to prevent small or frivolous claims.
Rental reimbursement covers the out of pocket rental fees\nafter you have a claim on your owned equipment. \nThis is similar to the concept of rental car coverage on your personal\nauto insurance, where the cost to rent another car after an accident would be\ncovered, except this is for your equipment. \nThe purpose is to minimize the extra costs to continue working. For example, if your equipment was burned in\na fire, and you have a job coming up next week, this covers the cost associated\nwith temporarily renting additional equipment to get the job done while your\nclaim is being settled. Rental\nreimbursement is an optional coverage you can purchase with Owned Equipment\ncoverage. It has a 72 hour waiting period (time deductible).
If you have a claim\n(or potential claim), please email service@athosinsurance.com or call our offices at 626-716-9800. \nAn Athos Team member will email you a claim form to complete and email\nback to our office.
This will begin the\nclaim submission process. If you are\nfiling a theft claim, be sure to file a police report\nimmediately (in the city where the theft occurred). The claims adjuster will require this during\nthe adjusting process.
In the event of a claim, you will need\nto provide the insurance carrier with proof of ownership of the involved\nequipment. If you no longer have a copy of the original purchase invoice(s) for\nthe involved equipment, the assigned claims specialist will work with you on\nhow to support your proof of ownership.
When you have a\nGeneral Liability policy, you can name a location, city/government office, or\nrental house as an Additional Insured. When you have an equipment floater (Inland Marine) policy, you can name\na vendor or rental house as a Loss payee. Some venues will require both, so it’s important to understand the\ndifference.
A General Liability policy\ncovers Third Party Bodily Injury (injury to bystanders and spectators who are\nnot employees, or cast/crew members). \nYour policy will defend any additional insureds named on your policy\nonly if BOTH your company and your Additional Insured are named on the lawsuit.
An equipment floater policy covers the theft\nand damages of the covered equipment. \nYour policy can name an entity or individual as a loss payee if they\nhave a financial interest in the equipment (i.e. they own the equipment). When a company is named as a loss payee, it\nmeans a claim check can be made payable directly to the loss payee. It does NOT necessarily mean the loss payee\ncan file a claim on the policyholder’s policy.
","CategoryName":"Camera Gear"},{"ID":36,"Title":"Who can I name as a Loss Payee?","Description":"A Loss Payee is a\ncompany or individual who has a financial interest in the equipment being\ncovered. For example, if you are renting\nequipment from a rental house, the rental house would be the Loss Payee because\nthey own the equipment. Another example\nwould be if you are leasing equipment to own. \nThe lending company (bank) would be the Loss Payee because they have a\nfinancial interest in the equipment, where the equipment is the collateral.
At Athos, we are only\nlicensed to sell insurance to US residents, US businesses, and individuals in\nthe US through a visa. If you are applying\nfor a short-term policy for a production or equipment rental, and are\npartnering with a US production company, you could conduct the entire rental\nthrough their company. We are then able\nto insure that other company because they\nare based in the US. This would also require that you have\na contract in place with the US-based company to show the legal relationship.
Otherwise, the proper\nway to insure your company is to find a broker in your country who can insure your\ngear worldwide.
Yes, the online equipment program Athos offers is\nworldwide. The only exception is that\ncountries with US Sanctions are not covered (i.e. Iran, Iraq, North\nKorea). You can always reference these\ncountries here https://www.treasury.gov/resource-center/sanctions/programs/pages/programs.aspx as they are continuously\nupdated by the US Department of Treasury. \n
Please be mindful that if you are traveling through\nany of these countries, there would be no coverage at that time. Also, please note our policy has a $25,000\ncap in coverage in the country of Mexico.
Yes, the online\nequipment program Athos offers covers damages or theft while in the care of an\nairline
To issue your own certificates:
The current online equipment program currently DOES NOT\ncover the actual drone itself or any equipment used as payload (when you attach your equipment to a drone).
If you are looking for a proper separate Drone/Aviation policy (liability and hull coverage), please email us at service@athosinsurance.com to request an application.
","CategoryName":"Camera Gear"},{"ID":42,"Title":"How do I update my equipment policy (bought equipment, sold equipment, update policy information)?","Description":"If you have an annual owned equipment policy, you can\nrequest a temporary endorsement to increase your Rented Equipment From Others\nlimit for a short period of time. This is\nperfect for people who need to rent a high valued rental a few times a\nyear. When you add the temporary\nendorsement, it may be more cost effective since you’re only charged for\ntemporary time versus the whole year. \nThe minimum charge for each of these endorsements starts at $60\n(depending on the number of days and value of rented equipment). There are 2 ways to request a temporary\nendorsement:
ONLINE:
The equipment program\npolicy form defines the covered Production Equipment as: Cameras, camera\nequipment, sound, audio visual, lighting and grip equipment, communications\nequipment, portable electric equipment, editing and projection equipment,\noffice personal property, generators, mechanical effects equipment, props,\nsets, wardrobe, event equipment,\ntheatrical equipment, computer equipment \nincluding desktops, laptops and monitors, and all similar personal\nproperty and any related production equipment. \nAny one item cannot exceed $150,000 in replacement value.
The equipment program\npolicy form defines the covered Sports, Leisure & Recreational Equipment\nas: Sporting goods and equipment, gym and fitness equipment, business personal\nproperty, sport event property, race timing machines, racing chips, banners,\noffice personal property, ROTC related equipment, rock climbing equipment,\nkayaks, non-motorized boats less than 13 feet in length, canoes, water sports\nequipment, and any related Sports & Recreational equipment not to exceed\n$150,000 any one item.
The equipment program\npolicy form defines the covered Musical Instruments and Sound Equipment as\nMusical Instruments, sound equipment, vintage and classical musical\ninstruments, similar personal property, office personal property, and any\nrelated musical equipment not to exceed $150,000 any one item.
If you are looking to\ninsure your sound equipment, it can be eligible for both\nProduction/Camera/Photo equipment AND the Musical Instruments/Sound\nequipment. The rate is slightly less\nunder the Musical Instruments/Sound Equipment classification.
However, please note\nthat if you have any gear this is solely production or film related (i.e. a\ncamera, lens), this has to be classified under the Production/Camera/Photo\nequipment. Similarly, if you have a\nmusical instrument (i.e. a guitar or piano), this has to be classified under\nMusical Instruments/Sound Equipment.
ALWAYS. In order to\nhave a valid rental for coverage to apply, there must be an activated rental\ncontract in place before the rental occurs. \nThe rental contract should include at least the following details of the\nrental: rental dates, parties involved with the rental, items being rented,\nreplacement cost of the items being rented, responsibilities and fees of the\nrenter, insurance requirements, the responsibilities of the renter if the gear\nis damaged, stolen, or not returned in the condition it was picked up in,\nsignatures/dates of both parties to activate the contract. The contract is a legal document. We recommend that the rental agreement be\nreviewed by an attorney before implementing these contracts.
There are 2 main\nreasons for extra security when applying:
1) \nAt\nAthos, we want to make sure all policyholders are true to the identity of the\napplicant details. This is also to\nprotect the rental houses and equipment owners who depend on applicants to be\ntruthful when applying for their insurance policies.
2) \nYou\nmay be asked to provide more details about rental houses and limits per rental\nhouse. Since our process is quick to\npurchase and issue certificates (within minutes), we want to make sure your\nequipment limits are accurate before submitting your certificates to your\nvendors. This may seem somewhat\nbackwards, but it will save you a lot of headache and liability if you\nunderinsure yourself. If you underinsure\nyourself and have a total loss, the rental houses can come after you personally\nfor the balance.
No, all policies have\nto be renewed by you each year. This can\nbe done online or by paying with a check in the mail upon receiving your\nrenewal quote. At Athos, we do not store\nany credit card information, and we do not automatically renew policies by\ndefault.
60 days before your renewal date, all eligible accounts will\nreceive a renewal quote. You can either\nrenew directly online or by paying with a check in the mail. However, if you wish to make changes, you can\nlog into your account and do the following:
When you have a\ngeneral liability policy, you can name a location, city/government office, or\nrental house as an “additional insured.” \nWhen you have an equipment floater (inland marine) policy, you can name\na vendor or rental house as a “Loss payee.” \nSome locations will require both, so it’s important to understand the\ndifference.
A general liability policy\ncovers Third party bodily injury (injury to bystanders and spectators who are\nnot employees, or cast, crew members). \nYour policy will defend any additional insureds named on your policy\nonly if BOTH your company and your additional insured is named on the\nlawsuit.
An equipment floater policy\ncovers the theft and damages of the covered equipment. Your policy can name an entity or individual\nas a loss payee if they have a financial interest in the equipment (i.e. they\nown the equipment). When a company is\nnamed as a loss payee, it means a claim check can be made payable directly to\nthe loss payee. It does NOT necessarily\nmean the loss payee can file a claim on the policyholder’s policy.
On a General Liability policy, Additional Insureds can be\nlocations, venues, city/government entities, permit offices, unions (i.e. SAG),\npayroll companies, rental houses, or entities that have a liability interest\nassociated with your project or company operation(s).
At Athos, we are only\nlicensed to sell insurance to US residents, US businesses, and individuals in\nthe US through a visa. If you are\napplying for a short-term policy for an event liability coverage, and are\npartnering with a US event company, you could conduct the production through\ntheir company. We are then able to insure\nthat other company because they are based in the US. This would also require that you have a\ncontract in place with the US-based company to show the legal relationship.
Otherwise, the proper\nway to insure your company is to find a broker in your country who can insure your event activities\nworldwide.
A general liability\npolicy covers third party bodily injury (injury to bystanders and spectators\nwho are not employees, or cast/crew members). \nSome policies may include Third Party\nProperty Damage coverage under the General liability, but it is not common with\nShort-term event policies. It is always\nrecommended to make sure Third Party Property Damage (damage to the property of\nothers, including rented locations’ wood floors and walls) is covered.
A general liability\npolicy covers third party bodily injury (injury to bystanders and spectators\nwho are not employees, or cast/crew members). \nAs the event organizer, you are at the top (imagine a triangle). All the liability flows to the top. If there are claims arising from activities\nfrom vendors or subcontractors (all on the bottom of the triangle), your\norganization will most likely be named in that lawsuit as well. This is why you must always have contracts\nbetween you and all vendors, sub-contractors, volunteers, independent\ncontractors, and companies you hire, naming your company as an Additional Insured. On the flipside, your policy can defend your\norganization in the event of a lawsuit.
A general liability\npolicy covers third party bodily injury (injury to bystanders and spectators\nwho are not employees, or cast/crew members). \nAs a vendor at an event, you are at the bottom (imagine a\ntriangle). Your event organizer will\nrequire that you have your own policy naming them as an Additional Insured for\nany claims associated with your business. \nAs a vendor, you should always sign a contract between you and the event\nholder/organizer, outlining your responsibilities and liabilities.
If you are an event\norganizer, you may have staff or volunteers who use their own vehicles (or\nautos not owned by your company). If one\nof these people run a business errand and gets into an accident causing bodily\ninjury or property damage, your organization may get sued. This is why it’s important to carry the\nNon-Owned Auto Liability. Moreover, if you hire (or rent) any vehicles,\nthe Hired Auto Liability would cover auto related liability lawsuits.
Another exposure to\nconsider is if someone is loading and/or unloading equipment into their\nvehicles. Since a commercial general\nliability policy excludes claims arising from property being loaded and\nunloaded to and from an automobile (including trucks and vans), it’s important\nto consider having auto liability coverage. \nThe loading and unloading exposure would be covered on the auto\nliability policy.
Low hazard special events are those:
Vendors are\nbusinesses that operate to vend their business (i.e. a booth or concessionaire\nat a trade show or event)
The ELIGIBLE\ntypes of vendors for this program include:
Antique &\nCollectibles; Apparel & Accessories; Arts & Crafts; Celebrity, Mascot,\nor Character Appearances/Photo Booths; Cookware; Disc-Jockey (for private\nevents less than 200 attendees); Face painting; Food & Drink; Game Trailers\nor Booths; Gift Wrap Booths; Micro-Reality Race Tracks; Photo Booth; Produce\n& Floral Vendors; Product Demos- Static; Product or Service Display\nExhibits; Retail Carts; Souvenir Sales; Sports & Camping Equipment;\nVehicles, Equipment or Hardware Sales on Display- Static; Wedding vendors (for\nweddings less than 200 attendees)
The INELIGIBLE types\nof vendors for this program include:
Body piercing or\ntattooing; Catering Companies; Christmas tree retail lots; Corn or Hay maze;\nDisc-Jockeys for events over 200 attendees; E-commerce selling; Entertainment\nand Film Industry Vendors; Fireworks sales & displays; Food Truck Vendors,\nHaunted attractions; Hot wax impressions; Live animals; Live Bands; Marijuana\nand other cannabis products and/or paraphernalia, Massage; Mechanical or inflatable\namusement devices; Medical testing; Motor sports activities; Nutritional/health\nsupplements; On-site installation/service/repair of products; On-site equipment\nrental; Oxygen/aromatherapy; Storefront operations; Time share sales; Tobacco\nproducts; Vehicles in motion; Watercraft exhibits on water; Weapon sales;\nWeight-loss plans or products; Wholesale business; Production Companies
At Athos, we offer a\nvery low cost group vendor rate (starting at $77.00 per vendor).
If you wish to apply\nfor this, please email us at service@athosinsurance.com and request for a Group Vendor Form to\ncomplete.
If you are an event\norganizer with many vendors seeking insurance coverage, we have a very low cost\ngroup vendor rate (starting at $77.00 per vendor) we offer. We can also customize a website link for you\nwith your prefilled event details and additional insured (certificate)\ninformation. When your vendors purchase\ntheir policies through this customized link, your preset certificates\nautomatically get issued to you (naming your company and location as additional\ninsured).
If you wish to apply\nfor this, please email us at service@athosinsurance.com and request for an Event Holder Website\nForm to complete.
If you have a claim\n(or potential claim), please email service@athosinsurance.com or call our office at 626-716-9800. An Athos Team member will email you a claim\nform to complete and email back to our office. \nThis will begin the claim submission process. If you are filing a theft claim, be sure to\nfile a police report immediately (in the city where the theft occurred). The claims adjuster will require this during\nthe adjusting process.
When you have a General\nLiability policy, you can name a location, city/government office, or rental\nhouse as an “additional insured.” When\nyou have an equipment floater (inland marine) policy, you can name a vendor or\nrental house as a “Loss payee.” Some\nlocations will require both, so it’s important to understand the\ndifference.
A General Liability policy covers\nThird Party Bodily Injury (injury to bystanders and spectators who are not\nemployees, or cast/crew members). Your\npolicy will defend any Additional Insureds named on your policy only if BOTH\nyour company and your additional insured are named\non the lawsuit.
An equipment floater\npolicy covers the theft and damages of the covered equipment. Your policy can name an entity or individual\nas a Loss Payee if they have a financial interest in the equipment (i.e. they\nown the equipment). When a company is\nnamed as a loss payee, it means a claim check can be made payable directly to\nthe Loss Payee. It does NOT necessarily\nmean the Loss Payee can file a claim on the policyholder’s policy.
Please email us at service@athosinsurance.com to request a hard copy of your policy be\nmailed to you. All policies are emailed to\nreduce environmental impact.
All our short-term\nequipment policies are NON-REFUNDABLE upon purchase. This is disclosed and electronically\nacknowledged before purchase. Please DO\nNOT purchase a short-term policy until you are ready to move forward. This is mandated by our insurance carrier.
All our short-term liability\npolicies are NON-REFUNDABLE upon purchase. \nThis is disclosed on our quotes. \nPlease DO NOT purchase a short-term policy until you are ready to move\nforward. This is mandated by our\ninsurance carrier.
Depending on the\ninsurance carrier, an annual policy typically has a minimum earned premium that\nis NON-REFUNDABLE. This can be an exact dollar amount or a percentage of the\ntotal premium. If there is unearned premium at the time of your cancellation\nrequest, this premium is eligible for a refund to you. All administrative and\nprocessing fees are NON-REFUNDABLE upon purchase.
Please email us at service@athosinsurance.com to request your Loss History Report. Please include your policyholder name and/or\npolicy number. We will email the form to\nyou as soon as we receive it.
It is ALWAYS\nrecommended to have a rental contract or service agreement to establish legal\nliability. The contracts must be activated before the job/event/rental takes\nplace.
A contract should always include\nat least the following details: dates of the contract, parties involved with\nthe contract, services agreed to, (if you’re renting equipment) replacement\ncost of the items being rented, responsibilities and fees exchanged for\nservices, insurance requirements, the responsibilities of each party to the\nother, (if you’re renting equipment) what happens if rented gear is damaged,\nstolen, or not returned in the same condition at the time of pick-up,\nsignatures/dates of both parties to activate the contract. The contract is a legal document, so we\nrecommend that the rental agreement should be reviewed by both parties’\nattorneys before implementing them.
Monday – Friday\n8:30am to 5:30pm
We are located in\nCalifornia, so we are in Pacific (West Coast) Time zone.
Athos is proud to be\nSharegrid’s exclusive insurance partner. \nAthos provides the short-term and annual insurance made available on\nSharegrid’s website.
","CategoryName":"General Info"},{"ID":87,"Title":"How can a Rental House become a marketing partner with Athos?","Description":"Please email us at service@athosinsurance.com to inquire about being a marketing partner\nwith Athos. We thrive from long and\nhealthy partnerships!
Please email us at service@athosinsurance.com to inquire about our Damage Waiver Program. This is something we have implemented\nsuccessfully with many eligible business and/or websites wanting to offer this\nto their customers.
There are 2 main\nreasons for extra security when applying:
1) At Athos, we want to make sure all\npolicyholders are true to the identity of the applicant details. This is also to protect the rental houses and\nequipment owners who depend on applicants to be truthful when applying for\ntheir insurance policies.
2) You may be asked to provide more details\nabout rental houses and limits per rental house. Since our process is quick to purchase and\nissue certificates (within minutes), we want to make sure your equipment limits\nare accurate before submitting your certificates to your vendors. This may seem somewhat backwards, but it will\nsave you a lot of headache and liability if you underinsure yourself. If you underinsure yourself and have a total\nloss, the rental houses can come after you personally for the balance.
No, all policies have\nto be renewed by you each year. This can\nbe done online or by paying with a cheque in the mail upon receiving your\nrenewal quote. At Athos, we do not store\nany credit card information, and we do not automatically renew policies by\ndefault.
Some policies (such as General Liability or Professional Liability) may offer an auto renewal. However, an Athos team member will always reach out to you before your renewal date to confirm if you wish to renew or not. This will be done before the insurance carrier auto renews the policy.
","CategoryName":"General Info"},{"ID":91,"Title":"How do I make changes to my equipment renewal policy","Description":"60 days before your renewal date, all eligible accounts will\nreceive a renewal quote. You can either\nrenew directly online or by paying with a check in the mail. However, if you wish to make changes, you can\nlog into your account and do the following:
For policies with\nGeneral Liability, Auto Liability, Umbrella, Excess, Workers Compensation,\nProfessional Liability (or Equipment combined with any of these coverages),\nplease email service@athosinsurance.com with the following:
Yes! At Athos, we happily pick up the phone to\nanswer your questions during our business hours:
Monday – Friday\n8:30am to 5:30pm
We are located in\nCalifornia, so we are in Pacific (West Coast) Time Zone.
Depending on your budget and type of production, you may\nonly need 1 or multiple lines of coverage. Some insurance carriers will package\nmultiple types of coverages, including ones you may not need.
Equipment liability\nonly covers the liability associated with the maintenance, operation or use of\nequipment leased to you by a third party for the purpose of production related\nactivities. In other words, when you\nrent your equipment from a rental house, this type of policy will satisfy their\ngeneral liability requirement. It covers\nthe liability associated with the equipment that you’re renting (i.e. This\npolicy will respond if the gear you rented fell, causing bodily injury to a\nspectator, and he/she sued your production and the rental house for the\ninjuries)
Location Liability\ncovers the liability associated with the rented production location/venue. This\ncovers third party bodily injury claims occurring on the premise of your rented\nproduction location. In most cases, when\nyou purchase a location liability policy, these production policies will ALSO\ncover equipment liability. The only\nexception would be a scheduled location type policy such as a TULIP (Tenant\nUser Liability Insurance Policy).
If your project only\ninvolves renting equipment, and the locations are already covered by another\npolicy (i.e. your school’s insurance), you can simply apply for our Equipment\nFloater (Inland Marine) policy online
https://www.athosinsurance.com/buy-equipment-insurance
From here, you can\nquote, purchase, and issue certificates for all your rental houses instantly\nnaming them as “loss payee”.
All applicants are\nsubject to our immediate online verification system. If you are unable to be verified, we will\nrequire further review (which may take up to a few business HOURS\nmaximum to proceed)
At Athos, we are only licensed to sell insurance to US residents, US\nbusinesses, and individuals in the US through a visa. If you applying for a short-term policy for a\nproduction or equipment rental, and are partnering with a US production\ncompany, you could conduct the entire rental through their company, and that\nwould work for us to insure that other company. \nThis would also require that you have a contract in place with this\nother partner to show the legal relationship.
Otherwise, the proper way to insure your company is to find a broker in\nyour country who can insure you while living there and traveling worldwide.
It is ALWAYS recommended to have a rental contract or service agreement\nto establish legal liability. The contracts must be activated before the\njob/event/rental takes place.
A contract\nshould always include at least the following details: dates of the contract,\nparties involved with the contract, services agreed to, (if you’re renting\nequipment) replacement cost of the items being rented, responsibilities and\nfees exchanged for services, insurance requirements, the responsibilities of\neach party to the other, (if you’re renting equipment) what happens if rented\ngear is damaged, stolen, or not returned in the condition it was picked up in,\nsignatures/dates of both parties to activate the contract. The contract is a legal document, so we\nrecommend that the rental agreement be reviewed by both parties’\nattorneys before implementing them.
If your production company is based in the United States and plans to\nfilm in a foreign country, you will need a foreign production policy. A foreign production policy can include\nGeneral Liability, Equipment, Auto Liability, Workers Compensation, and Excess\nLiability. This can be purchased\nshort-term (1 project) or annual (for multiple foreign productions).
The Athos online equipment policy is worldwide so this coverage does\nnot have to be purchased again on the foreign policy. If you have another\nequipment floater policy (other than Athos’ online equipment policy) please\nconfirm if it includes worldwide coverage.
You can apply for short-term production insurance on our website and\nindicate all your planned stunt scenes. \nThis will allow our underwriting team to review each stunt, and provide the best quote factoring in your planned stunts. You can apply for our short-term production\ncoverage here: https://www.athosinsurance.com/shorttermproductions-insurance\n
If you plan to rent a truck or vehicle for production use,\nyou will need this type of auto liability. This covers your production company\nif the driver causes harm or damage to other vehicles and/or people.
If a third party is injured due to your loading and\nunloading equipment from non-owned and hired autos, this also covers those\ntypes of claims. (Third Party is a non-cast\nor non-crew member)
Non-owned and hired auto liability and physical damage\ncannot be purchased by itself. It has to\nbe added as an option to general liability coverage on a short-term or annual\nproduction policy.
You can apply for short-term production insurance on our\nwebsite here: https://www.athosinsurance.com/shorttermproductions-insurance
\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
You can apply for annual production insurance on our website\nhere: https://www.athosinsurance.com/annualproductions-insurance
General Liability provides coverage for bodily Injury to\nThird Parties (3rd parties are non-cast and non-crew members such as bystanders\nor spectators). Some carriers may include Physical Damage to Third Party\nProperty/Locations if you film at a location less than 7 consecutive days\nautomatically, while others exclude it completely.
You can apply for short-term production insurance on our\nwebsite here: https://www.athosinsurance.com/shorttermproductions-insurance
\n\n\n\n\n\n\n\n
You can apply for annual production insurance on our website\nhere: https://www.athosinsurance.com/annualproductions-insurance
This is a supplementary coverage for your cast and/or crew\nfor production-related injuries if they are not covered by workers compensation\ncoverage. If your budget does not allow\nfor workers’ compensation coverage, we recommend applying for accident medical\ncoverage at the the very least in order to offer some coverage for people\nyou’ve hired in case they suffer a production-related injury or illness.
After a distributor picks up your film for distribution,\nthey will require this policy to cover lawsuits involving defamation, invasion\nof privacy, infringement of copyright, plagiarism (resulting from the content\nof your film), etc.
This policy covers additional limits to supplement an\nexisting general liability policy. If\nyou are working with a venue, city or client that requires very high limits\n(more than the standard $1,000,000 per occurrence and $2,000,000 aggregate\ngeneral liability policy), the higher limits can be achieved through an excess\nliability policy.
If you plan to rent production equipment from a rental house\nor location, Miscellaneous Equipment or Rented Equipment From Others Coverage,\ncovers accidental damage to or theft of equipment and/or props, sets, and\nwardrobes while it is in your care, custody or control.
Please note that some carriers separate Props, Sets, and\nWardrobes as its own separate limit. \nUnder the Athos online equipment program, the Rented Equipment From\nOthers limit includes Props, Sets & Wardrobes in the total limit.
Miscellaneous Equipment allows you to issue certificates\nnaming rental houses as “loss payee”
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If you are hiring crew with equipment, it is recommended\nthat you include their total replacement value of equipment brought on set to\nthe total Miscellaneous Equipment limit. \nThis ensures that if you have a total loss, all “Hired” or “Rented”\nequipment will be covered for your production.
If you are renting a location or space, Third Party Property\nDamage is one of the most important coverages to have. This covers property damages to premises\nrented to you (subject to any deductibles), such as damages to floors, walls, and\nother property damage of the space. Some\nproduction liability policies EXCLUDE Third Party Property Damage, so it’s\nimportant to check your general liability quotes for this coverage.
If you are a facility owner or hosting a sports event with athletic\nparticipants, it’s important to consider purchasing General Liability with\nParticipant Liability coverage. Athletic\nParticipant Liability covers claims made by athletic participants, whereas\nspectator liability only covers claims made by people attending the event (spectators.)
If a participant is injured and sues you (the organizer or facility\nowner) for negligence, your General liability policy will not respond unless\nyou have Athletic Participant Liability coverage.
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If you only purchase Spectator Liability coverage, and rely on the\nparticipants to sign waivers, then this is risky, as waivers do not always\nstand in court. If a participant signs a\nwaiver, he/she can still always take you to court for negligence.
Accident Medical Insurance is a secondary policy available in\nconjunction with your General Liability policy. \nLimits through Athos can be purchased up to $100,000 per person, per\naccident. This is a no-fault based\npolicy that reimburses for medical related expenses, excess of any health\ninsurance and the policy deductible. \nThis policy is effective to prevent small injury incidents from becoming\nlarge lawsuits on the General Liability policy.
JRDA stands for the Junior Roller Derby Association. This is an association and governing body for\njunior roller derby leagues. Athos has a\nspecial program through this association, with discounted rates. You can apply for the discounted rate through\nthe JRDA website after becoming a member:
https://www.juniorrollerderby.org
At Athos, we can help get your private skate park covered if it is\neligible for our carrier’s program. We\ncan offer General Liability (with athletic participant coverage), Accident\nMedical coverage, and Equipment coverage. \nYou can apply for this coverage by completing our skate park insurance\napplication and emailing it back to our office: https://www.athosinsurance.com/skate-parks
At Athos, we can help get your martial arts studio covered if it is\neligible for our carrier’s program. We\ncan offer General Liability (with athletic participant coverage), Accident\nMedical coverage, and Equipment coverage. \nYou can quote and purchase instant coverage online with a credit card by\nclicking here: https://www.athosinsurance.com/martial-arts-insurance
At Athos, we can help\nget your dance studio covered if it is eligible for our carrier’s program. We can offer General Liability (with athletic\nparticipant coverage), Accident Medical coverage, and Equipment coverage. You can quote and purchase instant coverage online\nwith a credit card by clicking here: https://www.athosinsurance.com/dance-studios-insurance
At Athos, we can help get your sports camp covered if it is eligible\nfor our carrier’s program. We can offer\nGeneral Liability (with athletic participant coverage), Accident Medical\ncoverage, and Equipment coverage. Coverage can be purchased for 1 event,\nmultiple events, or on an annual basis. You\ncan quote and purchase instant coverage online with a credit card by clicking\nhere: https://securecampinsurance.com/Athos/Highlights
At Athos, we can help get your sports camp covered if it is eligible\nfor our carrier’s program. We can offer\nGeneral Liability (with athletic participant coverage), Accident Medical\ncoverage, and Equipment coverage. Coverage can be purchased for 1 event,\nmultiple events, or on an annual basis. You\ncan quote and purchase instant coverage online with a credit card by clicking\nhere: https://securecampinsurance.com/Athos/Highlights
If you belong to, or plan to join the Junior Roller Derby Association (JRDA),\nyou can apply for discounted insurance through their website
https://www.juniorrollerderby.org
Athos has arranged for discounted rates for\nthis association.
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If your league is not associated with the JRDA,\nAthos can still offer very competitive rates for junior and adult roller\nderbies. Please email us at service@athosinsurance.com\nto ask for an application.
Yes, Athos can offer roller derby coverage to both junior and adult\nroller derby leagues. Please email us at service@athosinsurance.com\nto ask for an application.
Anytime you are conducting any athletic activities, your organization\nshould ALWAYS enforce a waiver signing system. \nWaivers should also be updated regularly and kept on file.
Currently, the insurance carriers we work with are no longer covering\nunsupervised skate parks. We will update\nthis, if the market changes.
Drones should always be covered by an aviation policy for\nboth liability and hull (property damage) coverage. Annual aviation policies are much more cost\neffective than short-term policies if you want to cover both liability and hull\ncoverage. However, if you’re looking to\ncover simple drone scenes in your production, some carriers can add these to a\nshort-term production liability policy by scheduling the scene onto the\npolicy. The cost to add liability is\nmuch less expensive than adding both liability and property damage for the\ndrone on the short-term production policies.
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You can apply for short-term production insurance on our\nwebsite and indicate the aircraft/drone stunt scene, to inquire about the cost\nto add this scene.
You can apply for our\nshort-term production coverage here:\nhttps://www.athosinsurance.com/shorttermproductions-insurance
Workers Compensation is statutory coverage. It also covers your cast and/or crew\n(including 1099s) for production-related injury claims.
Most people think that hiring Independent Contractors mean\nyou’re off the hook for Workers’ Compensation, but this is not the case. If someone you hire (even a volunteer or\n1099) is injured, and he/she cannot claim any workers’ compensation coverage\nthrough their own company, he/she can go after the hiring company (your\nproduction company) for the damages.
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We recommend always asking your cast/crew if they are\ncovered by or carry their own workers’ compensation coverage. If not, this cast/crew member should be added\nto your workers’ compensation policy. If\nyou choose not to purchase a workers’ compensation, even if you’re hiring 1099s\nand volunteers, understand the risks involved by not covering them. It may also\nbe a good idea to have signed waivers in place for these 1099s and volunteers,\nalthough this may not always protect you in a lawsuit.
Unfortunately at this time, we are UNABLE to offer General Liability\nInsurance, Auto Liability and Physical Damage, Workers Compensation, or Excess\nLiability for productions involving nude scenes. Nude scenes are defined as those where cast\nmembers are bottomless, topless (females), or showing any private parts. Productions with swim wear or bikinis (with\nboth tops and bottoms) are still eligible for General Liability Insurance, Auto\nLiability and Physical Damage, Workers Compensation, or Excess Liability. If your production has any nude scenes, we\ncurrently can only offer Equipment Insurance coverage (i.e. Rented Equipment or\nOwned Equipment).