Floater Insurance for Sports, Leisure & Entertainment Equipment
From production and studio equipment to a baseball league’s sporting gear, our equipment floater can cover a broad class of business personal property. Rate and benefits are competitive with coverages such as worldwide coverage, earthquake, flood, wind, transit, accidental damages, and more.
Program Highlights
The following highlights apply to all of our eligible equipment classes:
- Includes Worldwide Coverage (Mexico has a maximum $25K sub-limit. Territories where the United States has imposed sanctions prohibiting trade are excluded unless the U.S. Government has given permission.)
- All single items over $5K in value must be scheduled on the policy in order for there to be any coverage for that item (Exception: Rented equipment from others does not need to be scheduled.)
- Coverages Included: All-Risk Peril Form including Earthquake, Flood, Wind, Equipment in Transit, Accidental Damages, Theft, Fire, Smoke, Water Damage and Terrorism Coverage
- Deductible options of $250, $500, $1000 & $2500 available (Higher deductibles decrease premiums)
- Admitted Carrier A.M. Best Rated “A” Excellent XIV
- All Equipment Floater Policies Can Be Purchased Online
Optional Coverages
- Interior/Exterior Plate Glass Coverage
- Rental Reimbursement (if owned equipment)
- Work Tools and Clothing
- Continuing Rental Fees (if rented equipment)
- Rented Equipment From Others
- Rented Equipment To Others
- Voluntary Parting & False Pretense (if rented to others)
- Business Income and Extra Expense
Eligible Equipment Classes
Sports, Leisure and Recreational Equipment
Sporting goods and equipment, gym and fitness equipment, business personal property, tenant improvements, sport event property, race timing machines, racing chips, banners, office personal property, ROTC related equipment, and any related Sports & Recreational equipment.
- Annual Coverage
- Maximum Limit $750K ($150K per item)
- Replacement Cost Basis
- Minimum Premium $225
Production and Entertainment Equipment
Cameras, camera equipment, sound, audio visual, lighting and grip equipment, communications equipment, portable electric equipment, editing and projection equipment, office personal property, generators, mechanical effects equipment, props, sets, wardrobe, event equipment, theatrical equipment, computer equipment including desktops, laptops and monitors, and all similar personal property and related.
- Annual Coverage
- Maximum Limit $750K ($150K per item)
- Replacement Cost Basis
- Minimum Premium $375
Musical Instruments and Sound Equipment
Musical Instruments, sound equipment, vintage musical instruments, similar personal property, office personal property, and other related musical equipment.
- Annual Coverage
- Maximum Limit $750K ($150K per item)
- Classical Musicians & Musical Groups
- Amended Replacement Cost-Musical Instruments
- Replacement Cost Basis-Non-Musical Instruments
- Minimum Premium $200
Short-Term Rented Equipment
Any of the above equipment classes rented for short-term use. Policy can include the rental company as loss payee.
- 1 day to 11 months of coverage
- Maximum Limit $500K ($150K per item)
- Replacement Cost Basis
- Minimum Premium $160