Equipment & Production Insurance

A service of United Agencies, Inc

How to Get a Quote for Equipment Rental Insurance

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We want to speak directly to rental house owners or anyone else who plans to rent from a rental house. We receive quite a few calls from rental houses asking about short term equipment rental insurance. Most of them need a quote quickly but are not sure about the best way to get it. Should they get the information themselves? Would it be better to have the client call me directly? Should they go online?

woman calling for short term equipment insurance quoteHere are three different options for getting a quote. They apply to both rental houses referring a client OR renters that wish to purchase short-term equipment rental insurance.

This is the easiest and most straight-forward option. It also happens to be the fastest and most comprehensive as well. It usually takes about 5-10 minutes to work up a quote over the phone. I can then e-mail it to you for immediate purchase and binding. I know that in this fast-paced business world everybody wants an app. However, in this case, there’s no faster or easier than way than a good old-fashioned phone call.

Fill Out an Online Quote Request Form

(Click HERE for Online Quote Request)

While not quite as quick as a phone call, our online quote system is fast and easy. All you have to do is punch in a few key pieces of information and we will email a quote right back to you. We receive your information instantly, and immediately follow up. This works well if you cannot give us a call. So, if you don’t have time to talk or it’s an odd hour, don’t worry. You can request a quote straight from your PC or smartphone any time day or night.

Provide Your Customers with an Estimate

If you are renting to somebody and you tell them they need insurance, their biggest concern is going to be the cost.

They might not want to go through the process of calling me or submitting a quote request online, so I’ll give you some basic package estimates:

  • $100k of Rented Equipment, $1M of General Liability – $923 premium for 12 days of filming
  • Everything above plus Hired Auto Liability/Hired Auto Physical Damage – $1,623 for 10 days of filming
  • Everything above plus $1M of Workers Comp – $3,284 for 10 days

Keep in mind that these are just estimates and subject to change depending on the specific needs of your client.

There are lots of easy ways to contact me for a quick insurance quote. There is simply no excuse for any of your clients, or yourself, for going without insurance. Feel free to reach out any time!

Call Me at (818) 295-2266 for Equipment Rental Insurance

Luke Gelineau United Agencies explains General Liability and Movie Insurance

The Process for Filing an Insurance Claim

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altering an insurance certificateI’ve been blogging about production insurance for a long time, and I can talk about insurance premiums and coverage types until I’m blue in the face. At the end of the day, the insurance claim is where the rubber meets the road. It’s the part of an insurance policy that nobody wants to talk about, but it’s obviously the only reason that insurance exists in the first place!

What if something goes wrong or somebody gets hurt? What if you damage some production equipment or it gets stolen? You would need to file an insurance claim, so let’s talk about how we do that.

Submitting an Insurance Claim Does Not Admit Fault

The most important part about filing an insurance claim is to remember one thing – You are NOT admitting guilt when you file a claim.

I have clients tell me all the time that something happened on set, but it’s not their fault. They don’t feel they should file the claim. They want to wait around for the other party to handle it. I understand this thought process. However, all that you are doing when you file a claim is alerting your insurance company that there has been an issue. We can tell them when we submit it that you weren’t at fault and they will go after the at-fault party directly. They will understand. It’s their job to fight for you and your company. They want to make sure you get treated fairly, so why not let them know as soon as possible so they can join the process early on?

documentsKeep Your Documents

Once you report the claim, you will have to answer quite a few questions from the adjuster. They will want to see your records.

  • Proofs of Purchase
  • Receipts
  • Pictures
  • Invoices
  • Police Reports
  • Medical Bills
  • Any Other Documentation on File

If it is a claim for damage to rented equipment, they are going to ask to see a copy of the certificate of insurance and a rental contract. Make sure you keep all of this stuff on file somewhere, because you never know who’s going to need it!

Once the insurance company has all of the information they need, they start investigating the incident to determine who was at fault and who gets paid. This process can sometimes take a while. It could take around 30 days from first notice to final payout. Some claims even last longer if it turns into a protracted legal battle. Nobody enjoys handling insurance claims. They are almost never easy, and they usually take longer than you want, but it’s the most important part of an insurance policy, so we all want to make sure it gets handled correctly.

Remember that you should never be ashamed or bashful to report an incident to your insurance agent. Keep in mind that it’s one of your responsibilities as the insured to report claims to your agent promptly. If you are filing a report on something that happened a few months ago, it might be difficult for us to explain the tardiness to the insurance company.

It’s my goal as an insurance agent to make the claims process as quick and painless as possible. If you need more information on film production insurance, check out Important Information on Insurance for Film Equipment Rental Houses.

Feel free to contact me to discuss your coverage options!