FAQ
CameraPolicy offers property and liability insurance 24/7. Use CameraPolicy to answer questions, pay online with Visa or MasterCard, and check out using our secure payment gateway. Your Policy is automatically generated, and a certificate is available for immediate download. Your insurance is in effect from the date and time you set.Yes! In fact, we encourage you to read and understand our policies. We strongly recommend that you review the wordings, as they define what is or is not covered by your policy. You will find a copy of our policy on our Insurance Wordings pages.Once you have completed a purchase, the policy will be immediately available for download as a PDF. A certificate is also emailed to the address provided during checkout. If the email from SAVINS is not in your email Inbox, please check your junk mail folder. If you are still unable to locate the email, please contact us via Chat found in the bottom right corner of any page on our site.

If you would like to change your Insurance Policy, please submit the form found on our Order Change request page. SAVINS retains processing fees and a 'minimum retained premium' that does not allow refunds once a policy becomes effective. Please read the important information below before submitting your request.

Simple Changes are those which do not affect the premium cost, such as changing the named insured or the address of your Named Location.

Material Changes are those which do affect the premium, such as increasing your limits or requesting a cancellation.

Change requests that require increased premiums are processed manually. A revised certificate will be emailed to you once the policy has been endorsed. The minimum retained premium on any policy is $550. If you cancel your policy only the portion exceeding the minimum retained premium is refunded on a pro-rata basis.

No, anyone can pay for your policy using CameraPolicy. The Payer must ensure that the billing address and contact information entered on the payment page matches the information on file with their credit card company, or the transaction may be declined.No. Each policy must declare a single Named Insured which must be either one individual or a legally incorporated business that has an 'LTD' or 'INC.' in its name.We insure all kinds of owned, rented and leased equipment such as audio visual, production and backline equipment used in the entertainment industry, including cameras and camera equipment, PA systems, sound, lighting and grip equipment, staging and rigging equipment, office furniture, computers, tools and more. If you own a rental business and would like more details on our program, please Contact Us at 604-684-9349 (1-800-988-7868)Each policy we sell covers floater equipment on a World Wide basis. See your policy page for details.SAVINS can provide optional Liability insurance (damage to third party property or bodily injury) if you select and purchase this coverage. SAVINS provides limit options from $1,000,000 to $5,000,000, including legal expenses, and is subject to a deductible per occurrence.When you buy a Liability policy from CameraPolicy it allows you to insure the negligence of your employees (they cause bodily injury or property damage to a 3rd party), but only if your company is incorporated (inc. or ltd.) and entered as the Named Insured. This policy does not cover injury to your employees. Injuries to employees, cast, and crew, is called "employer's liability" and is not part of 3rd party general liability. CameraPolicy does not provide employer's liability online. Please Contact Us for further information.CameraPolicy's commercial general liability protects the Named Insured from claims made against them for causing bodily injury or property damage towards a 3rd party, but only regarding the declared 'Operations' or 'Activities' shown on your policy.Exclusions are those circumstances under which gear is not covered. For a full list of your policy exclusions and conditions, please review the page CameraPolicy Policy Wordings. If the Exclusions are unclear, please Contact Us so that we may clarify the information for you.The deductible is the amount that you, the Insured, will owe if there is a loss, theft or damage that is covered by the policy. The Insurance Company covers the rest of the Replacement Cost Value up to the policy limit. All CameraPolicy claims are subject to a $1000 deductible, payable by the Insured. CameraPolicy does not issue property policies for less than $1000 Replacement Cost for this reason.The deductible applies to each separate incident of loss or damage. For example, if you accidentally knock over a light and break it, and the light breaks a camera on its way down, this is considered one loss incident, so one deductible of $1000 would apply. If there is a speaker damaged or stolen the following day, another $1000 deductible would apply, as this is considered a second incident.In the event of a loss or damage to rented gear, please open a claim

as soon as possible with the details of the loss (date, time, location and property lost or damaged). If the loss involved a crime, contact the local police first and provide us with the police report number. We will file your claim with the insurance company, and it will be assigned to a professional insurance adjuster who will contact you. The Insured (renter) is responsible for paying the $1000 deductible. The Insurance Company will remit the balance of the Replacement Cost Value or the repair costs, to the Loss Payee (gear owner).

You must submit your cancellation request via the Order Change Request

For property, you should buy insurance coverage equal to the 'Replacement Cost' of the property that you own, lease or rent.

Liability coverage limits depends on your operations and exposure. Minimums are sometimes declared on agreements, so please check with vendors and landlords for required minimum Liability limits.

Additional premiums may be charged if an Insured under-insures, misleads the insurer, or miscalculates time-on-risk. Any changes to your policy after you have purchased your Certificate may incur administration fees on top of any increased premium charge.

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