Scheduled Cameras (still or video), photographic equipment, film, laptops and related equipment (lighting, memory cards, flashes, etc.).
Editing equipment, computers, and office equipment that remains inside (does not include laptops or portable hard drives).
Automatic coverage for property of others, temporarily in your possession, up to $15,000, higher limits available for additional premium.
$25,000 automatically included in coverage. Additional limits are available for extra cost.
If you have a need for rental equipment during the time you are waiting for replacement or repair of your scheduled equipment, and upon approval of your claim, your rental costs are covered.
This covers your scheduled equipment (including rental equipment) in your vehicle as long as the windows, doors and other compartments are locked and there are signs of forced entry.
This covers your scheduled equipment (including rental equipment) should there be no signs of forced entry. There is an additional premium for this endorsement which is based on your owned equipment values plus rental limits.
PLEASE NOTE: This is only a partial description of the policy. Policy coverage’s and benefits are subject to the terms, conditions and exclusions contained in the policy. If any conflict exists between these highlights and the policy, the policy will govern. For complete provisions, including exclusions, please refer to the policy itself.
General Liability is one of the core policies that no business should do without. From slip and fall accidents to slander and copyright infringement, Hays offers the critical protection to keep those pesky lawsuits from becoming a financial drain. A General Liability policy typically provides coverage for the following:
This will cover claims if third parties sustain an injury from your professional services. For example, your client slips and falls in your studio.
This will cover the costs of damage to a third party’s property caused by you or your employee.
This protects you should someone claim that your business caused them damage that isn’t physical. These can arise from claims alleging: libel, slander, disparagement, invasion of privacy, copyright infringement, and misappropriation of advertising ideas.
Coverage is extended to employees and temporary workers if they are acting on behalf of the insured.
Defense expenses are covered up to the chosen policy limit and minus any deductible.
Pays the applicable medical costs if an individual is injured and needs medical treatment due to an accident on your premises.
PLEASE NOTE: This is only a partial description of the policy. Policy coverage’s and benefits are subject to the terms, conditions and exclusions contained in the policy. If any conflict exists between these highlights and the policy, the policy will govern. For complete provisions, including exclusions, please refer to the policy itself.