Camino Media applies a fee to cover insurance costs for all applicable equipment and services.

Please note that specific insurance coverage caps can be raised to meet the particular requirements of clientele.  This is performed on a case-by-case basis and subject to increased insurance costs.

Equipment or property is not covered by insurance when left unsupervised in a vehicle (locked or unlocked). Theft as stated below constitutes forced entry/break in to a secure/guarded building or through means of aggression.

It is the responsibility of all the production/film crew to ensure proper due care and vigilance of all pieces of equipment acquired through Camino Media on behalf of the production.  This responsibility extends to the timely processing of requisite paperwork in the case of a claim.

AN OVERVIEW OF CAMINO MEDIA'S EXTENSIVE INSURANCE COVERAGE

NB. These are only guidelines to the regulations of Camino Media’s insurance policy. If required, please ask to see a complete copy of the policy in English or Spanish.

Rushes, exposed negative, recorded materials, and virgin stock 
Miscellaneous equipment 
Props / wardrobe / sets
Additional costs
General / civil liability
Employers’ personal accident liability 
Locations / interiors / exteriors
Third-party property
Production office contents
Character vehicle
Client insurance
Change of insurance guidelines

Rushes, Exposed Negative, Recorded Materials, and Virgin Stock
Up to €20,000 per claim (excess of €1250), maximum €240,000

What is covered?
The financial losses that you might sustain following the deterioration, disappearance or destruction of all virgin or exposed carriers used in your production (film stock, sound or audio-visual tracks and tapes, video tape, DV, digital carriers, together with matrices, inter-positives, positives, work copies, cuttings, fine-grain prints, colour diapositives, cells, drawn works of art and software together with support equipment for creating special effects by computer, etc.).

Cover extends during picture and sound takes, during post-production work (developing, printing, editing, laboratory work, kinescoping, telecine, etc.), storage and also up until delivery for all external causes including accident and theft with break-in or aggression.
We also cover accidental exposure to light.

What is not covered? (other than on special request)
• The use of inappropriate equipment.
• The exposure of virgin or exposed video tapes to extreme temperatures outside your control.
• Mistakes in setting or synchronising picture-taking or sound-recording equipment.
• Climatic or atmospheric conditions.
• The use of carriers that have ‘expired’.
• Delays in deliveries of carriers for use.

Miscellaneous Equipment acquired (entrusted or hired) by Camino Media for the client
Up to €150,000 (excess €500)

What is covered?
All appliances for shooting pictures and recording sound, transmission, reproduction, lighting, including bulbs, generators, mechanical appliances for effects, equipment vehicles and mobile studios used for the production. Accessories, spare parts, flight cases, special cases or flexible covers for the above equipment are also covered.

Against what damage?
• All accidental damage.
• All loss or destruction
• Theft with break-in.
• Short-circuits, power surges and induction.

What is not covered? (other than expressly requested)
• Inexplicable loss or disappearance (inventory defect).
• Snow, rain, water or hail on equipment exposed to the open air.
• Rust, oxidisation, scratches and grazes.
• Mechanical defect, breakdown or jamming that is not consequent upon an accident.
• Wear and tear on the equipment.
• Usage not in compliance with the manufacturer’s recommendations.
• Distraint or legal or illegal confiscation of the equipment to cover contracted debts.
• Delivery of the equipment as collateral even if done outside the knowledge of the insured.
• Electricity variations.

Obligations
• Camera tests.

Period of cover
• During screen-tests where these are carried out by someone authorised by the production team.
• As from receipt of the equipment including during transportation where such receipt is effected by the production team.
• During production.
• Up until return of the equipment including during transportation where such return is effected by the production team.

What will paid in the event of a claim?
• Where equipment is insured by a third party rental company, this policy will apply solely in relation to the difference in conditions.

Props / Wardrobe / Sets
Up to €2,500 per piece (excess €500), maximum €75,000.

What is covered?
All items necessary for carrying through the production, such as decor, costumes, props, furniture and similar objects belonging to you or for which you are responsible.

Against what damage?
• All accidental damage.
• All loss or destruction.
• Theft with break-in

What items are not covered?
• Animals, plants and trees that do not form part of the decor.
• Aeroplanes, boats and railway equipment and other motorised vehicles (cf. character vehicles section).
• Buildings and/or durable constructions that are not specially constructed for the production. (cf. tenant’s civil liability for real property – movie sets – natural decor).
• Banknotes, certificates, cheques, securities, jewellery, precious stones, fine pearls, works of art.

What do we not cover?
• Inexplicable loss or disappearance (inventory defect).
• Wear and tear and inherent defects.

Additional Costs
Up to €48,000 (excess €500)

What is covered?
There is cover for financial consequences that you (the production) sustain(s) following a postponement, stoppage or abandonment of shooting due exclusively to damage to or the destruction or loss of the equipment, decors, or property, consequent upon a claim covered by the other categories of cover under this policy.

What is not covered?
• Damage resulting or deriving from insects, vermin or latent defects, wear and tear, deterioration, atmospheric humidity, extreme changes of climate, shrinkage, evaporation, a loss of weight, leakage of contents from a breakage of glass or fragile materials, unless such damage is caused by an insured event.
• The effects of bad weather on items left out in the open.
• Electrical damage, excepting lightning, causing damage to electrical apparatus, except if a fire should ensue and, in such a case, only the consequences caused by such fire.
• Inexplicable loss or disappearance (inventory defect).

Period of cover?
• Only during the production.

General / Civil Liability
Up to €1,250,000 (excess €500)

What is covered?
We cover you for such sums as you might legally have to pay to third parties by reason of damage for which you might be held liable by dint of persons (actors, technical crew, extras, etc.), real property or animals that are under your custody and/or that is imputable to the carrying-out of the production insured as described in the particular conditions.

What is not covered?
• Liability arising from the usage of motorised vehicles (aeroplanes, boats, trains , etc…)
• Property owned or for which the Insured is responsible capable of being insured under other sections of this contract.
• Consequential loss not resulting from a covered damage.

Employers’ Personal Accident Liability
(per person) Up to €150,000

What is insured?
Accidents sustained by employed individuals working as freelancers during the period of the insured event.

What is covered?

DEATH
Bodily injury caused by an accident during the event directly resulting in immediate death or within 36 months from the date of such accident.  Capital sum 75.000 €.

PERMANENT TOTAL DISABLEMENT
Bodily injury caused by an accident during the event directly resulting in permanent total disablement within 36 months from the date of such accident. Capital sum – scale benefits depending on the degree of incapacity - up to 150.000 € (67% incapacity equal 100%).

TEMPORARY TOTAL DISABILITY
Bodily injuries caused by an accident during the event directly resulting in temporary total disability. Capital sum 15.000 € per year, maximum period of compensation two years.

MEDICAL EXPENSES
In addition to the above medical expenses necessarily incurred the following bodily injury caused by an accident during the event will also be paid. Sum Insured 25.000 €

What is not covered?
• Participation in air travel as a passenger other than on a regular airline or air route.
• Private participation in a fight or an act known to be dangerous or acrobatic, placing the life of the Insured Person in danger, unless such acts are carried out in the course of an attempt to rescue a person or in the case of a legitimate defence.
• Participation in the sports of boxing, scuba diving, wind-surfing, bobsleding, mountaineering, caving, big game hunting, hand gliding, skateboarding, shooting and horseriding.
• Participation in a criminal offence.
• The use of narcotics medicines or drugs other than as prescribed by a doctor.


Locations / Interiors / Exteriors
Up to €1,250,000 (excess €500)

What is covered?
Only damage to the buildings you are occupying for the shoot, for which you are held legally liable.

Against what damage?
• Fire.
• Electrical damage.
• Water damage.
• Glazing breakage.

What is not covered?
• Liability for damage to or the destruction of automotive vehicles, aircraft, boats, trains or railway equipment when such vehicles are in motion.
• The buildings, natural scenery, previously insured for third-party tenancy liability.

Period of cover?
• During set-up, assembly and dismantling operations.
• During production.

Third-Party Property
Up to €75,500 (excess €500)

What is covered?
All sums that you might legally have to pay in compensation of loss, damage or destruction and theft, of the property of third parties entrusted to you during the insured event including decorations, furnishings and other amenities within property occupied for the purpose of the insured event.

What is not covered?
• Loss or damage resulting from, unexplained loss or mysterious disappearance (inventory defect).
• Property rented by the Insured capable of being insured under other sections of this contract.


Production Office Contents
Up to €15,000 (excess €500)

What is covered?
• The items inherent in the occupation of the production offices. These items do not necessarily have to belong to you to be covered, but must be necessary for production needs.
• Furniture.
• Computers, equipment and furnishings not insured elsewhere.
• Fixtures.

Against what damage?
• All accidental damage.
• All loss or destruction.
• Theft with break-in.

What is not covered?
• Inexplicable loss or disappearance (inventory defect)
• Snow, rain, water or hail on equipment exposed to the open air.
• Rust, oxidisation, scratches and grazes.
• Mechanical defect, breakdown or jamming that is not consequent upon an accident.
• Wear and tear on the equipment.
• Usage not in compliance with the manufacturer’s recommendations.


Character or Prop Vehicles 
Up to €50,000 (excess €1,000)
What is covered?
Damages to character vehicles for which you are legally liable once they are on the shooting location and/or when they move along and/ore are moved from one shooting place to another.   Coverage applicable to accidental damage, destruction, and burglary or theft with threat, use of false keys, climbing or deception.
What is not covered (unless specifically requested)?
• Civil liability for character vehicles.
• Damages caused by or being directly or indirectly the consequence of stunts and/or special effects.
What is not considered by the present as prop vehicle?
Boats, planes, helicopters, trains tramways, metros and generally speaking every vehicle that is not intended to be used on the ground or on a road.
Period of cover?
From the moment vehicles are made available to the production, through the production, and until returned to the producer.
Production Vehicles Note:
In accordance with Spanish legislation, all production vehicles provided in Spain carry their own individual insurance coverage for damage.  This cost is included in all quotes.


CLIENT INSURANCE

Camino Media endeavours to provide full insurance coverage to its productions carried out exclusively by Camino Media for turnkey delivery. 

Camino Media, working as service provider for another production entity, herein called the client, only undertakes to cover those people contracted to work through Camino Media for the client. Camino Media cannot provide cover for those people, and the actions of said people, working directly for the client or third parties unrelated to Camino Media unless specifically arranged for in advance.  Please read on for an explanation and options.

Although Camino Media has full and extensive insurance cover, its production service clients are still expected to have their own insurance to cover all equipment, materials and/or property acquired (entrusted or hired) by Camino Media on behalf of its clients and their employees/crew as well as full general and employers’ liability insurance in addition to coverage for additional costs regardless of their cause. 

In case of damage to, or theft of, property, equipment or materials acquired (entrusted or hired) by Camino Media for the client during the period of the contract due to the actions of those not contracted through Camino Media or a personal claim against those working directly for the client or third parties not related to Camino Media, the client assumes full responsibility and his insurer full liability.  In the case where there is unclear, questionable and/or shared responsibility between a person/persons contracted through Camino Media and persons working directly for the client and/or third parties unrelated to Camino Media, then Camino Media will consider the possibility of shared liability. Camino Media will submit to the investigation of both insurance companies and their subsequent decisions on how the liability must be apportioned.

Likewise, in the case of additional costs or general liability where there is responsibility  for damage to third party persons or property resulting directly from the activities of the stated work, then Camino Media will only cover the costs or liability as specified above for services contracted through Camino Media.  The client assumes full responsibility and his insurer full liability for coverage of crew contracted through Camino Media in the performance of activities or settling of claims in excess of or not covered by Camino Media’s insurance policy.  In addition, the client assumes full responsibility and his insurer full liability for those working directly for the client and/or third parties not related to Camino Media.

Alternatively, Camino Media can name production service clients on its policy, thus extending its general liability coverage for the duration of a production.  Interested clients need request this coverage extension in writing and understand that it carries an additional cost which is dependent on Camino Media’s overall production budget and the nature of the production. 

Camino Media can also extend its additional costs and/or employees/crew liability to cover the client.  Interested clients need request this extension in writing and understand that Camino Media’s insurance company will require further information such as a production crew summary and a statement of the total production budget in order to determine the cost for this coverage.  


CHANGE OF INSURANCE GUIDELINES

Camino Media publishes these guidelines of its insurance coverage in good faith and for the convenience of clients.  Nonetheless, Camino Media cannot be held liable for changes made to these guidelines without prior notification.