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Film Coverage Form—Archived Article
CM 00 45 provides coverage for exposed motion picture and video tapes, sound tracks and other sound records. This article analyzes the form and its coverages.
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Commercial Inland Marine Program
Summary: The film coverage form (CM 00 45 03 10 ) provides broad coverage for exposed motion picture and magnetic or video tapes, including sound tracks and other sound records. Any person or firm engaging in commercial production of motion picture films or the commercial recording of magnetic or video tapes is eligible for coverage. Like the other coverage forms in the current Insurance Services Office (ISO) commercial inland marine program, the form is combined with a declarations page, common policy conditions form (IL 00 17 11 98 ), and inland marine general conditions form (CM 00 01 09 00 ) to make a policy. Following is a discussion of the form and changes that appear in the newer 2010 form.
Topics covered:
Introduction Insuring agreement Property not covered Causes of loss Collapse Exclusions Limits of insurance and deductible Additional conditions
Introduction
The film coverage form is for those engaged in the production of commercial films or in commercial recording of magnetic or video tapes. It may be written on a reporting or nonreporting basis, and restricted to certain locations. When written on a nonreporting basis, form CM 45 01 09 00 is added. Consult the commercial lines manual (CLM) for rules.
Insuring Agreement
A. COVERAGE
We will pay for direct physical loss of or damage to Covered Property from any of the Covered Causes of Loss.
1.COVERED PROPERTY, as used in this Coverage Form, means:
a.Exposed motion picture film and its sound track or other sound record; and
b.Properly recorded magnetic or video tape and its sound track or other sound record. Tape is considered to be properly recorded if it has been replayed and checked after recording;
when used in the production shown in the Declarations and that you own or have in your care, custody or control.
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