InsureMyEquipment

What InsureMyEquipment does

InsureMyEquipment.com is an online specialty insurance portal serving film, entertainment, music, photography, and videography professionals in the United States. The platform, operated as a division of Heffernan Insurance Brokers (founded 1988, Walnut Creek, California), was established in the early 2000s and offers short-term and annual policies for rented production equipment, owned production equipment, musical instruments, and general liability for small businesses. Underwritten primarily by Intact Insurance and Atlantic Specialty Insurance (A+ rated by A.M. Best), with general liability distributed via Thimble, policies are issued through a fully self-serve web portal that lets customers obtain quotes, purchase coverage, generate Certificates of Insurance 24/7, and submit claims online.

The product surface is organized around four core policy types: Rented Equipment Insurance (starting at $165 short-term, $340 annual, up to $750,000 in online limits), Owned Equipment Insurance (starting at $300 semi-annual, $340 annual, up to $750,000), Musical Instrument Insurance (annual, up to $500,000), and General Liability (starting at $5 for short-term or monthly coverage). Add-on endorsements cover drones (non-operational), false pretense, rental reimbursement up to $30,000, loss of use, water use, and theft from unlocked vehicles. Platform features include automatic COI delivery to integrated rental marketplaces (ShareGrid, KitSplit), Stripe-based identity verification on first purchase, and a claims dashboard that assigns a dedicated adjuster within two business days.

The business model is product-led: customers transact entirely online with no agent required for policies up to $750,000 in limits, paying premiums in full at the time of purchase by credit card. Distribution relies on more than 100 rental house partnerships (including Adorama, Bexel, BorrowLenses, LensRentals, ShareGrid, and Quixite Studios), peer-to-peer platform integrations, and industry memberships in ESTA and PERG Rental Guard. Revenue is generated through premium origination and carrier commissions, with the parent Heffernan Insurance Brokers reporting corporate revenue exceeding $100 million across approximately 450 staff in 10 branch offices. InsureMyEquipment's service center is located at 757 S Alameda St Unit 350 in Los Angeles, and the platform carries a 4.9/5.0 rating based on 87 Google reviews.

Name

InsureMyEquipment

Legal name

InsureMyEquipment.com

Website

https://insuremyequipment.com

Company type

Private

Founded year

2000

Operating status

Operating

Short description

InsureMyEquipment.com is an online insurance portal offering short-term and annual equipment policies to film, photography, videography, music, and entertainment professionals across the United States, operating as a division of Heffernan Insurance Brokers.

Ownership category

akta.pro rank

Product category

Specialty Equipment Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Equipment insurance
• Production insurance
• Film equipment coverage
• Musical instrument insurance
• General liability insurance

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Equipment Insurance Premiums: Short-term and annual insurance policies for rented equipment, owned equipment, and musical instruments. Premiums are based on equipment value, coverage duration, deductibles, and additional coverage options. Payment is full at time of purchase via major US credit card.
2. General Liability Insurance: General liability policies offered through partnership with Thimble for short-term or monthly periods. Provides foundational coverage essential for businesses.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

InsureMyEquipment.com is an online insurance portal offering short-term and annual policies covering rented equipment, owned equipment, and musical instruments for film, photography, music, and videography professionals. Policies are underwritten by carrier partners Intact Insurance and Atlantic Specialty Insurance (Rated A+ by A.M. Best), with General Liability coverage offered through Thimble. Customers self-serve online to generate quotes, purchase policies, and issue Certificates of Insurance (COI) 24/7, with claims handled online and assigned to a dedicated adjuster within two business days.

Product overview

InsureMyEquipment.com is an online insurance portal offering specialized equipment insurance for the production and entertainment industries. The core products include Rented Equipment Insurance (short-term or annual, up to $750,000), Owned Equipment Insurance (6-month or annual, up to $750,000), Musical Instrument Insurance (annual, up to $500,000), and General Liability Insurance (through Thimble partnership). Additional offerings include KitSplit Insurance and ShareGrid Insurance for peer-to-peer rental platforms, plus optional add-ons such as False Pretense Coverage, Rental Reimbursement Coverage, Loss of Use Coverage, Water Use Coverage, and Theft from Unlocked Vehicle Coverage. The platform provides a self-service portal for obtaining quotes, purchasing policies, generating Certificates of Insurance, and filing claims.

Differentiator

Problem solved

Functional benefit

Products and services

• Rented Equipment Insurance Insurance coverage for production equipment rented from rental houses or individuals, available as short-term (starting at $165) or annual policies (starting at $340) with coverage limits up to $750,000, worldwide coverage, instant Certificate of Insurance generation, and customizable deductibles. Targeted at filmmakers, DPs, editors, and production companies.
• Owned Equipment Insurance Insurance coverage for owned, financed, or leased production equipment, available as 6-month (starting at $300) or annual policies (starting at $340) with coverage limits up to $750,000, optional rented equipment coverage, and worldwide protection. Targeted at professional photographers, videographers, and production companies.
• Musical Instrument Insurance Annual policy coverage for owned musical instruments and recording/editing equipment, with a maximum online limit of $500,000, worldwide coverage, and optional add-ons such as water use coverage, theft from unlocked vehicle coverage, and rental reimbursement. Deductibles range from $250 to $5,000. Targeted at professional musicians, producers, and audio engineers.
• General Liability Insurance Business liability coverage provided through partnership with Thimble, including $1 million per occurrence, $2 million aggregate, and $100,000 damage to rented premises. Available for short-term (starting at $5) or monthly terms. Not available in Washington state. Targeted at production businesses and creative professionals.
• KitSplit Insurance Specialized insurance for gear rented through the KitSplit peer-to-peer rental platform. Policies start at $5 for gear valued $10–$5,000, $50 for $5,001–$20,000, and $150 for gear over $20,000. Coverage is customizable to exact rental dates. Targeted at small businesses and professionals using the KitSplit marketplace.
• ShareGrid Insurance Tailored insurance for photography and videography equipment rented through ShareGrid. Covers damage only or damage and theft protection, with optional drone coverage up to $3,500. Coverage duration ranges from days to a full year. Targeted at photographers and filmmakers using the ShareGrid peer-to-peer marketplace.

Quantifiable outcome

• Coverage available starting from $165 for short-term rented equipment policies
• +2 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Intact InsurancecoreStrategic or Co-development PartnerIntact Insurance is the primary insurance carrier partner providing customized coverage for the production and entertainment industries through InsureMyEquipment.com.
• Atlantic Specialty Insurance (Rated A+ by A.M. Best)coreStrategic or Co-development PartnerAtlantic Specialty Insurance provides insurance coverage through InsureMyEquipment.com. Rated A+ by A.M. Best for financial strength.
• ThimblecoreStrategic or Co-development PartnerThimble provides General Liability coverage through InsureMyEquipment.com, offering short-term or monthly policies for businesses needing liability protection.
• Heffernan Insurance BrokerscoreStrategic or Co-development PartnerHeffernan Insurance Brokers is the parent company that developed InsureMyEquipment.com as a division. Headquartered in Walnut Creek, California, with revenue exceeding $100 million and approximately 450 staff members.
• Rental House PartnerscoreChannel Partner/ Reseller/ DistributorOver 100 rental house partners nationwide including Adorama, Bexel, BorrowLenses, LensRentals, ShareGrid, Quixote Studios, and many others. Partners receive listing on IME website, easy COI verification, and discount codes for their customers.
• ESTA (Entertainment Services and Technology Association)minorGTM or Marketing PartnerInsureMyEquipment.com is a sponsor of ESTA, providing visibility in the entertainment industry and access to fraud prevention through the Rental Guard program.
• PERG Rental GuardminorGTM or Marketing PartnerInsureMyEquipment.com is a member of PERG Rental Guard, enabling access to theft notifications and ability to report suspicious customers across the industry.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Hiscox Insurance: Hiscox is a specialty insurer widely used by creative professionals, photographers, filmmakers, and small businesses for professional liability and equipment coverage. It overlaps with IME on equipment and GL coverage for the same creative-professional buyer, but operates via traditional agency/brokerage channels.
• Markel Insurance: Markel is a specialty insurer with a long-standing entertainment and production practice underwriting equipment, film, and event risks. It serves larger productions and competes with IME for higher-limit and enterprise production accounts where IME's online $750K ceiling is insufficient.
• CoverWallet: CoverWallet is a digital insurance brokerage providing online quotes and policy management across multiple commercial lines for small businesses. It competes broadly for the same digital-first, service-oriented SMB insurance buyer that IME targets.

Direct peers

• Next Insurance: Next Insurance is a digital, SMB-focused insurance carrier selling liability, professional, and commercial coverages online to small businesses and freelancers, including a strong base of creative and service businesses. It competes with IME's self-serve, digital-first positioning for the same production and freelance buyer.
• Insureon: Insureon is an online insurance marketplace that aggregates quotes from multiple carriers for small businesses, including liability and commercial coverages. It overlaps with IME's self-serve digital acquisition model and competes for the small-business buyer needing quick, online-bound coverage.
• Thimble: Thimble is a digital Insurtech offering short-term and on-demand general liability and small business insurance to freelancers and small businesses. It is both a partner (provides IME's GL product) and a direct competitor in the short-term, SMB digital insurance space, with overlapping self-serve UX and target customers.
• Full Frame Insurance Services: Full Frame Insurance Services specializes in photography, videography, and film equipment insurance for individual and small-business creative professionals. It directly competes with IME on owned and rented camera/gear coverage for photographers and videographers.
• MusicPro Insurance: MusicPro Insurance is a specialty broker providing musical instrument and sound equipment coverage to professional musicians, similar to IME's musical instrument product. It targets the same niche buyer (musicians, audio engineers) with comparable instrument-specific protections.
• SkyWatch.AI: SkyWatch.AI is an Insurtech providing on-demand drone hull and liability insurance for drone operators. IME explicitly refers customers to SkyWatch for operational drone coverage, making it a complementary/competing specialist in an adjacent slice of IME's product portfolio.

Others

• Slice Insurance Technologies: Slice is an Insurtech infrastructure/cloud-based platform that enables digital insurance products and embedded distribution for partners and agents. It functions as a technology enabler adjacent to IME rather than a direct competitor, but both serve the digital, niche-line insurance distribution trend.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/InsureMyEquip
• Facebookfacebook.com/InsureMyEquipment

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about InsureMyEquipment