III. RESPONSIBILITIES AND INSURANCE


A. Agreement with these Rules and Procedures is a prerequisite to using equipment.
B. Community producers are responsible for the NCAC facilities and equipment signed out to them, as well as for the actions of their talent, crew, guests, and any others involved with their production.

C. NCAC has an insurance policy for the equipment while it is used by members. Premiums are paid by NCAC and the policy is in NCAC's name. In the event equipment is damaged, destroyed, lost or stolen, the community producer must cooperate fully with the NCAC Insurance Carrier. The community producer is responsible for the deductible, which is 20% of the amount of the claim with $250 as a minimum and $2500 as a maximum. The community producer may elect to waive this deductible by paying a one-time fee, established annually, for the Deductible waiver fund. In case of theft, in order for the insurance company to honor the claim, the community producer is responsible for the following:

  1. A police report must be filed immediately;
  2. Equipment cannot have been left unattended;
  3. Equipment cannot have been left in a car overnight; and,
  4. There must be proof of forcible entry.

In the event NCAC's claim is not honored by its carrier, and the community producer is found to have failed to take reasonable precautions to protect the loaned equipment, it is the responsibility of the community producer to reimburse NCAC for the full replacement value to be determined by NCAC.