Insurance Protects Us From Stupid Assholes (ourselves)

If you ever run into film production insurance this is what you'll see:

GENERAL LIABILITY: We require One Million dollars of coverage. XXXX must be named as "additionally insured".

AUTO LIABILITY: We require One Million dollars of coverage for Non owned, Hired auto liability coverage, with physical damage. XXXX must be named as "additionally insured".

MISC EQUIPMENT INSURANCE: You must supply replacement coverage insurance for the full value of the equipment rented and name XXXX as "loss payee". The party "named insured" on the insurance certificate is the party renting the equipment. 

IF YOU HAVE NO INSURACE:XXXX offers the following for rentals that have an insurance value of less than $15,000.
YOU MUST HAVE EQUIPMENT INSURANCE FOR - Camera bodies, Camera Lenses and Grip and Lighiting packages valued over 15,000.
YOU MUST HAVE LIABILITY INSURANCE FOR Electrical Tie In Equipment and Car Mounting Equipment:

GENERAL LIABILITY WAIVER FOR XXXX
NOTE: YOU ARE NOT BUYING INSURANCE
(you must pay this additional rental fee if you do not supply XXXX with a general liability certificate of insurance naming XXXX as "Additionally Insured")

COST: 10% of total rental cost. 

WHAT IS INCLUDED IN THE ADDITIONAL RENTAL FEE:
1. XXXX will waive it's requirement for general liability coverage.

WHAT IS NOT INCLUDED IN THE ADDITIONAL RENTAL FEE:
1. You are not buying general liability insurance from XXXX. YOU WILL HAVE NO LIABILITY INSURANCE COVERAGE FROM XXXX (If there was a lawsuit or an accident, XXXX's insurance carrier would represent XXXX only, and nobody else)
2. Automobile liability insurance coverage. To rent a vehicle from XXXX, you must have $1,000,000 auto liability insurance coverage, naming XXXX as "additionally insured."

WHAT IS NEEDED TO RENT WITHOUT LIABILITY INSURANCE:
1. Pay 10% of total rental fee before rental.

You know why this shit exists? Because we're a buncha' fucking litigious assfucks. That if, for example, you were juggling gobo heads or knuckles, if it injured someone, no one wants to get sued. For stupidity. And people in this business are looking to sue. Because it's easier to collect insurance money than to work. By the way, the above doesn't even cover worker's compensation. For which shenanigans like I mentioned falls under. It only protects the gear and its owner from being sued. Doesn't mean YOU won't.

So you want to make movies...