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Equipment Loss and Damage Reserve Calculator

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StudioHero Calculator

Equipment Loss & Damage Reserve Calculator

Determine the real cost of uninsurable losses, deductibles, and risk, and calculate the recovery surcharge needed on your rental rates.
Note: To calculate savings for normal wear and tear or aging equipment, use the Equipment Replacement Reserve Calculator.

Inventory & Loss History

USD
Replacement value of all gear.
incidents
Loss, theft, and damage events. 0 if new.
USD
Repair or replacement cost each time.

Risk Profile

%
Share of jobs that leave the building.
x
How much more gear is lost on location.
%
Cosmetic damage and items beneath the deductible threshold.

Insurance & Context

USD
Excess you pay before insurer contributes.
USD
Cost of the policy.
jobs
Bookings or rentals in a year.
USD
Used to work out the recovery surcharge.
x
Cushion above expected loss for a bad year.

Reserve Analysis

Recovery Surcharge
0.0%
Add this to your rates to cover it.
Recommended Reserve
$0
Hold this much for a bad year.
Monthly Set-Aside
$0
Funded across twelve months.
Total Retained Cost
$0
What you pay, not the insurer.
Deductible Cost
$0
Excess across all incidents.
Uninsured Losses
$0
Claims the policy will not pay.
Annual Premium
$0
Cost of the policy itself.
Gross annual loss before insurance $0
Loss rate as a share of inventory value 0.00%
Risk-adjusted loss with location exposure $0
Amount the insurer pays $0
Cost per job $0
Incidents per year 0

Who Pays What

Cost Line Amount Paid By Share of Loss
Insurer Payout $0 Insurer 0%
Uninsured Losses $0 Studio 0%
Deductibles $0 Studio 0%
Annual Premium $0 Studio 0%
Insight: Enter your inventory and incident history to size your risk.
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