Coverage

The Coverage tab is the default view when you open Insurance. It shows your headline coverage status and, when you have active policies, a collapsible per-policy breakdown.

Summary cards

• Gear value — total depreciation-adjusted current value of your active gear.
• Insured value — the sum of replacement costs across covered items.
• Coverage % — insured value ÷ gear value × 100. It shows green at 100% and shifts to amber or red as coverage drops.

Underinsurance alert

When your insured value is below your gear value, OneTake shows a warning banner with:

• the gap amount (how much value is uninsured), and
• the number of uncovered items.

Uncovered items list

The page lists every uncovered item. Each row links to that item's detail page so you can add a replacement cost and close the gap.

Full gear table

A complete table shows all active gear with its name, current value, replacement cost, and coverage status.

Per-policy breakdown

When your studio has at least one active policy, a Per-policy breakdown section appears below the gear table. It is collapsed by default. Select the heading to expand it.

When expanded, the breakdown lists one row per active policy. Each row shows:

• the policy name
• the number of items assigned to that policy
• a progress bar showing what proportion of the assigned gear's estimated value has been declared
• a declared percentage — for example, "63% declared" — or "No estimate" when none of the assigned items have an estimated value
• a gap amount when the declared total is less than the estimated total

How the breakdown is calculated

The breakdown is computed from the same active-policy and active-assignment logic used by the per-item adequacy calculation — the numbers reconcile with what you see on individual gear items.

For each active policy, the breakdown totals:

• declared total — the sum of declared values across active assignments for that policy. A null declared value counts as 0.
• estimated total — the sum of the assigned items' estimated current values. Items with no computable estimate contribute 0.
• declared percentage — declared total ÷ estimated total × 100, rounded to a whole number. Null when the estimated total is 0.
• gap — max(estimated total − declared total, 0). Never negative.

Only assignments for in-scope gear are counted. In-scope gear is the same set used by the headline summary — active (non-archived) items. An assignment for a gear item that doesn't appear in the current inventory (for example, archived gear) is excluded from the breakdown.

Policy sort order

Policies in the breakdown are ordered Studio property first, then alphabetically by policy name within each type.

Active-policy filter

Only active policies appear in the breakdown. A policy is active when it is not archived and its effective window contains today. Future-dated policies and expired policies are excluded.

Similarly, an assignment is excluded when its own effective window (if set) doesn't contain today.