The two types of Commercial/Advertising Insurance we provide are a Commercial Producers Package and Advertising Agency Indemnity. More information on both can be seen below.

Commercial Producers Package

Cast & Crew (not in front of camera)
Provides cover for any cast & crew whom are not appearing in front of camera and are contracted to work in a declared production. Indemnity is paid for additional costs incurred as a result of a declared person being prevented by their death, injury or sickness occurring during the period of insurance, from commencing, continuing or completing their respective duties or performances.

Extra Expense
Provides cover for losses the Insured sustains as a result of extra expenses the Insured incurs in the event of the interruption, postponement or cancellation of a production as a direct and sole result of any cause beyond the control of the Insured.

Negative/Faulty Perils
Provides cover for the costs of repairing and/or replacing raw film or tape stock exposed film (developed) as a result of damage or destruction caused by an insured peril during the course of filming, processing, transport or storage up to the time of delivery.

Props, Sets & Wardrobe
Provides cover for the value of props, sets & wardrobe and/or camera and related equipment, owned or rented by the Insured which is lost, damaged or destroyed during the term of cover while such property is used in connection with the declared production.

Miscellaneous Equipment
Provides cover on rented or owned camera, camera equipment, sound and lighting equipment, post production and editing equipment, portable electric equipment and generators, mechanical effects equipment, grip equipment, and similar miscellaneous equipment against all risk of direct physical loss, damage or destruction occurring during a covered production, including loss of use to a rental company (if requested)

Third Party Property Damage
Provides cover for loss of use of property of others for which the Insured is legally liable. Coverage Extension includes cover for Continuing Hire Charges incurred as a result of an Insured Loss.

Office Contents
Provides cover for the value of the business personal property including furniture, fixtures equipment and supplies owned by the Insured, or which is the property of others for which the Insured is liable and which is lost, damaged or destroyed during the term of coverage.

Provides cover for money and securities used in connection with the Insured Productions

Commercial Vehicle Physical Damage
Provides cover for the value of motor vehicles in connection with the declared production, which are the property of others for which the Insured is liable.

Optional Coverage Extensions (available on request)

  • Non Appearance of Persons or Animals in front of Camera.
  • Non Appearance of a Special Prop e.g. Car to be featured in Car Advert.
  • Animal Mortality
  • Employers/Public Liability Insurance
  • Foreign Unit Travel Insurance
  • Comprehensive General Liability/Non Owned Auto Physical Damage & Non Owned Auto Liability(U.S.A. Filming).

Advertising Agency Indemnity

Production and Campaign Insurance
This provides cover for additional costs incurred as a result of losses arising from the delay or cancellation of filming due to illness or incapacity of any contracted talent or non appearance of any materials e.g. special props or products provided by the Agency and/or the Client.

This also provides cover through cancellation or abandonment of filming due to the public disgrace of a featured artist. Celebrities must be underwritten on a prior declaration basis.

This can also cover the loss of any declared Airtime Expenditure & Media Costs as a result of an insured peril.

Negative Storage
This covers the Agency for Loss or Damage to the negative/videotape/master on all risks basis whilst the negative is being worked upon or transported by third party companies or individuals when it is under the agency’s care, custody and control.

This cover includes the safe keeping of the negative/videotape/master material after the completion of the contract by the Production Company or individuals at a time when it is under the Agency’s care, custody and control in accordance with relevant contract conditions.

Optional Extra Coverage’s which may be arranged separately

  • Death & Disgrace of a Celebrity
  • Livestock/Bloodstock-Animal Mortality Insurance
  • Reasonable Photographic Conditions/Sunshine Cover( Weatherday Insurance)
  • Advertising Agents Errors & Omissions Insurance
  • Employers/Public Liability