What we cover

Advertising Agencies

For today’s ever changing creative and advertising industries, we aim to provide equally creative and diverse insurance policies to cover all situations.

Commercial Film Production

What can go wrong often will go wrong, so you need a precise array of policies to cover as many situations as possible.

Advertising & Commercial Specialists

At Integro we realise the immense pressure you’re under, and appreciate that demanding clients, whirlwind production deadlines, near impossible logistics and constant budget pressures are just some of the everyday occurrences demanding every producer’s attention.

Providing Peace of Mind

Although we can’t change your deadlines, we can provide genuine 24-hour access to cover for all areas of your exposures under the APA/IPA/ISBA Production Agreement, by offering intelligently tailored production insurance on a Worldwide basis. We can provide you with peace of mind when something is lost, breaks or malfunctions or does not arrive on schedule. We will have you back up and running with speed, care and outstanding professionalism, backed by insurers who understand your craft.

Available 24/7

Our service teams will provide you with prompt assistance to review scripts, storyboards, PIBS, budgets and treatments to ensure that the correct insurance cover is in place for each commercial, leaving you to budget with confidence at bid stage

Other brokers boast of fully understanding and servicing commercial film producers, but fall down on service and knowledge, whereas we have a proven track record of consistent service delivery 24/7. We are a highly regarded and experienced niche broker and our team has the experience, knowledge and motivation to ensure that your production insurance needs are completely catered for, with outstanding service response times.

Bespoke Insurance Packages

Integro has a variety of bespoke advertising and commercials insurance packages to cover a range of production risks. Our advertising and commercials insurance policies provide genuine and proven solutions, which have covered many of the biggest A list celebrities and most awarded commercial productions over the last three decades. We explain our cover clearly and concisely, so that you can manage your risk exposures and budget with confidence.

Supporting Award Winning Clients

Our success lies in your success. Our promise is, if the production is interrupted, we will provide the insurance umbrella and all of the support that you will need.

Our clients include many of the top award winning production companies and independent advertising agencies, who value and rely upon our informed insight, speed of service and close working relationship with their key trade associations.

Our Policies

We provide coverage solutions across many different areas of risk tailored to each individual client. No matter what your need, our team can search out the best and most comprehensive package so you don’t have to.

These are just some of the policy areas that we provide for:

A Cancellation/Non-Appearance insurance policy indemnifies the Assured against financial loss should an event be cancelled, abandoned, curtailed or interrupted. It can also cover additional costs in the event of postponement or relocation if either is possible.

Policy covers the following Perils subject to the policy terms and conditions:

  • Death, Accident and illness of Insured Persons
  • Unavoidable Travel Delay
  • Venue Damage
  • Adverse Weather

Separate cover is also available for threat or act of Terrorism including war and/or civil war

Terrorism insurance covers eventualities such as the Cancellation, Abandonment or Postponement of a show due to an Act (or Threat) of Terrorism such as those carried out for political or ideological purposes – this would also extend to include a show being cancelled due to a weapon being used or brandished.

In addition, we can offer the following extensions:

  • Fear of an impending act of Terrorism at the venue on the day of show
  • Strikes, Riots, Civil commotion and War
  • Confiscation: Loss of fee or revenue arising out of confiscation or expropriation resulting in a cancellation
  • Public Sentiment: the event being against public opinion or damaging to the reputation of the policyholder if held in the wake of an act of terrorism
  • Sanctions: Cancellations arising due to an entity other than the policyholder becoming the subject of Sanctions

This policy indemnifies you in the same way as with Employers Liability, except that the case involves a Third Party rather than an Employee (and PL insurance, whilst commercially necessary and often required by contract, is not a legal requirement in most countries).

The definition of an employee has been challenged many times over the years but for your purposes we would propose to treat anybody (at all) who is not a permanent employee as a third party. The Products element is added as a claim arising due to a product can be pursued against the party responsible for its presence at a location, not necessarily its manufacturer. The only distinction is that with products the indemnity limit(s) are in the aggregate over the policy period rather than per occurrence.

This policy indemnifies you in respect of damages awarded plus costs of defending a lawsuit arising due an employee being injured or suffering loss or damage to their property in circumstances for which you are held to be legally liable. Normally, although not necessarily, negligence has to be proven against you.

Management Liability indemnifies the Directors and Officers, or an organisation itself, against losses as a result of legal action brought for alleged wrongful acts of an organisation’s Directors and Officers. Our coverage is intended to protect the assets of the covered individuals and organisations, as well as defence costs arising out of criminal and/or civil actions.

Owned property, or property you are legally responsible for, whether located permanently within office premises or a warehouse/other place of storage, should be covered by an annual policy.

‘On-site’ property (for events etc.), which may be owned but is usually hired, can be covered for replacement cost (or in the case of hired equipment as may be demanded by a supplier) should it be lost or damaged in fortuitous circumstances. Such ‘property’ might include hospitality units, mobile offices or toilets, signage, generators, scoreboards, furniture, office equipment, radios and TV units, trophies and various other items.

This policy enables you to offer your staff some cover as individuals. A Group Personal Accident policy offers Capital and Weekly benefits for Accidental Death/Permanent Disability and Temporary Disability respectively. A Travel policy (which can be purchased in isolation) increases these benefits if such accident occurs whilst the individual is travelling on Company business, plus coincidental holidays, and also provides additional protection in respect of medical treatment, repatriation, loss of baggage, money and credit cards, wasted travel costs, kidnap or hijack, personal liability and the like.

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