What we cover
Leaders in Media, Film & TV
As one of the UK’s leading media, film and television insurance brokers, Integro offers specialist media insurance services. From production companies to post production and digital media companies, we have all areas of the industry covered.
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:
This policy indemnifies the insured against financial loss (usually by way of refund of sponsorship money) should the scheduled TV broadcast air-time be reduced in whole or part. This compliments the contingency policy but does not overlap in that it only covers a TV-related problem, not reduction in transmission brought about by a suspension in play. Please note that most insurers only offer this cover in conjunction with Contingency, not on its own.
What is covered
Dependant on the scope of transmission and the insured’s risk, but the following can be covered:
- Loss of signal at venue
- Up-link failure
- Inability to make available an acceptable feed to overseas channels (including down-link)
The risk is higher with terrestrial broadcasts, where air-time can reduced by strike action on the part of technicians (the BBC strike in 1989 significantly reduced coverage of the PGA Golf Championships and World Snooker Championships) or pre-empted by the sudden occurrence of a major event (such as a royal death), but in most cases satellite transmission and involvement of specialist networks limit the risks to those of a technical nature.
Information needed to quote
- Limit (or sub-limit) required.
- Broadcast schedule *
- Basis of cover required, noting perils that can be covered above.
* This concerns not only airtime as scheduled by the host broadcasters, but also as provided to overseas networks.
This insurance is most effectively (and with some insurers can only be) placed in conjunction with Contingency. It should be arranged in isolation only in exceptional/large cases.
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.
Integro continue to give Kudos great support on all our drama productions – both internationally & in the UK. Whether it’s snow, accidents on set, or just plain advice, we couldn’t ask for better insurance cover.
As a film company we often have unusual requirements at short notice, such as insuring helicopter shoots in remote locations, but Integro always respond promptly and effectively to our needs.
Whether it’s for office insurance, a pilot half hour show or a high end drama like Sherlock, the attention and guidance we receive from Integro when putting cover in place is the same. You know everything will be explained to you, in person, all eventualities discussed and covered. With Integro we feel we’re in very safe hands.