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AdWrap: Comprehensive advertising insurance for cost and coverage benefits

AdWrap is an insurance solution for marketing, advertising and promotional content production, offering cost and coverage benefits. Ideal for clients spending over $10 million annually.

Why AdWrap?

AdWrap is a master-controlled insurance program designed to meet the production insurance needs of clients and their contracted production vendors when creating marketing, advertising and promotional content. This program can be tailored to include events, promotions and other related activities, making it a one-stop insurance shop for all marketing and advertising risks.

Unlike traditional insurance solutions, which are often marked up by production vendors, AdWrap ensures you pay only for the coverage and premiums that reflect your own risks and claims record. This provides a more cost-effective and transparent solution.

Key features

  • Tailored coverage: AdWrap offers a broad range of cover options that can be customized to specific campaigns and productions, including live-action, print/press, social media, digital and more. It also extends to in-house content production, ensuring seamless risk management.
  • Expert support: Benefit from the expertise of a dedicated team with extensive experience in the media and entertainment industry. Our team provides full account management services to ensure your vendor relations remain strong and internal teams aren’t overwhelmed.
  • Comprehensive protection: AdWrap includes the widest property, casualty and contingent coverage per production insurance standards, protecting the entire production process from pre-production through to airdate and beyond.
  • Technology-based user efficiencies: Our advanced platform ensures a seamless and efficient user experience, providing easy access to AdWrap and detailed program analytics.

Cost control and transparency

  • Eliminate mark-ups: By purchasing AdWrap insurance directly, you avoid the mark-ups often added by contracted production partners.
  • Consistent coverage: Ensure a consistent level of coverage, in line with your corporate standards and appetites, across all your production projects. You can review individual exposures on a per-project basis.
  • Maximize buying power: Leverage AdWrap’s buying power to obtain the best pricing, service, expertise and coverage for your specific needs.

Coverage summary

  • Producers indemnity: Provides all risks contingent cover for delays due to reasons beyond your control.
  • Non-appearance: Covers costs incurred due to the non-appearance of key personnel, and can be purchased independently if Producers Indemnity cover isn’t needed.
  • Extra expense: Covers additional costs incurred to complete a production in the event of interruption, postponement, delay, or cancellation.
  • Adverse weather: Provides coverage for delays or cancellations due to dangerous weather conditions impacting arrival or departure to the shoot location.
  • Guild travel: Protects against severe incidents involving key personnel per Guild contract obligations.
  • Negative and film media: Covers media-related risks.
  • Production equipment: Protects owned or rented production equipment and materials used in a specific production.
  • Property of others: Covers third-party property damage.
  • Non-owned/Hired auto liability: Provides liability coverage for non-owned and hired production vehicles.
  • General liability: Covers damage to third-party property or persons.

Claims handling

AdWrap is backed by an industry-recognized specialist team known for their outstanding claims service, industry expertise and fast response times. We provide quick and effective support to ensure your claims are handled efficiently.

Servicing capabilities

  • 24/7 support: Access to a dedicated team available around the clock to help with any issues.
  • Global product expertise: Strategically placed global service teams provide a connected network of professionals to manage global activities.
  • Worldwide coverage: AdWrap offers worldwide capabilities, ensuring your production activities are protected wherever they take place.
  • Online platform: A bespoke technology solution supporting user efficiency in declaring production information, calculating premiums, obtaining certificates and providing program analytical data.

Frequently asked questions

Yes. We often see other risk requirements such as photographic weather, death and disgrace, non-owned aviation liability (drones), or event cancellation and liability. These additional covers can be incorporated into a program, usually on an ad hoc basis, or where the need exists, on an annual basis.

No. AdWrap is designed to be purchased annually for multi-production activities. This increases the efficiency of the AdWrap in relation to coverage and pricing.

We have a brief application that can be completed, but we can also provide indicative pricing and coverage with the following information:

  • Estimated annual content production spend
  • Type of productions produced (e.g., live-action, stills, digital)
  • Average production budget and the largest in the past three years
  • Any known claims data for the past three years
We offer multiple financing solutions and will tailor our offerings to your preferred finance requirements. Commonly, programs are paid for on a per-project basis, with an estimated minimum deposit premium, monthly/quarterly, or upfront annual premium.

The AdWrap market includes many U.S. A-rated insurers that actively write these programs. We also have access to the London market for additional support as and when required.

Yes. One of the key benefits of the WTW service solution is that we can provide a global solution, consisting of global insurers and programs or localized policies in key territories. Local legal and country compliance may require certain solutions, but a global AdWrap solution is available to you.

Once cover has been confirmed, claim amounts are usually paid directly to the claimant, and traditional property losses are settled as soon as supporting information is available. For Extra Expense and Contingent losses, where loss amounts are usually higher and more complex, loss adjusters are often appointed to assist in supporting and auditing any loss. These claims are settled once additional filming is carried out following the loss, and settlements are based on actual additional costs incurred, so claim settlement timing will vary based on the specifics of a claim.

Disclaimer

WTW hopes you found the general information provided here informative and helpful. The information contained herein is not intended to constitute legal or other professional advice and should not be relied upon in lieu of consultation with your own legal advisors. In the event you would like more information regarding your insurance coverage, please do not hesitate to reach out to us. In North America, WTW offers insurance products through licensed entities, including Willis Towers Watson Northeast, Inc. (in the United States) and Willis Canada Inc. (in Canada).

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