Media and creative industries

With almost 30 years’ insuring businesses in the media and creative sectors, our portfolio of insured businesses range from one-man graphic designers and cameramen to mid-size event companies and PR firms to major film studios, global advertising agencies, and national news organisations. This breadth of appetite has taught us that no two businesses in these sectors are alike. That’s why we offer a selection of tailor-made insurance solutions to suit the needs of our clients around the world.

Who is it for?

Marketing, advertising and commercial production (business to business)

This offer is tailored to organisations who create and deliver content and provide services for third parties, and is suitable for:

• Marketing, advertising and communications
• Commercial film producers
• Event organisers

This wording caters for the key exposures in this sector including:

• Broad, clear breach of contract including breach of an APA contract and claims for liquidated damages
• Intellectual property infringement
• Negligence
• Breach of confidentiality
• Breach of advertising codes
• Rectification costs prior to a claim
• Coverage for claims against clients

Photographers and camera operators

We also offer a solution designed specifically for photographers and camera operators. This is intended to be a more simplified offering of our marketing wording, whilst still preserving many of the key benefits that these customers most value including:

• Intellectual property infringement
• Negligence
• Breach of confidentiality
• Rectification costs prior to a claim

Multimedia (business to consumer)

We also offer a professional indemnity policy that has been tailored to companies that deliver content they create or acquire to the general public, including:

• Broadcasters
• Publishers
• Film/TV distributors
• Music labels, publishers and artists

This wording includes the following cover as standard:

• Intellectual property infringement
• Negligent publication
• Breach of confidentiality
• Defamation
• Broad coverage for claims against those who distribute your content
• Coverage for claims against employees and freelancers

Influencers and public figures

We’ve created a policy specifically tailored to cover to celebrities, sports people, TV personalities, influencers and other individuals with a public reputation and/or social media following. 

This caters for the exposes typically faced by these people with life in the public eye, including claims for breach of endorsement or promotional contracts

• Influencer and Public Figure Protection

Why Hiscox?

Hiscox have built up decades of experience in this space and have invested in both our underwriting and claims teams to enable us to continue to provide best-in-class service. In addition to this our policies provide the following benefits:

• Automatic cover for an acquired entity
  If the client buys a firm during the course of the policy then that firm is covered automatically, provided its turnover is less than £5 million and no more than 20% of your total turnover and its activities are consistent with your clients current business.
• Work undertaken by sub-contractors and freelancers
  We’ll indemnify your clients against covered claims against them that are the result of work undertaken by a sub-contractor or contractor.
• Your own advertising
  If your client suffers an IP or defamation claim as a result of advertising their own business then our policy will respond. 
• Takeovers and mergers extended reporting period
  If the client is open to acquisition, they have the option to extend their Hiscox policy to cover any past liabilities – potentially making their business more attractive to any buyer.
• Packaged policies
  We can build in other covers required by your client’s including property, liabilities and cyber. We also have a dedicated entertainment team who can provide cover for more specialist covers including, E&O, Advertising Agent Indemnity (AAI) and Commercial Producers Indemnity (CPI).