OUR SERVICES
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We have been supporting the entertainment industry for more than a decade, so we know the show must go on. We understand entertainment is an industry that lives and dies on being avant-garde. The subtitle for avant-garde is risky. Our job is to be your safety net, so you have the freedom to get on with your job wherever whenever and however you require. To that end, we have developed carefully structured and affordable insurance products, covering all your equipment from the moment it departs the warehouse until it safely returns. A true end-to-end, seamless cover. We have programs that exactly fit every facet of the entertainment business.
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Do you know all the risks and the best way to manage your transport / logistic business? We do. Assessing your requirements begins with analysing the size of your fleet or storage facilities. There are cross-over risks from the services you provide that need to be carefully integrated in your insurance program and regularly reviewed. So it’s our job to integrate expert assistance across the many businesses that make up the national chain of responsibility. Aggregate deductibles, agreed values, down time cover, preferred repairers, franchise v conventional excess, airside cover, EPS, construction, temperature controlled environments…complex, isn’t it? Weaving all your insurance threads into a strong safety rope is our realm of expertise.
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If you are providing professional advice or service, you need to be protected against all the pot-holes in the road called ‘what happens next’. If your advice to a client could potentially lead them to a financial loss, then your professional indemnity needs to be ready and flawless. We have been managing safe cover of this kind for over thirty years. We know the ropes. We work with a wide range of different industries, each with unique requirements. We never have and never will accept off the shelf policies; all client risks are different and coverage must be tailored. For us, complete cover means ensuring no stone left unturned and no pitfalls. To you, this means complete peace of mind.
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“When the going gets tough…” became a motto for us during a calamity a decade ago – the UMP collapse. Some of you got to know about us by word of mouth then. We heard the applause too. We assisted many doctors to secure retroactive cover for past activities by lining up Lloyd’s capacity, and later by garnering support from Medical Defence Organisation capacity providers to ensure ongoing continuity. We still work closely with medical colleges, societies and related not for profit groups, and all related service providers. Unlike many other providers, we listen first and make decisions after discussing all aspects of your business and risk needs. Because you are time poor, we make ourselves available after hours to tie in with your time needs. We understand you build complex business structures with partnerships, trusts, superannuation funds and companies. We also know how to sort through complex sets of risks and keep ourselves up to date with the most secure cover solutions.
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Here’s something you may or may not know already – your industry is not at the top of most insurers’ wish lists. Some of you are high risk due to conditions inherent in what you do. Some of you are high risk due to business practice choices. We have well established relationships with the specialist insurers for your industry, so we are fluent in the languages both sides speak. We understand the differences between traditional EPS and FM Rated panelling, the importance of good housekeeping, and processing v packing activities for example. The attention to detail we put into our understanding of your industry, how it works and why, can mean the world of difference when tailoring your cover.
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Whether you are designing, manufacturing, importing, exporting or moving into new markets; your business is inherently exposed to risks. These exposures can be in the form of contractual, design, physical, advice, or even political perils. The risk resolutions need to be comprehensive and we will work with you to identify and manage these exposures. This can be achieved by transfer to a risk carrier, avoided or minimised via contract, or defined and accepted by your business.
Regardless of your industry sector, construction or occupation – we can help.
- Buildings, Contents, Stock, Plant & Equipment
- Theft/Burglary
- Business Interruption
- Flood
- Cyber (1st & 3rd party)
- Professional Indemnity
- Medical/Healthcare Liability
- Income Protection
- Equipment and Machinery Breakdown
- Director’s and Officers
- Public and Products Liability
- Recall
- Workers Compensation
THE MORE THAT WE GIVE YOU
“At all times Intercharge has had a clear understanding of our expectations and requirements in the highly specialised areas of importing and product distribution, as well as our activities in project installation and rental. On many occasions, Intercharge has defended our interests and represented our case to underwriters.”
We understand that you have chosen us for the benefits that having a one stop shop for your insurance needs brings you. It would be remiss of us not to offer you expertise in the following:
- Risk Management and Risk Transfer Advice
- Evaluation of Contractual Agreements (including Insurance and Indemnity clauses)
- Evaluation and Property Loss Control
- Premium Funding Workers’ Compensation Claims Management
- Workers Compensation Risk/Premium Reduction Programs
- Workers Compensation Claims Resolution Services
“Intercharge has shown that they have accurate and well informed insurance market knowledge and their specialisation in medical indemnity stands them apart from their competitors.”
INSURANCE HEALTH CHECK REVIEW
We believe it is good corporate governance for every organisation to engage a third party periodically to review its insurance program.
The review could identify key weaknesses in the program and/or opportunities to broaden the cover, or alternatively it may be independent verification that the insurance program is robust and appropriate and correctly reflects the exposures and risk appetite of the company.
Whatever the outcome of the review, the identification of areas for improvement, or potential areas of concern, could only be of benefit to the organisation.
Below is a guide to the basis of our review process. We will provide you with a report which will:
- Review the questionnaires and proposal forms you completed during your last renewal period
- Analyse the insurance Policy Schedules and Wordings
- Benchmark the premiums incurred for the program
- Review any claims under these policies
- Review any uninsured risks/losses
- Analyse the overall veracity of the insurance program.
We have suitably qualified in house experts in each class to conduct the reviews.
If this is of interest to you, please get in touch.
