Using a celebrity as part of a promotion or advertising campaign has become very common. Organising a campaign involving celebrities often generate very high costs.

But what happens if the celebrity dies, is injured or the subject of a scandal?

The campaign may be withdrawn and this will represent a significant loss for the brand which has organised this promotional campaign.

Commercial Ads Production companies or advertising agencies working in TV production

Cover for the loss of production costs incurred or lost in booking a studio etc. because of the death, disability or a scandal involving the insured celebrity.

The cover concerns all types of campaigns whether TV, movies or radio promotions, stills, posters, press, newsletter, magazine, brochure, direct marketing, websites, publications and web publications.

Death, disability and disgrace insurance provides general cover up to one year from final shooting.

Before the commencement of shooting AGIS may set up benefits for the following events:

• Death of the insured person during the campaign leading to the suspension of the campaign.
• Accidental disability of the insured person: any accident or illness that required the campaign to be cancelled or withdrawn.
• Disgrace of the insured person or loss of image due to a scandal – anything criminal or any action causing the rejection from the public, any act contrary to morality or any situation or event directly involving the insured person and affect their image, any discrediting event, any insult shocking the community which discredit the ad and affect the insured campaign, the company organising the campaign or their products.

AGIS Expertise supported with that of Lloyd’s underwriters, help us provide a comprehensive and competitive cover in the field of the unusual risks.

To meet the need of every individual for an additional plan to their mandatory pension fund (basic pension and pension plan), insurance companies offer retirement savings policies that can be purchased individually or under their business activity.

Available to anyone to top up their pension savings mostly in the form of a life annuity, Perp is a long-term savings product. The annuity is payable from the claim of the mandatory pension settlement at the age of 62.

The Perp also helps set up a savings plan to be paid in the form of an amount from retiring or at the age of retirement intended  to be used  for your primary home (home ownership or if you have not owned a property in the two years prior to your retirement).

The law also provides the ability to have a capital of up to 20% savings as well as a life annuity in addition to the pension.

Two policies for the self-employed: Madelin pension fund Madelin pension plan

Madelin pension funds help self-employed persons (SE) to build up a supplementary pension, by joining a group pension plan

Contributions made under this plan may be offset from the taxable income up to the tax limit.

The supplementary pension is paid in the form of a life annuity (life income).

Plans tailored to certain categories of employees

Insurance companies also offer individual pension plans to civil servants, hospital staff, local politicians…

Companies may purchase pension insurance for the benefit of the whole or part of their employees, allowing them to receive additional income on retiring. These Plans guarantee the payment of a lifelong pension to the employee (or up the death of his/her spouse, for widower’s pension).

The business retirement savings Plan is a group life insurance policy purchased by the company and available to all employees or to a specific category of employees (e.g. executives, non-executives),  at the company’s discretion. This is a mandatory plan for the relevant employees

This plan is a “set-contribution” plan as the contribution rate (for example, a percentage of the salary) is determined at the time of purchase and shall no longer vary afterwards. It is also known as the “section 83” plan, in reference to article 83 of the General Tax Code laying down its taxation.

Based on the plans, the payment of contributions may either be fully borne by the company or shared between the company and the employee. Optional additional payments may also be made by the employee.

These plans provide tax and social incentives both for the relevant employees and companies.

The amounts paid into the account of the Insured shall not be available before they retire (except for cases of early release linked related to certain personal events).

At maturity, the employees, whether or not present within the company at the time of retirement, will receive this additional pension.

The amount of the pension is not set at the time of purchase of the plan.

Pension funds with set benefits (“section 39”)

The Pension funds with set benefits is a group life insurance policy purchased by the company. It may be intended for a specific category of employees only. In this case, all employees of the company shall have at least a Perco (A Group Retirement Savings Plan) or a PER business (“section 83”).

This plan is known as “set benefits” because the level of the pension paid during retirement is determined at the time of purchase. It is also known as ‘Section 39’ Plan, in reference to Section 39 of the General tax Code defining its taxation.

Contributions are paid in full by the company.

These plans provide tax and social incentives both for the relevant employees and companies.

Only the employees in the company at the time of their retirement may receive this pension supplement. The amount of the pension may be equal to a percentage of the final salary (additional plan) or calculated in such a way that all retirement pensions (existing mandatory retirement or other plans funded within the company) received by the employee reaches a percentage of the final salary (differential plan).

Plans offered by insurance companies are managed by capitalisation: the insurer invest a portion of the premiums collected and then reinvests financial revenues obtained so as to increase the initial amount.

This way, the insurer builds up a capital to be used at the appropriate time, benefit (pension annuity or capital) provided in the Insurance policy

AGIS SAS provides their expertise to private or corporate property companies owning or managing properties of any kind (commercial, industrial, farm or housing).

Such a customer focus reflects unsurprisingly a high level of customer retention over the years.

A set of insurance solutions tailored to your needs:

AGIS provides

A study of your vulnerabilities and assess your financial loss

A prevention plan and training in risk management,

Assistance in your project management

An effective management tool for your portfolios

A few examples of sites insured by AGIS:

Our expertise in long term guarantee has helped us develop relationship with a very large number of appliance distributors.

Over the years, we have insured groups and independent store what would not find their position locally.

En tant que leader et créateur du marché des Garanties Longue durée dans le domaine électrodomestique, nous avons développé au cours des années des relations avec les fabricants de matériels et les importateurs ainsi qu’avec la distribution.

C’est tout naturellement que nous sommes devenus les spécialistes de l’Assurance des Fabricants de Matériel mais aussi des distributeurs de matériels électrodomestiques.

Au cours des années nous sommes devenus spécialistes des usines de matériels électrodomestiques européennes fonctionnant sur le principe du zéro défaut.

Ainsi nous avons assuré des usines phares des Groupes Electrolux et Fagor-Brandt, dans des villes telles que Revin près Charleville Mézières et Gerland 7^ème arrondissement de Lyon.

Il s’agit d’usine de plus de 11 ha chacune employant plus de 400 employées.

Nous avons assuré ces usines jusqu’à leur cession au groupe Selni (pour Electrolux).

En ce qui concerne Fagor Brandt, nous sommes restés les assureurs de ce site après qu’il ait été cédé tant à SITL puis enfin à Cenntro Motors.

Bien que peu d’usines de ce type continuent à fonctionner sur le territoire français, nous sommes à même d’accompagner les repreneurs tant en Pologne qu’en Algérie.

Promotions and games can be effective tools to increase our customers’ sales while generating a financial risk.

First these risks are assigned to insurers with an extended expertise in this special risk area, experienced for decades in all covering and any kinds of promotions.

AGIS helps customers select the effective and insurable promotions among thousands types of promotional events.

The expertise of our insurers combined with the choice of effective promotions allows us to offer innovative, unique, creative and user-friendly solutions to our customers, for a budget tailored to the financial means of the business.

In the online game industry, the business is built on their reputation and the satisfaction of their customers.

AGIS lists insurers offering special products with underwriter’s expert in online games.

With this range of available products, AGIS provides answers to their customer key questions and we are able to offer solutions tailored to the special needs of your business through specialised insurers, in accordance with the relevant legislation and insurer’s appetence for the relevant risk.

Point1: What are the lotteries and side games you would like to promote with your customers?

Gambling is a highly competitive business, customers are constantly looking for new and exciting experience, this is why the selected range of lotteries and side games will massively impact the attractiveness of your site and will cause a strong involvement of your customers.

A tailored policy will better improve creative games offered and help effectively stand out from the competition. To this end, risks should be thoroughly assessed and calculated to set up a relevant procedure.

What will be the challenge?

How many players are expected?

What are the prices?

Point 2. What jackpots can you offer?

Lotteries provide an opportunity to earn money that may change the winner’s life. The amount of the set Jackpot is clearly a certain source of increase in commercial traffic and in the financial involvement of customers.

Insurance allows you not to enter such financial burden of a huge jackpot to be won by one of your customers, in your balance sheet.

Point 3. How to set your target?

A legal and thorough review of the promotional operation should first be conducted, and this especially since laws regulating gambling may substantially vary with countries. In this industry, you may be held liable for all your decisions and exposure to claims increases as well.

On reviewing your target market, an expert insurance agent is essential to develop a procedure ensuring operating licenses, administrative laws and the minimum age for participation, are complied with.

Point 4. What is your estimated maximum loss?

The demand of the public in gambling experiences is continuously growing, organisations operating in this hundreds of billions of Euros industry need experts who understand the great number of financial issues likely to be faced with.

Also, your insurance advisor, will be able to negotiate a better rate of insurance premium by improving their understanding of the expected increase in the number of players and bets, and will also be able to work with you on setting up the policy to meet your business financial needs.

Point 5. How will you gain the trust and support of your customers?

The online gambling industry mostly depends on the players’ confidence in your ability to pay the jackpots.

A proper insurance policy is essential to protect your reputation and build your customer trust.

Also, this insurance cover tailor-made to your risk provides a real financial security and peace of mind in the event of losses.

For the different activities of your farm, you need to manage the risks:

• Of your assets.
  • protecting and securing your buildings, production equipment and goods.
  • By insuring your tractors, self-propelled and towed equipment as well as your farm robots.
• Of your crop production:
  • Insuring your crops yields,
  • Covering the minimum turnover of winter rapeseed production, wheat winter or corn grain.
• And your livestock:
  • Getting a cover against your animal mortality.
  • By securing the feed from your pastures.

AGIS SAS offers simple and effective solutions

(1) the 15 weather conditions: Sunburn, excess water, excessive humidity, temperature excesses (heat stroke), excess of temperature (cold snap), frost, hail, flood, lack of radiation, hard rain, heavy or excessive snow, drought, storm, heat storms, wind sand.

(2) Subject to conditions and limits set in the policy

Climate Risks

Sunburn, excess water, excessive humidity, temperature excesses (heat stroke), excess of temperature (cold snap), frost, hail, flood, lack of radiation, hard rain, heavy or excessive snow, drought, storm, heat storms, wind sand.

Source : Groupama

Since 1989 AGIS’s team proven reputation for innovative reinsurance and risk management solutions helps clients to optimize capital, manage new areas of risk and achieve operational excellence. Our customers are in North America carriers (ceding and/or fronting insurance companies) and Major MGUs and MGAs’ around USA.

In 1989, Yves Ganansia the President of AGIS was required by major London Insurance brokers to provide European capacity for the American market in order to replace the capacity lost because of the effect of the asbestos crisis which absorbed most of Lloyd’s capacity for a few years. Our solution was to put together a solid reinsurance risk acceptance pool of three major European carriers able to provide the large capacities needed by our American partner.

Our North American partner since 1989, is James Irwin , the President of Safe Passage International specialized in Student medical programs for Domestic and International Students, Reinsurance of  Employers benefits portfolios of local ceding companies, War Risk Insurance, NGO’s covers, Kidnap, Ransom and Extortion Coverage, Travel Insurance and Expatriate Health Insurance. Safe Passage International is also a leading broker of specialty insurance services for travelers worldwide.

Safe Passage International in the last 30 years has built a solid reputation creating insurance solutions for large and small private companies, leading news media organizations, non-governmental organizations, government contractors, quasi-governmental bodies such as the United Nations and World Bank.

The healthcare landscape grows more challenging and complex every day. Insurers are compelled to revisit underwriting and operational standards due to new regulation surrounding healthcare reform, advances in medical technology, the unidentified cost/utilization of specialty drugs, and the aging population.

There’s more at stake than ever and that demands agility, responsiveness, innovation and the ability to find the financial capacity.

The redefinition of the operating rules of the Medical market in the USA since the OBAMA Care, have affected the way health coverage is offered, paid for and delivered. Those changes ultimately impact the risk profile considerably, and in some instances challenge traditional methods of pricing and underwriting.

We are here to help our clients manage new areas of risk, in order to achieve operational  excellence in the renewed healthcare landscape. Our experienced reinsurance and risk management French-American team delivers solutions for a wide range of contemporary issues:

• Affordable Care Act – Consultation on new products and analysis of marketplace and regulatory trends
• Portfolio management – Traditional and non-traditional reinsurance solutions to meet growth demands associated with fully insured major medical, employer self-insured plans and other medical expense products
• Medicare Supplement – Market expertise and optimization of pricing strategies
• Prescription Drug reinsurance programs – Protection against high-cost drugs and utilization
• Medicare Part D – Helping carriers manage the complexities of prescription drug pricing and its effect on their portfolios.

Clients can also access tailored expertise in a variety of disciplines through our extensive network of care management resources based on our comprehensive know how of medical claims administration in North America.

• Comprehensive claims administration
• PPO networks consulting,
• Hospital and physician bill review
• Claim/care management audits
• Specialized case/care management in a variety of diseases
• Trends in medical technology and costs

You are a carrier or a MGU or a MGA, we’re ready to help you face the challenge of the new healthcare paradigm.

To offset the shortcomings of government health systems in Central and South America, we have been able to offer very large groups of employees the opportunity to create local HMOs.

A Health Maintenance Organization (HMO) differs from traditional health insurance by the contracts it has with its providers. These contracts allow for premiums to be lower, because the health providers have the advantage of having patients directed to them; those contracts are known as capitated contracts. Under a capitation, an HMO or managed care organization pays a fixed amount of money for its members to the health care provider.

Within a capitated contract, the healthcare provider is paid a set dollar amount per month to see patients regardless of how many treatments or the number of times the physician or clinic sees the patient. The agreement is that the provider will get a flat, prearranged payment in advance per month. Whether or not the patient needs services for a particular month, the provider will still get paid the same fee. The more treatment a patient needs, the less money a health provider makes.

With Safe Passage we participated at the creation of a efficient HMO in Guadalajara (Ste of Jalisco – Mexico) with a group of banks which wanted to provide their large number of employees with a decent healthcare.

As AGIS SAS Yves GANANSIA helped the French Hospital of Asunçion Paraguay to put together a HMO – The Southern Star –  with large banking groups and large companies supplying the French Hospital with a number of inpatients that they could not get alone.

Those experience in South America led us to build US medical programs for wealthy Brazilians, and develop specific relationships with CNP Seguros the branch in Argentina of the state owned CNP -Caisse Nationale de Prévoyance.

Our long term experience in the Americas enables us to provide to Insurance companies, Large industrial of commercial groups innovative Health care solutions adapted to the evolution of their local situation. We provide our services in English, Spanish, Portuguese, and French.

Arts and collections experts are involved in all of the segments of the art market as defined below

Expert tasks are essential to authenticate the quality of the works offered for sale is within the organisation public auctions and thereby related to AGIS SAS expertise under the Public Auctions Insurance

The Arts and collections expert insurance is therefore an integral part of AGIS SAS business.

Our covers are for all specialists as described below who can benefit from AGIS International coverage purchased with the Insurers most specialised in the art trade.

Art pieces are the main element of art professional assets.

Museums, foundations, antique dealers, auctioneers, galleries or antique shops shall pay special attention to their insurance police, cover provided and amounts covered for their stock. The museums and foundations shall purchase an All Risk Exhibition Insurance Policy. Art Dealers: art galleries, antique shops, restorers… shall purchase an “All Risk” Stock Insurance Policy.

Art Dealers shall insure their stock and entrusted art pieces through an all-risk stock policy and purchase an insurance to cover their general and business liability.

Art dealers keeping a stock of art pieces or works entrusted to them for sale, restoration or expert assessment shall be covered under an all-risk stock policy.

This policy shall cover artworks when they are exposed or stored at the art dealer. Works may also be covered, as an option, during shipping, fairs or trade shows…