An insurance program put together for advertising agencies that hire production companies to shoot commercials for their clients and for record label companies that produce music videos. The production company, post-production company and all other entities or individuals involved in the production are covered by the wrap up. Since this includes contractors or sub contractors, their bids should not include insurance costs. A wrap up program includes general liability, a production package, errors and omissions, auto liability, property damage, an umbrella and possibly travel accident, non-owned water and air craft and approved stunts. A wrap up reduces insurance costs, provides broader coverage and simplifies insurance administration.