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Artists Insurance

Public liability insurance for an artist, starting at less than £54*per year

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Tradesman Saver’s Public Liability Cover For Artists

Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

There are many insurance options which would benefit your artists business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your equipment and is injured or you accidentally damage a customer’s carpet by spilling paintbrush cleaner on it.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for an artists business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as an artist and you can get your quote online in minutes.

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How our artists insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

What is artists insurance?

Even creative professions are faced with their own set of risks. Whether you work as a solo artist or own an art business employing staff, you want to keep your studio and contents protected, which is exactly why it’s important to have insurance that caters for your unique requirements.

Why do you need artists insurance?

At Tradesman Saver, arranging insurance for your artist’s business is simple and straightforward. We’ve wrapped up all the covers you could possibly need in one policy. Our cover is flexible, so that you can tailor it to your individual needs using our very simple online quote form. You can rest assured you’ll have the protection you need, when you need it most.

Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

Artist’s Public Liability Insurance

When you’re searching for insurance as an artist, it can become a pretty lengthy ordeal. Even once you’ve managed to find the right company you think you want to go with, it can become easy to get confused amid the vast sea of insurance terms there are to contend with. But really, it doesn’t have to be so confusing – there’s only one insurance term you really need to understand to help you choose the right policy for you, and that’s public liability insurance. What’s most important to remember about public liability insurance is that it’s essentially the canvas on which your entire insurance policy is painted. It covers injury to third parties and damage to their property, and covers both clients and members of the public. It can cover anything from spilling hot coffee over a client to knocking over an expensive vase whilst you’re painting a portrait in a client’s house. It’s an absolutely vital cover for anyone looking to protect their artistry business.

artist holding paint pot and brushes

It Shouldn’t Happen To An Artist

Here are some examples of claims:

Example 1

You’re painting a family portrait for a customer in their home. But, while you’re working, you spill some of your paint on your customer’s carpet, and they seek compensation for the damage to their property. Your public liability comes to the rescue here – your insurer will pay for the costs of the compensation, so a little bit of spilled paint doesn’t have to mean the end of your business.

Example 2

You’re loading your supplies in your car after a job at a client’s house. You go back to the client’s house to get payment for your services, but when you return to your car, you discover it has been broken into and your supplies have been stolen. Your tools & equipment cover is your saving grace – your insurer will pay the cost of replacing the stolen equipment, so you can keep working, without interruption.

Similar Trades We Cover

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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