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.
Tradesman Saver’s Public Liability Cover For Artists
Our standard cover is:
- Up to £5 million cover for public and products liability
- £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 tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.
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.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
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.
It Shouldn’t Happen To An Artist
Here are some examples of claims:
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.
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.
Fantastic and very quick thank you
quick easy to set up and good value- was recommended by another tradesman
Easy to get quote & pay, which was good,hopefully won’t find out if they are any good at claims