Creative & Performing Arts
Working in the creative and performing arts involves a variety of risks — from equipment loss and performance cancellations to copyright issues and third-party claims. Whether on stage, behind the lens, or creating in the studio, unexpected problems can seriously disrupt your work and finances. That’s why having the right insurance is essential. Tailored cover protects your tools, your talent, and your business from legal and financial setbacks. We connect you with insurance specialists who understand the creative industries and offer policies built around the realities of your profession.
Protect Your Creativity
Insurers offer a range of insurance products designed specifically for professionals and businesses in the creative and performing arts sector, such as:
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artist
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art valuer
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sculptor
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cartoonist
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illustrator
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calligrapher
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arts and crafts
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fashion designer/photographer
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author
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journalist
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talent agency
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choreographer
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dancer
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musician
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classical musician
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composer
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music publisher
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script writer
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actor
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videographer
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cameraperson
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piano tuner and repairer
These policies can be tailored to cover various needs, including public liability, professional indemnity, equipment damage, intellectual property protection, and business interruptions. Whether you work independently or manage a creative enterprise, insurers offer flexible coverage designed to help you manage the unique risks and challenges of your industry.
When Purchasing Cover
It's important for business owners to assess their specific needs, the risks associated with their profession, and the insurance policy terms before purchasing insurance. Consulting with an insurance professional can help in understanding the nuances of the coverage and ensuring that it aligns with the business owner’s requirements.
Types of Cover
Public Liability
​Public liability insurance protects retail and service businesses from third-party injury or property damage claims. It covers legal costs, settlements, and compensation if a customer or the public is harmed or their property is damaged on the premises, safeguarding businesses like florists, retail shops, and repair services from potential legal liabilities.
Employers’ Liability
Employers' liability insurance protects retail and service businesses from employee claims due to work-related injuries or illnesses. It’s legally required in many areas and provides financial assistance for legal fees and compensation, ensuring employee safety and the business's financial stability for shops and service providers like dry cleaners or shoe repairers.
Product Liability
Product liability insurance protects retail businesses from financial liabilities if products sold or supplied cause harm to customers. It covers legal expenses and compensation for injuries or damages, helping shops like florists or bicycle repair services handle claims and maintain their business reputation.
Commercial Property
Commercial property insurance protects retail and service businesses from losses due to damage or destruction of property, such as buildings, equipment, and inventory. It covers costs from incidents like fire, theft, or vandalism, helping businesses like florists, newsagents, and repair services recover and continue operations.
Personal Accident
Personal accident insurance provides financial protection if employees or business owners in retail and service sectors suffer accidental injuries while working. It ensures financial stability for them and their families, helping cover the costs of recovery and ensuring business continuity during unexpected incidents.
Income Protection
Income protection insurance replaces a portion of lost income if retail or service business owners or employees are unable to work due to illness or injury. This coverage provides financial security, ensuring individuals can focus on recovery without worrying about their income.
Types of Cover
Public Liability
Public liability insurance protects professionals in the creative and performing arts—such as artists, photographers, dancers, actors, and musicians—from claims made by third parties for injury or property damage. Whether it’s a visitor slipping in your studio or equipment causing damage during a shoot or performance, this cover helps manage legal costs and compensation.
Employers’ Liability
If you employ assistants, production crew, or studio staff as part of your work as a videographer, choreographer, fashion designer, or other creative and performing arts professional, employers’ liability insurance may be required. It protects your business from claims if an employee is injured or becomes ill due to their work, covering legal fees and compensation.
Professional Indemnity
Professional indemnity insurance is important for scriptwriters, choreographers, illustrators, fashion designers, and other creatives whose work involves interpretation, instruction, or original content. In the creative and performing arts, it covers legal costs and claims if a client alleges your work or advice caused them reputational or financial loss.
Tools and Equipment
For businesses that rely on equipment—such as gym gear, yoga mats, or fitness tools—equipment insurance helps protect against damage, theft, or breakdowns. This coverage ensures that you're able to keep your business running smoothly without the financial burden of replacing equipment.
Personal Accident
For creative and performing arts professionals—especially dancers, actors, musicians, and videographers—personal accident insurance provides support if you're injured while working. It helps cover medical expenses and provides income if you're temporarily unable to perform, create, or complete commissioned work due to injury.
Income Protection
Income protection insurance replaces a portion of lost income if you, or an employee, are unable to work due to illness or injury. This ensures financial security during recovery, allowing you to focus on getting back to work without worrying about lost income.
Optional Covers
Optional covers for creative professionals include stock and goods in transit for designers and photographers, loss of money protection for artists and agencies, and equipment breakdown for musicians and camerapersons. Other options like commercial vehicle cover, premises insurance, and legal expenses cover help protect your tools, workspace, and business from risks unique to the creative sector.
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