Artist Insurance

Artistic professionals work in a subjective industry where opinions and tastes can matter more than hard data and statistics. This can mean that a client might be unhappy with your work, even if you meet the brief and the work looks great.

A couple of examples could include:

Breach of copyright

You can also be subject to a claim from an accidental occurrence, such as a copyright breach e.g.: using a copyrighted image without permission, or using a royalty free image that you’ve paid for but breaching the restrictions of use that are imposed on that image.

Professional Indemnity insurance would respond to provide cover you in these instances.

Data breach

Data that you handle for your client for email marketing is compromised by an outside source, or is accidentally leaked, which could be classed as a breach of the Data Protection Act 1998. Professional indemnity insurance would respond to provide cover for the legal costs and compensation awards, as well as the costs for client PR.

With our online quote and buy system you can get an indicative quotation for your insurance in a matter of minutes.
As an example: an artist with an annual turnover of up to £50,000 per annum, with a £500,000 indemnity limit in any one claim, would pay £192.00 per annum for professional indemnity insurance. Add the basic Business Combined insurance policy for only £112.00. and your artistic business can be fully covered for only £304.00 per annum. (Figure correct as of 03.12.2021).

Apart from Professional Indemnity insurance artists can typically be expected to carry Public Liability insurance, especially if they work from office premises and meet members of the public face-to-face.

It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance, which is provided as part of our Business Combined Liabilities insurance product.

Our Tax Enquiry and Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation, or the costs incurred if you are required to attend jury service.