Artist Liability Insurance

Public Liability Insurance For Artists

Artist businesses may differentiate within the industry, with companies specialising specifically within certain fields and areas from the next.

Importantly, as an artist business, having the correct Public Liability Insurance coverage is essential as, if someone were to be injured at any public event or exhibition, you could be held liable, potentially putting your business at risk.

Work within the artist industry can be extremely varied, including work from the likes of public commissions and performances, workshops, open events and even galleries.

Performance Direct take pride when dealing with customers and understand how important it is to tailor make insurance policies around you and your artist business, to ensure that you have the correct cover in place should a claim ever to be submitted.

With years of experience as a specialist broker, dealing with all aspects of business and commercial insurance is fluent to us; we can guide you through all the steps to securing the correct cover, saving you time and money on your policy.

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Business Liability Insurance Specialists

It is imperative that your business has the correct liability insurance. Performance Direct Business Insurance has years of experience dealing with all aspects of business and commercial insurance.

As a multi award-winning chartered insurance broker, we are commited to delivering the highest levels of excellence in professionalism and work with businesses, locally and nationally, where we deal with all types of commercial insurance for a huge range of business types including contractors, SMEs and larger scale businesses.

Whether you require a comprehensive insurance package or a small business insurance quote, Performance Direct is the insurer of choice for a growing number of UK businesses.

So, contact us today. We'll guide you through all the options, saving you time and money and making sure you have the right policy for your business needs.

For the best cover ask Performance Direct Business Insurance first.

We are proud to be a Chartered Insurance Broker. Only around 5% of the UK’s broking firms achieve this prestigious status. Also, we have been a BIBA Member since 2007, the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries, and their customers.

We provide insurance services to UK residents only.

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Benefits of our Insurance Policies

  • Flexible payment options

  • Dedicated account handler

  • UK call centre

  • Access to Lloyd's of London markets

  • Wide policy coverage

  • Claim management service

We are proud to be a Chartered Insurance Broker. Only around 5% of the UK’s broking firms achieve this prestigious status. Also, we have been a BIBA Member since 2007, the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries, and their customers.

Rated as excellent on Trustpilot with over 14,000+ reviews

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Why choose Performance Direct?

  1. The latest digital systems. Our customers enjoy all the advantages of the digital world. We offer excellent web and app-based insurance services, including a fast, easy-to-use quote engine, and automated customer services allowing hassle-free access to documents and information.

  2. The peace of mind of a Chartered Broker. Everything we do is backed by a team of skilled, experienced insurance professionals. We’re a Chartered Insurance Broker, a family company with a proud 40-year history, so we’re bound by a personal and professional code to deliver the best service for our clients.

  1. We’re independent. Because we’re not tied to any brand or product, we can search the car insurance market to get you the best policies­—from third party policies to fully comprehensive cover. Whenever you ask for a new or a renewal quote, our systems search a panel of up to 100 leading UK underwriters to ensure you get the lowest price and the best policy.

  2. We’re on your side. If you need to make a claim, because we’re completely independent, we work with you to sort everything out and to make sure your claim is paid. Whether you need to sort out a hire car or a new windscreen, our claims service is available 24 hours a day, 365 days a year. 

  3. Here for you. Your Online Insurance Account, support features, and on-line quotations are available 24/7, and our office is open 6 days a week.

Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.

What is Public Liability Insurance?

Public liability insurance is a specific type of liability cover chosen popularly by small businesses to protect them in the event of a claim, making it imperative that you, as an artist business, have the correct cover tailored to you.

Public liability insurance put simply is a type of cover specifically tailored to suit each and every business. As an artist business, it can potentially protect you against any compensation claims made should a third party member be injured or suffer a loss in any way when on the premises or in the hands or care of your business, making you liable.

Public liability insurance can help to protect your business dramatically and could be the underlining factor between your business going bust should a third party member ever need to make a claim.

Payouts to claimants can, depending on the situation and claim at hand be extortionate. Fines from around £25,000+ could potentially see your small business go bust, even as an artist.

Should someone ever to make a claim against your business should they suffer an injury or loss, your tailored public liability insurance would cover both the compensation for the third party member and, any additional legal expenses or costs.

How can having public liability help you as a business?

Although public liability insurance is technically not legally needed, it is however the most popular and common amongst small businesses. When interacting with members of the public on a daily basis, putting the correct cover in place to safeguard your business is strongly advised by most reputable insurers and should be considered as essential.

Whether your business is run from home, a shop or outlet, online including a delivery service, or as an artist, you’re holding publicly open events and viewings, having the correct public liability cover in place can provide assurance and peace of mind that should an accident ever occur, personally and, as a business, you’re protected.

Public liability cover works in two ways, to protect you as a business in case someone were to have an accident on your premises/damage your property or alternatively, if you were to carry out work for a client and damage third party property, you would be covered for the potentially hefty costs.

You shouldn’t assume that you and your business will automatically be safe without the public liability cover just because you run a small business, or that you’ll be able to repair, replace or refund the property/costs yourself. Even the smallest accident such as a scratch to property, liquid spillage to electronics or damage to oneself in the event of an accident could all lead to a claim possibly larger than you originally may have thought.

Should a claim ever be made from the third party, even legal and court fees could all potentially harm the value of your business with the sum value that they cost. With public liability insurance, you will have direct cover from your insurer.

How do I know if I have the right cover?

Public Liability policies should be specifically suited and tailored to your businesses every need. Cover should be different for you than the next business as, should you ever need to make a claim; your policy will cover all your business specifics.

When taking out public liability insurance there are many different forms of cover available, each covering a different type of business meaning that it is essential that the insurer tailor makes your policy suited to you.

How is my cover calculated?

The premium for your public liability cover is calculated using three parameters to ensure that the cover is specific to your business. The nature of your business, whether you visit or undertake work on another premises and your insurance claims history can all make a difference in the price of your public liability premium once all material fact has been fully disclosed.

All of the above three parameters can differ the cost of your premium, but here at Performance Direct, we search the market and do all hard work for you when finding the most competitive and tailored cover for you, taking away the hassle.

If you’re unsure as to whether you have the correct public liability cover in place or you think you need public liability insurance for your business, why not give us a call today on 01708 564 143 to speak to one of our knowledgeable, UK members of staff and go through our tailored public liability insurance schemes and options.

We care about our customers here at Performance Direct and that’s why our advisors are on hand to talk through any questions that you may have personally and for your business. Essentially, we will make sure that you have a public liability policy tailor made for you, ensuring that you have the correct coverage as an artist should a claim ever arise.