Specialist Insurance for Self-Employed Creatives

  • Instant cover – get your documents in minutes
  • Short-term and annual policies available
  • Build your own insurance package

In association with

Specialist Insurance
for Self-Employed Creatives

  • Instant cover
  • Choose a short-term or annual policy
  • Build your own package

Why Choose Mode Insurance?

At Mode Insurance, we understand the unique challenges and needs of self-employed creative workers. That's why we've designed flexible, tailored and empowering insurance that puts you in control.

Flexible cover

Whether you're currently between projects or in the midst of a creative surge, our insurance adjusts to your pace. Choose from short-term options or more extended coverage based on your needs.

Tailored for creatives

No more one-size-fits-all. Our policies are crafted with the specific needs of creative professionals in mind. From film and TV production workers to photographers, designers and writers - we've got you covered.

Valuable partnerships

We've teamed up with leading companies in the creative industry to offer you exclusive benefits. With Mode Insurance, you get more than just insurance.

Free expert advice

Navigating the world of insurance can be daunting. That's why we offer free advice and resources to help you make informed decisions. We're here to support your journey.

Why Choose Mode Insurance?

At Mode Insurance, we understand the unique challenges and needs of self-employed creative workers. That's why we've designed flexible, tailored and empowering insurance that puts you in control.

Flexible cover

Whether you're currently between projects or in the midst of a creative surge, our insurance adjusts to your pace. Choose from short-term options or more extended coverage based on your needs.

Tailored for creatives

No more one-size-fits-all. Our policies are crafted with the specific needs of creative professionals in mind. From film and TV production workers to photographers, designers and writers - we've got you covered.

Valuable partnerships

We've teamed up with leading companies in the creative industry to offer you exclusive benefits. With Mode Insurance, you get more than just insurance.

Free expert advice

Navigating the world of insurance can be daunting. That's why we offer free advice and resources to help you make informed decisions. We're here to support your journey.

What We Offer

With Mode Insurance you can build your own insurance product based on the type of work you do and the level of cover you need.

You can choose from the following types of business insurance products:

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Public Liability Insurance

This provides cover for claims made against you if you cause property damage or personal injury to a third party during your normal business activities.

Learn more about Public Liability Insurance

Equipment Insurance

This can provide cover for the important equipment you use to do your job - keeping you working if your kit is lost, stolen or damaged.

Learn more about Equipment Insurance

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Employers’ Liability Insurance

If your creative business has employees on the payroll, then it is a legal requirement for you to have an Employers' Liability Insurance policy in place.

Learn more about Employers' Liability Insurance

Professional Indemnity Insurance

Often referred to as PI insurance, this is designed to provide cover for potential claims made against you for errors, omissions or professional negligence.

Learn more about Professional Indemnity Insurance

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Get a Free Quote Now

Your craft deserves the best protection. With Mode Insurance, you're not just getting cover -  you're gaining a partner who understands and supports your creative journey.

FAQs

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Why should I get a quote from Mode Insurance?

Our coverage is flexible and can be adjusted to suit periods of intense project work or times when you're between projects. Additionally, our policies are specifically designed for the creative industry and are suited to a wide range of professions.

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Can I adjust my insurance coverage as my professional needs change?

Absolutely! We understand that the life of a creative freelancer is ever-changing. That’s why our insurance plans are designed to be as flexible as your career. You can choose from short-term options for specific projects or opt for longer-term coverage. Adjustments can be made to suit your current professional situation, whether you're scaling up your operations or downsizing.

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Do I need Public Liability insurance?

Whether you need Public Liability insurance depends on the nature of your business. It's not a legal requirement, but it's particularly important if your business activities involve interaction with clients, customers or members of the public. This could be as simple as working from a coffee shop, all the way to working in a large stadium or event space.

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How much Public Liability insurance cover do I need?

The amount of coverage you need depends on your business type, size and the specific risks involved. Typically, businesses opt for cover ranging from £1 million to £5 million, but it's best to assess your individual business needs.

You may find a minimum coverage amount specified in a contract that you are looking to secure as many other businesses, venues or local authorities will stipulate the amount of Public Liability insurance you need.

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Is Public Liability insurance a legal requirement?

No, Public Liability insurance is not a legal requirement for most businesses in the UK. However, it can be important due to the financial protection it offers against claims from the public.

You may also find that Public Liability insurance is required by some clients, suppliers and partners before you work with them.

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What is the difference between Public Liability and Professional Indemnity insurance?

Public Liability insurance covers injury or damage to third parties and their property, while Professional Indemnity insurance protects against claims of professional negligence or poor advice.

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Can I get Public Liability insurance for one day?

Yes, one day Public Liability insurance is becoming increasingly popular and most businesses can obtain cover specifically for one day. This is ideal for short-term events like workshops, pop-up shops or a shoot you are organising.

This is great for budgeting and charging your clients as you know exactly how much the insurance has cost for the specific job.

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Which type of creative freelancers need Equipment Insurance?

If your work requires the use of expensive specialist equipment, such as Photography Equipment, Film Equipment, laptops microphones and more, then Equipment Insurance can help provide peace of mind that you can repair or replace any of your important work tools if they are stolen, lost or accidentally damaged.

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How much Equipment Insurance cover do I need?

This will depend on the value of your equipment and how much it would cost to replace it all if it were stolen, lost or accidentally damaged.

We can provide up to £50k of Equipment Insurance to cover all of your vital work gear.

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What equipment is covered?

The policy covers the equipment you need to keep your business up and running that you take away from the premises.

Some examples of equipment that can be covered are:

  • Communication tools, such as desktops, laptops, mobiles, and tablets
  • Essential work equipment, such as graphic tablets and hairdressing equipment
  • Photography equipment, such as including cameras, lighting, and staging equipment
  • Accessories, such as lenses, lighting rigs, etc.
  • Cameras and ancillary equipment
  • PA, sound and lighting equipment
  • Portable electrical equipment
  • Mechanical effects equipment
  • Grip equipment
  • Props, sets and wardrobes
  • Makeup and prosthetics
  • Editing and recording equipment
  • Video and broadcast equipment
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Who needs Professional Indemnity insurance?

Creative professionals who provide advice, consultancy work or work under a contract with a client can consider Professional Indemnity insurance.

This includes, but is not limited to, graphic designers, photographers and marketing consultants.

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How much does Professional Indemnity insurance cost?

The cost of Professional Indemnity insurance varies based on factors like your profession, the level of risk and the amount of coverage needed.

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How much Professional Indemnity insurance do I need?

The amount of cover required depends on your business size, the clients you work with, the types of contracts you work under and the potential risks involved in your services. It's a good idea to assess the maximum claim you could face and choose a limit that can comfortably cover this.

With Mode Insurance you can choose a Professional Indemnity insurance cover limit of either £100,000 or £250,000, depending on your needs and requirements.

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Do I need Employers’ Liability insurance?

If you employ anyone, even on a casual or part-time basis, the law typically requires you to have Employers' Liability insurance. This means that you have at least the minimum cover if an employed person makes a claim against you.

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What does Employers’ Liability insurance cover?

Employers’ liability insurance can provide cover for:

  • Compensation if an employee claims for injury or illness caused while working for you.
  • Fees for your legal representation at any coroner’s inquest of fatal accident inquiry and proceedings in any court of summary jurisdiction arising out of any alleged breach of statutory duty.
  • The claimants’ legal costs for which you are legally liable.

Get a Free Quote Now

Your craft deserves the best protection. With Mode Insurance, you're not just getting cover -  you're gaining a partner who understands and supports your creative journey.