Public Liability Insurance for Self Employed Creatives

Provides cover for freelancers in the creative sector against third-party claims of property damage and personal injury.

Public Liability Insurance for Self Employed Creatives

Provides cover for freelancers in the creative sector against third-party claims of property damage and personal injury.

In the vibrant creative industry, self-employed professionals bring visions to life.

But with every brush stroke, camera click or design, there's potential for unforeseen accidents.

Public Liability insurance protects you so that your creative journey remains uninterrupted and you can focus on what you do best.

Shield icon

What is Public Liability Insurance?

At its core, Public Liability insurance is a safety net. It covers compensation costs and defence fees should you inadvertently cause injury to someone or damage their property in the course of your work activities.

Whether you're a photographer, artist, designer or any other creative, this insurance provides cover so that mishaps don't overshadow your work.

Why Do Self-Employed Creatives Need Public Liability Insurance?

While not a legal necessity, Public Liability insurance is often a prerequisite when working in studios or on location. As a freelancer or self-employed individual, Public Liability insurance can:

Purple tick shield icon

Protect Your Workspace

Whether you're in a studio or an outdoor location, it provides cover for any damage or injury claims from members of the public or third parties are covered.

Purple tick shield icon

Uphold Your Reputation

Accidents can happen. Having the right insurance demonstrates your professionalism and preparedness to potential clients, suppliers and partners.

Purple tick shield icon

Meet Contractual Obligations

Many venues and organisations require a certain level of insurance coverage and to show a Public Liability certificate before entering a venue or location. Having a Public Liability policy in place means that it is one less thing you need to worry about when working with another business or in a public area.

Public Liability insurance is expansive and can cover a range of incidents. Here are some examples of how Public Liability insurance can protect self-employed creatives:

  • Personal injury caused by a client tripping over your equipment in a photo studio
  • Your equipment causing a short circuit at a venue leading to repair costs
  • Accidentally staining a client's carpet during a makeup session
  • Your lighting setup toppling and causing injury or damage to a venue floor

These examples highlight the unpredictable nature of creative work and the importance of being prepared.

Understanding The Cost Of Public Liability Insurance

Public Liability insurance costs can vary based on your profession, work environment and potential risks. To determine how much it might cost, you need to assess:

  • The potential hazards associated with your job.
  • The places you'll be working in and their inherent risks.
  • The size of your business - this could either be the number of employees or your annual turnover.

At Mode Insurance, we offer tailored quotes ensuring you only pay for what you need and you select the insurance you want.

Flexible Coverage Options

Every project is unique, and so are its insurance needs. At Mode Insurance, we offer flexibility in coverage duration. Whether you need insurance for a single day, a week, or up to 180 days, we've got you covered.

This is great if you want to include the cost of insurance for a specific shoot in a contract or if you need a higher limit to access a certain venue or location.

Why Choose Mode Insurance?

Creativity is boundless, and so should be its protection.

With Mode Insurance, you're not just getting coverage – you're partnering with a team that understands the nuances of the creative industry. Let us handle the risks, so you can focus on your craft.

Example Insurance Packages

Base Insurance Additional Insurance Duration Price
£2m Public Liability cover£10k Equipment cover UK & EU1 Week£73.92
£1m Public Liability cover£5k Equipment cover UK & EU1 Year£140.00
£5m Public Liability cover£5k Equipment cover UK & EU1 Year£212.80
£5m Public Liability cover£50k Equipment cover UK & EU3 Months£716.80
Base Insurance Additional Insurance Duration Price
£2m Public Liability cover£10k Equipment cover UK & EU1 Week£73.92
£1m Public Liability cover£5k Equipment cover UK & EU1 Year£140.00
£5m Public Liability cover£5k Equipment cover UK & EU1 Year£212.80
£5m Public Liability cover£50k Equipment cover UK & EU3 Months£716.80

How Much Is Public Liability Insurance For Self-Employed Workers?

The cost of Public Liability insurance can be influenced by several key factors, such as:

  • Your business size - generally, the more your business earns, the higher your insurance cost. A larger turnover often equates to a higher premium.
  • Your profession - different occupations carry different levels of risk. For instance, creatives working on location surrounded by expensive equipment and lots of people might pay more than illustrators who mostly work at home.
  • Where you are based – the cost of insurance might differ depending on your business location.
  • The nature of your work - the scope and risk associated with the jobs you undertake play a role in determining your premium. Working in large public spaces could result in higher charges compared to jobs in private residences.
  • Your claims history - if you've made public liability claims in the past, this might lead to an increase in your premium.

At Mode Insurance we do things slightly differently. Subject to acceptable criteria, we can offer a simple pricing structure, so as long as you have a turnover of below £300,000 plus acceptable business activities, we can offer Public Liability insurance with the option to choose your own cover limit of £1m, £2m, £3m or £5m.

Get a free quote now to see how much cover costs for your business, or for more information read our guide:

Short Term Public Liability Insurance

Whether you are self-employed, a sole trader or work in events, sometimes all you need is temporary cover.

Whether it's for a single day, a week, or a few months, Mode Insurance offers tailored short-term Public Liability insurance that fits your unique requirements.

One Day Public Liability Insurance

Whether it's a pop-up shop, a one-day workshop or a shoot on location, you want to make sure that your single day is covered in case of an accident.

With Mode Insurance, you can get Public Liability insurance for one day, perfect if a large venue or Council have certain insurance criteria to be able to issue out permits to contractors.

A lot can happen in 24 hours, and it's essential to be prepared for the unexpected.

Public Liability Insurance for Events

If you are a self-employed professional showcasing your crafts on a stall, unforeseen incidents can occur.

Public Liability insurance provides cover so that your event remains memorable for all the right reasons. It can cover compensation and defence costs if, during the event, someone is injured or their property is damaged due to your actions or negligence.

From a guest tripping over a cable to damage to a venue's wall, this public liability insurance can offer cover so you are not financially exposed.

When looking to buy Public Liability insurance it is important to make sure ALL of your activities as a business are covered, therefore there are two important things to look out for before you buy any policy.

  1. Check that the company understands your sector and your business description is detailed correctly - at Mode Insurance you can have up to two different trades selected and we are a specialist in the Creative Freelancer sector
  2. Check your policy documents to see what activities are excluded from your Public Liability policy. Many policies will exclude things like extreme sports, winter sports, horse riding, stunts, the use of pyro techniques and certain high-risk locations like offshore sites

When obtaining a quote from Mode Insurance, you can easily access our policy documents to check this for yourself at any time.

Public Liability Insurance FAQs

Below we have listed the most common questions we get from self-employed creatives about Public Liability Insurance. For more information, read our guide: Public Liability Insurance: Everything You Need to Know

FAQs icon

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.

FAQs icon

Do I need Public Liability insurance if I work from home?

Even if you work from home, Public Liability insurance can provide welcome peace of mind.

If clients or customers visit your home for business purposes, or if you visit their place of work, this insurance can protect you against any accidents or damages that may occur. A claim could be brought against you and your business when simply working from your local coffee shop.

FAQs icon

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.

FAQs icon

How to get Public Liability insurance?

With Mode Insurance you can get a quote and buy your cover online in a matter of minutes. Start your quote now.

FAQs icon

Is Public Liability insurance a legal requirement?

No, Public Liability insurance is not a legal requirement for most businesses in the UK. However, it is often recommended 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.

FAQs icon

Is Public Liability insurance tax deductible?

Yes, Public Liability insurance is typically tax deductible as a business expense. This means the cost can be offset against your business's taxable profits.

It is important to remember that most insurance policies are not subject to VAT as Insurance Premium Tax (IPT) is applied.

We recommend speaking to your accountant about this if you have more questions.

FAQs icon

Does Public Liability insurance cover damage to a client's property?

Yes, Public Liability insurance typically covers accidental damage to a client's property caused by your business activities, offering financial protection against such claims.

Some exclusions do apply so we always recommend you check your policy documents for more information.

FAQs icon

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.

FAQs icon

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.

FAQs icon

Can you get Public Liability insurance for a month?

Yes, it is possible to get Public Liability insurance for one month if that is all you need cover for. However, at this length of time it’s also worth checking to see if it is more cost-effective to purchase a yearly policy – especially if you think you may need several temporary policies over the course of a year.

FAQs icon

What is the minimum Public Liability insurance in the UK?

In the UK there is no legally mandated minimum level for Public Liability insurance. Depending on where you work and if someone is asking for you to have insurance in place, £5,000,000 is usually a widely accepted amount.

Some large venues like sports stadiums, arenas, conference buildings and other large-scale venues may require you to have £10,000,000 of cover in place.

FAQs icon

What happens if I don't have Public Liability insurance?

Without Public Liability insurance, you could be financially responsible for any claims made against you for injuries or damages caused during your event or business activities.

A claim could be brought against you for compensation and the costs and expenses someone has incurred. This can lead to significant financial strain, especially if the claims are substantial.

FAQs icon

Is Public Liability insurance mandatory for events in the UK?

While not legally mandatory, many venues and organisations may require you to have public liability insurance to attend and work at the event, as it can protect against claims for injuries or damages occurring on the premises.