Creative Workshop Insurance
Get an instant quote online for specialist insurance for creative workshops, from only £4.83* per month.
- Public liability for creative workshops
- Professional indemnity cover
- Join over 150,000 customers**
From only £4.83* per month
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What does creative workshop insurance cover?
Our insurance for creative workshops provides essential protection tailored to people running creative sessions, from photography and art to digital design and mixed media. We offer flexible cover with great pricing and the option to add valuable extras. You can choose from different levels of cover, depending on the scale and setup of your creative business.
Public Liability and Products Liability are included as standard, with options to add Professional Indemnity, Employers’ Liability, Equipment Cover, Personal Accident, Overseas Extension, and Legal Expenses.
You can tailor your policy to match your work, whether you teach from a studio, a rented space, or on location.
Make sure you have the correct insurance for your therapy and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Professional Indemnity
Public & Products Liability
Employers' Liability
Equipment
Personal Accident
Public Liability and Products Liability
- From £1 million to £5 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Professional Indemnity
- From £100,000 to £1 million of cover.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Business Equipment
- Up to £25,000 worth of cover
- Cover is provided on a new-for-old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit, including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select European Union or Worldwide (excluding the USA & Canada).
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Expertise out of your scope of work.
- Businesses with more than 5 employees
- Damage to electronic data
- Wear and tear of equipment
- Operating in the US and Canada
- Anyone aged 16 or younger working for you
For further information on exclusions in your cover, please refer to the policy documentation.
What types of insurance do creative workshop organisers need?
Running creative workshops is rewarding, but even with the best preparation, accidents and unexpected events can happen. Having the right insurance helps protect you, your clients, and anyone supporting your sessions, so you can focus on inspiring creativity with confidence.
Here are some common scenarios where cover can make all the difference:
Public liability cover
A participant might trip over a lighting cable during a photography class, or a splash of paint could ruin someone’s clothing.
Public liability insurance covers the cost of accidental injury or property damage that happens during your workshop. It safeguards your finances and reputation while showing clients you take their safety seriously.
Professional indemnity insurance
If a client claims that advice, tuition, or professional services you provided caused them financial loss or damage, professional indemnity insurance helps cover legal and compensation costs.
It protects you from mistakes, errors, or negligence in your professional work, including those made by your employees, provided you also have employers’ liability insurance.
Equipment cover
Your creative tools and materials are the foundation of your workshops. Whether it’s stolen cameras, damaged paints, broken laptops, or lost props, equipment cover helps you replace or repair what’s essential so you can get back to creating without interruption.
Employers’ Liability
If you have assistants, volunteers, or staff helping set up or run your sessions, employers’ liability insurance can cover legal and compensation costs if they’re injured while working for you.
It’s a legal requirement if you employ anyone (even part-time), and it demonstrates that you value and protect your team.
Our experts explain why...
“Creative workshop organisers do more than teach, they inspire ideas, build confidence, and create spaces where others can explore their creativity. Whether you run art sessions, photography classes, or digital design workshops, we understand the time, planning, and passion that go into making each experience meaningful.
Because of that, our insurance is shaped around the realities of running workshops including the equipment you rely on, the people you work with, and the environments you create. From small studio sessions to larger public events, our cover is designed to support the way you work.
Our goal is to give you the confidence to focus on what matters most: inspiring creativity. And with protection that understands your world and adapts as your workshops grow, you can do just that.”
Chris Trotman, Protectivity Underwriting Manager
How much does workshop insurance cost?
At Protectivity, policies start at just £4.83 per month.*
The cost of your workshop insurance depends on what you do, where you operate, and the level of cover you need. If you run regular workshops, work with the public, or use specialist equipment, you may need higher cover limits to stay fully protected.
Factors like the type of creative work, and whether you employ helpers or sell products can all affect your premium. You can tailor your policy to your exact needs, so you only pay for what matters. This way, creative workshop insurance is a cost-effective way to protect your business, equipment, and reputation.
Prices from
£4.83* a month
Explainer quote
Policy cost
£4.83* a month
Policy type
Workshop insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 13/11/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your creative workshop insurance?
Let the reviews of over 3,000 customers explain why you should choose us.¹
Trusted by over 13,000 policyholders.
Experienced insurance providers for over 30 years.
5* reviews from 3,000+ customers.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
On average we answer your phone calls in under 2 minutes
Frequently
Asked Questions
Are portable tools covered when I hold workshops at events or client locations?
Yes—portable tools are covered under the Business Equipment section, even when you take them off-site, such as to events or client premises. They’ll be insured up to the limit you select, provided the damage isn’t due to wear and tear and the item is less than three years old if a new-for-old replacement is required.
Whilst holding a workshop, are my tools and equipment protected?
Tools and equipment can be protected if you include Business Equipment cover. This provides up to £25,000 of cover on a new-for-old basis for items under three years old. If your equipment is damaged and can’t be repaired, it will be replaced with an equivalent new item. However damage caused by wear and tear or harm to electronic data is not covered.
Am I covered by public liability if a client or visitor is injured during a workshop?
Yes. Public Liability covers you if a third party—such as a client or visitor—suffers an injury during your workshop and holds you responsible. Depending on the level you choose, you’ll be covered for claims ranging from £1 million to £5 million.
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 17/10/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
¹Based on live Feefo data