FAQ Category: Creative workshop

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.

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.

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.