Question 1

My business has an annual turnover of more than £500,000 a year, can I get insurance cover with you?

Accepted Answer

No, we can only cover sole traders and businesses providing the trades within our Creativies insurance product, that generate less than £500,000 turnover per year.

Question 2

My business involves a number of services, that can’t be defined under just one trade alone, is this okay?

Accepted Answer

Yes, you can select any number of trades or professions within your application of insurance and we will cover you to provide all of these services. If there is not a trade / profession that best describes the services you provide, you can select the ‘Other’ option and detail to us what it is you do and we will consider this appropriately under a bespoke arrangement.

Question 3

My business employs more than 5 people, is this okay?

Accepted Answer

No, we can only provide you insurance cover, specifically for Employers’ Liability, if your business has 5 or less employees. These numbers should include those you employ, that volunteer their time for no pay and any labour only subcontractors under any agreements with you and your business. You should also include your companies directors and principals if your company is a registered company.

Question 4

I provide music lessons, as a teacher, in schools and colleges. Can you provide me insurance cover?

Accepted Answer

No, we do provide insurance cover for those providing music classes, compositions production services and workshops but our cover excludes specifically working with schools.

Question 5

I’m going to be working abroad, in other countries, providing the services you insure me for. Is this okay under this insurance cover?

Accepted Answer

Yes, we can provide cover for working temporarily abroad but we can only cover up to 30 days over the policy period and we are unable to cover working in the USA and/or Canada.

Question 6

My type of work is predominantly undertaken on computers or laptops. Are you able to cover me for damages to data I might get on my computer systems?

Accepted Answer

No, our insurance policy excludes damage to electronic data. If you take our insurance cover for Technical Business Equipment, we can cover you for the tangible computers and/or laptops but not the data you keep on these systems.

Question 7

Will your insurance cover protect me for any claims I might receive due to allegations of the quality of work I undertake?

Accepted Answer

No, our insurance cover excludes claims arising due to situations around disputes arising due to the quality of work you undertake. Claims for things like financial or investment advice or alleged shortcoming in your work is something we exclude on our insurance cover.

Question 8

Can I get insurance to protect my expensive technical business equipment from damage, and if I make a claim, will you reimburse me the full amount I paid for it?

Accepted Answer

Yes you can get insurance cover with us for your business equipment, valued up to £25,000. No, we may not pay you back the amount you paid for the equipment. It depends on the age of the equipment. Our technical business equipment cover will cover the cost to repair the equipment or replace it as new at the date of loss. If the item(s) being claimed for are over 3 years old at the time of the loss, we will only pay you the value of the equipment, less a deduction for wear and tear.

Question 9

Can you cover my business equipment when I’m working remotely?

Accepted Answer

Yes but with certain restrictions. You would need to take out the optional cover for technical business equipment and declare the full value of your equipment. If your equipment is valued over £25,000, we can’t cover this. Our optional cover for technical business equipment does have a number of exclusions within the cover, including but not limited to damage, loss or theft of your equipment when it is stored anywhere outside your immediate control, when its left somewhere unattended, where manufacturer fitted security is not enabled and where equipment is kept in a motor vehicle, unless its out of site, like in an enclosed locked boot. For full details of the exclusions, please refer to our policy wording, under section D technical business equipment.

Product Category: Creative

Light Technician Public Liability Insurance

Copywriter Insurance

Wedding Photographer insurance

Recording Studio Insurance

Music Teacher Insurance

Creative Workshop Insurance

Authors & Writers Insurance PPC

Photographer insurance

Web Designer Insurance

Videographer insurance