Creatives Insurance
Specialist cover for creative professionals from £5.64* per month.
- Public liability for creative freelancers
- Add Professional indemnity cover
- Join over 150,000 customers**
From only £5.64* per month
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What does creative insurance cover?
Our insurance for creative professionals is designed to support freelancers, entrepreneurs, and businesses across the creative industries—from writers, and designers to studios and agencies managing multiple client projects. Whether you’re working solo or leading a small team, this policy gives you the protection you need to focus on your craft with confidence.
The core cover includes public liability, with limits of up to £5 million. This protects you against claims of injury or property damage that may arise in the course of your work. It’s reliable, essential cover that helps you operate securely while putting your energy into your clients and projects.
Our creative business insurance is flexible and can be tailored with optional add-ons such as professional indemnity, equipment cover, personal accident protection, and legal expenses. So, whether you’re working from home, in a studio, or running a growing creative business, your policy adapts as your work and needs evolve.
Make sure you have the correct insurance for your profession and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
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 £250,000 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.
Equipment
- Up to 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 policy documentation.
Why do creative professionals need public liability insurance?
As a creative professional, your role goes far beyond delivering great work. You’re often juggling multiple responsibilities—whether it’s design, strategy, technical know-how, project management, or client communication. Despite your best efforts, projects don’t always go as planned. That’s why specialist insurance for creatives is so important.
Having the right cover means that if a client brings a claim against you—whether for a mistake in your work, advice that didn’t meet expectations, or a dispute over deliverables—you’re supported. Even the most experienced professionals can face challenges, and insurance helps safeguard your reputation, your finances, and your future.
Creative business insurance can help protect you for the following reasons:
Public liability cover
While visiting a client’s office for a project meeting, you accidentally knock over and damage a piece of their office equipment. In this situation, the client may seek compensation for the cost of repairs or replacement.
Public liability insurance protects you from the legal and financial consequences of these types of claims, so you’re not left to cover the costs on your own.
Professional indemnity insurance
As a creative professional, your advice, designs, or work can directly influence a client’s business and reputation. If a project doesn’t deliver the results a client expects—or if they believe an error, oversight, or piece of advice has caused them financial loss—they may decide to take legal action.
Professional indemnity insurance is designed to protect you in these situations. It can cover legal expenses and compensation awarded, helping shield you from the financial and reputational impact of disputes. Even the most skilled and experienced creatives can face misunderstandings or unexpected outcomes, which is why this type of cover is an essential safeguard for your business.
Equipment cover
Your laptop, monitor, or specialist software setup is crucial to your day-to-day work. If your equipment is lost, stolen, or damaged, it could seriously disrupt your business.
Equipment cover helps replace your essential tools on a new-for-old basis—getting you back to work with minimal downtime.
Personal accident cover
While your creative work might be less physically demanding than some roles, injuries from slips or falls can still put you out of action.
Personal accident cover provides financial support during recovery, helping to maintain your income while you take the time you need to get back to work.
Our experts explain why...
“Creative professionals do far more than deliver great work—they shape ideas, solve problems, and provide expertise that directly impacts their clients’ businesses and brands.
That’s why our insurance for creatives is designed around the real risks of working in the creative industries. Whether you’re freelancing independently or running a growing studio, our cover provides support when you need it most.
Our goal is to give creative professionals the confidence to focus on their craft, knowing they’re backed by flexible protection that evolves as their career or business grows.”
Chris Trotman, Protectivity Underwriting Manager
How much does creatives insurance cost?
At Protectivity policies start at just £5.64 per month for creative professionals.*
Creatives insurance is a cost-effective way to protect your business, equipment, and reputation.
Several factors influence the price of your policy. If you use specialist equipment, work with high-profile clients, or handle sensitive data, you may need a more comprehensive level of cover. Optional extras like equipment protection, personal accident cover, or employers’ liability can be added to ensure your policy meets your specific business needs.
Ultimately, investing in professional insurance helps ensure that both your livelihood and your professional standing are protected—so you can build with confidence, no matter where your next project takes you.
Prices from
£5.64* a month
Explainer quote
Policy cost
£5.64* a month
Policy type
Creatives insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 01/08/2025. 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 creatives insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
My business has an annual turnover of more than £500,000 a year, can I get insurance cover with you?
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.
My business involves a number of services, that can’t be defined under just one trade alone, is this okay?
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.
My business employs more than 5 people, is this okay?
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.
I provide music lessons, as a teacher, in schools and colleges. Can you provide me insurance cover?
No, we do provide insurance cover for those providing music classes, compositions production services and workshops but our cover excludes specifically working with schools.
I’m going to be working abroad, in other countries, providing the services you insure me for. Is this okay under this insurance cover?
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.
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?
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.
Will your insurance cover protect me for any claims I might receive due to allegations of the quality of work I undertake?
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.
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?
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.
Can you cover my business equipment when I’m working remotely?
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.
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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 01/08/2025. 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