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Artist Insurance

Easy, quick and bespoke indemnity insurance for artists and artistic professionals.

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Trusted by over 23,000 clients for their business insurance
Quick and easy online cover for your profession
Rated 4.7 out of 5 by over 3,500 clients at feefo.com
artistic professionals insurance can cover sculptors against claims

What is artist insurance?

When you work in the creative industries, insurance is probably the furthest thing from your mind. Artistic Professionals insurance could help to protect you against the unexpected, such as an accident to a member of the public, damage to a clients’ property, or even a claim of negligent or sub-standard work.

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Why do artists need insurance?

Art is subjective. What one person likes, another may loathe. This means that any work of commissioned art, be it painting, sculpture, photographic, digital art can inadvertently become the source of a claim.

If you are commissioned to produce a work of art for a client, and the client doesn’t like it or think if fits the brief then you could be subject to a negligence claim. Professional indemnity insurance will give you the reassurance that you’re covered for a circumstance such as this.

If you operate from an artist’s studio, then you will likely have contact with members of the public, including other artists. If you are alleged to have caused an accident to someone else, or damaged their property, then you could be subject to a liability claim. Public Liability insurance will cover you for such a claim.

Why choose Caunce O'Hara for your business insurance?

As freelance insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers

Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
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Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
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Frequently Asked Questions

Artistic professionals work in a subjective industry where opinions and tastes can matter more than hard data and statistics. This can mean that a client might be unhappy with your work, even if you meet the brief and the work looks great.

A couple of examples could include:

Breach of copyright

You can also be subject to a claim from an accidental occurrence, such as a copyright breach e.g.: using a copyrighted image without permission, or using a royalty free image that you’ve paid for but breaching the restrictions of use that are imposed on that image.

Professional Indemnity insurance would respond to provide cover you in these instances.

Data breach

Data that you handle for your client for email marketing is compromised by an outside source, or is accidentally leaked, which could be classed as a breach of the Data Protection Act 1998. Professional indemnity insurance would respond to provide cover for the legal costs and compensation awards, as well as the costs for client PR.

With our online quote and buy system you can get an indicative quotation for your insurance in a matter of minutes.
As an example: an artist with an annual turnover of up to £50,000 per annum, with a £500,000 indemnity limit in any one claim, would pay £192.00 per annum for professional indemnity insurance. Add the basic Business Combined insurance policy for only £112.00. and your artistic business can be fully covered for only £304.00 per annum. (Figure correct as of 03.12.2021).

Apart from Professional Indemnity insurance artists can typically be expected to carry Public Liability insurance, especially if they work from office premises and meet members of the public face-to-face.

It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance, which is provided as part of our Business Combined Liabilities insurance product.

Our Tax Enquiry and Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation, or the costs incurred if you are required to attend jury service.

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Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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