A Comprehensive Guide to Public Liability Insurance for Artists, Makers, and Creative Freelancers

Navigating the complexities of public liability insurance may seem daunting, but it's a crucial safeguard for artists, makers, art professionals, and creative freelancers. This guide simplifies the main features and pitfalls, helping you understand why it might be the most important cover you can have.

What is Public Liability Insurance?

In the simplest terms, public liability insurance protects you from the financial risks if someone gets hurt, or their property is damaged because of your art activities. It’s about ensuring that, despite your best efforts to prevent accidents, you’re covered if something unexpected happens.

Why You Might Need It

Whether you work from a studio, showcase your art publicly, host workshops, or even have people visiting your home for art-related reasons, accidents can happen. If your art activities cause harm or damage, you could be liable. Public liability insurance offers a safety net, covering potential legal and compensation costs.

How It Protects You

This insurance covers you if someone gets injured or their property gets damaged because of your activities. It supports risk management practices like health and safety checks, but importantly, it provides financial cover if an incident occurs, ensuring both public safety and your peace of mind.

Is It Required by Law?

While not legally mandatory, having public liability insurance enhances your professional image and offers reassurance to you and your clients. It's about being prepared and letting your insurer handle any claims, allowing you to focus on your art.

Costs Involved

The cost of public liability insurance varies, but investing in it through a direct insurer or broker typically starts at around £65 annually. However, finding the right coverage at the best price can be a challenge.

Why choose Axis

Choosing Axis means partnering with "the caring art organisation," where your growth and success are our top priorities. Here's why Axis stands out:

• Supportive Community: You will be part of a network of artists, makers, and art workers dedicated to mutual support and collaboration.
• Independent and Caring: Our independence from public funding allows us to focus solely on what's best for our members. We're here to support, not profit from, artists.
• Diverse and Inclusive: Axis champions diversity and inclusivity within the arts, offering a welcoming space for all creative voices.

Start your Axis membership today and be part of a community that values and supports the transformative power of contemporary visual arts.

Ready to Secure Your Artistic Practice?

Join Axis today and take a significant step towards securing your artistic practice with our inclusive public liability insurance. With Axis, you’re not just insured; you’re supported, connected, and empowered. Learn more about Axis Membership