Alyssa Lane
a-n The Artists Information Company offers a range of insurance options for its Artist and Arts Organiser members. The insurance policies are designed to meet the needs of practising visual or applied artists and freelancers working in the UK. Artist members are covered by £5m Public and Products Liability (PPL) insurance and £5m Professional Indemnity (PI) insurance, with the option to purchase additional cover for work in transit and on display. Arts Organiser members also benefit from the same insurance cover, with the added advantage of free insurance for their professional work in the visual arts sector. Furthermore, Personal Accident insurance is now included for eligible members at no extra cost, providing financial support in the event of an accident that prevents them from working.
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What You'll Learn
Personal Accident Insurance
A-n The Artists Information Company, in partnership with specialist brokers Hencilla Canworth GI Ltd, offers Personal Accident Insurance as part of its membership benefits for artists and arts organisers based in the UK. This insurance provides a fixed benefit to members who are unable to work due to an accident, including a £20,000 benefit for death or permanent disablement and a £200 per week benefit for temporary disablement, payable for up to 52 weeks.
Supplemental accident insurance, such as that offered by Aflac and Guardian, can also be purchased to provide additional support beyond what a primary insurance plan may cover. These policies pay benefits directly to the insured, giving them the freedom to use the funds as needed during their recovery. Supplemental insurance can help cover expenses related to hospital stays, medical exams, emergency treatments, and other accident-related costs.
Overall, Personal Accident Insurance is a valuable form of protection for individuals and families, offering financial assistance and peace of mind during difficult times. By having this insurance, individuals can focus on their recovery and well-being, knowing that they are protected from the financial burden that often accompanies unexpected accidents.
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Public & Products Liability Insurance
The Public & Products Liability Insurance offered by a-n provides £10 million in coverage, specifically tailored to meet the unique needs of practising visual or applied artists and freelancers within the realm of visual arts. This insurance serves as a shield, protecting members against legal liability claims arising from their artistic activities.
This policy safeguards members against two primary types of claims: Firstly, it covers claims for injury to third parties or damage to third-party property resulting from their artistic work. This aspect of the insurance is crucial, as it provides reassurance that any accidental harm caused to others or their belongings during the creative process will be financially covered. Secondly, the insurance also extends to claims arising from errors or omissions in the member's work, offering protection against potential financial losses due to mistakes or oversights.
Additionally, members can purchase extra insurance to cover their artwork, materials, studio, and contents while in transit to and from exhibitions, as well as while their pieces are on display. This supplementary insurance ensures that artists can showcase their creations with added peace of mind. Furthermore, a-n also provides Personal Accident Insurance at no extra cost, offering financial support in the unfortunate event of an accident that renders the member unable to work, including permanent or temporary disablement.
The Public & Products Liability Insurance offered by a-n is a testament to their commitment to empowering artists and arts organisers to pursue their passions with confidence and security. With this insurance, members can focus on their creative endeavours, knowing that they are protected against potential financial setbacks stemming from unforeseen events or legal claims.
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Professional Indemnity Insurance
The Professional Indemnity Insurance offered by a-n provides £5 million in cover, an increase from the previous limit of £1 million. This insurance is included in the membership at no additional cost, saving members the cost of a separate insurance policy. This benefit extends to members who take on additional work in other self-employed or freelance roles within the visual arts sector, ensuring they are covered for these professional activities.
In addition to the PI insurance, a-n members also receive Public and Products Liability (PPL) insurance, providing £10 million in cover. This insurance protects members against claims for injury to third parties or damage to third-party property resulting from their activities as artists. Personal Accident insurance is also included, providing a benefit of £20,000 for death or permanent disablement and £200 per week for temporary disablement that prevents the member from undertaking any aspect of their artistic practice.
Members can also purchase additional insurance to cover their artwork, materials, studio, and contents, as well as employers' liability. This supplementary insurance ensures comprehensive protection for artists and arts organisers, giving them peace of mind and allowing them to focus on their creative endeavours without worrying about financial risks.
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Insurance for work in transit and on display
A-n The Artists Information Company provides its members with a range of insurance options. Artist and Arts Organiser members can benefit from Personal Accident insurance at no extra cost. This insurance provides a fixed benefit to the member in the event that they are unable to work due to an accident. A benefit of £20,000 is payable for death or permanent disablement, and £200 per week is payable for temporary disablement, for a maximum of 52 weeks.
Additionally, members can purchase extra insurance to cover their work while in transit to and from exhibitions and while on display. This is in addition to the £10m Public & Products Liability insurance and £5m Professional Indemnity insurance cover that is included with a-n Artist membership and a-n Arts Organiser membership.
There are also other companies that provide insurance for artists, such as Art Insurance Now, which is a broker that provides policies tailored to cover works of art while on or off-premises, in transit, in storage, in an exhibition, and worldwide. Another option is to work with an agent to help assemble an annual policy that covers as many scenarios as possible for the best price. This could include a Business Owner Policy (BOP) that combines protection for all major property and liability risks in one insurance package. For one-off events, short-term "special events policies" can be purchased from sources such as The Event Helper, Eventsured, and Front Row Insurance.
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Self-employed/freelance work insurance
Self-employed and freelance workers often have similar business logistics, including insurance. While insurance is not a legal requirement for many self-employed and freelance professions, it is a good idea to have it to protect your business interests and personal finances.
There are several types of insurance that self-employed and freelance workers may want to consider. One is professional liability insurance, which can protect you if a client accuses you of making a professional mistake or missing a deadline that costs them money. This type of insurance can be helpful for both self-employed and freelance workers, as it provides protection against claims that may arise from your work. Another type of insurance to consider is commercial auto insurance, which is important if you use your vehicle for work-related activities. If you have employees, workers' compensation insurance is also important to have in case of any work-related injuries or accidents.
For self-employed and freelance artists specifically, a-n The Artists Information Company offers a range of insurance options as part of their membership benefits. This includes Personal Accident insurance, which provides a fixed benefit to members who are unable to work due to an accident, including death, permanent or temporary disablement, and other injuries. a-n membership also includes £10 million Public & Products Liability insurance and £5 million Professional Indemnity insurance cover. This insurance is tailored to meet the needs of visual artists and freelancers, providing protection against legal liability for injuries to third parties or damage to property, as well as claims from clients due to errors or omissions in your work.
Additionally, self-employed and freelance workers can explore other options for business insurance. For example, NEXT offers small business insurance that is simple, affordable, and easy to obtain. They provide coverage for various business expenses, including office space, supplies, travel, advertising, health insurance premiums, and professional development.
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Frequently asked questions
Your membership includes £10m Public and Products Liability (PPL) insurance, £5m Professional Indemnity (PI) insurance and access to other specialist insurance, including Personal Accident insurance.
Your membership includes £10m Public and Products Liability (PPL) insurance, £5m Professional Indemnity (PI) insurance and access to other specialist insurance, including Personal Accident insurance.
Student members do not have insurance included in their membership.
Organisation members do not have insurance included in their membership.
