FAQ category: Libraries General

Public liability will protect you in cases of bodily injury or property damage associated with an incident involving your business.

Employers’ liability will protect you from legal costs should an employee sustain a bodily injury in the course of their employment.

You will need to take out Employers Liability if you have an employee. The creative industry is unique, in terms of the prevalence of freelancers. We are very cautious when it comes to employers’ liability. If you employ an extra pair of hands for a short period of time, such as assistants, we would highly recommend that you always maintain employers’ liability. Freelancers would then be covered in the same ways as employees whilst working under your supervision and control.

You will need to take out Employers Liability if you have an employee. The creative industry is unique, in terms of the prevalence of freelancers. We are very cautious when it comes to Employers’ Liability. If you employ an extra pair of hands for a short period of time, such as assistants, we would highly recommend that you always maintain employers’ liability. Freelancers would then be covered in the same ways as employees whilst working under your supervision and control.

You can pay in full, by two instalments or by Direct Debit.

Providing you have been transparent with us, and declared all previous claims, it will not affect your policy with us.

We have partnered with a number of very high-quality insurers, their details will be shared on all quotes.