Art dealer insurance
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Rated 4.7/5
Based on 39,717 reviews
Claims paid in 24 hours
For 80% of settled claims
Art dealers insurance – why is it important?
As an art dealer, you’ll be handling valuable items and interacting with people regularly, which means you face a unique range of risks. Fortunately, this doesn’t have to put a stop to your business activities. We offer tailored cover to protect you against the cost of a claim if the worst should happen.
- liability insurance for art dealers, including public and employee risks
- compare cover from expert UK brands and protect your business
- rated 4.7/5 based on 39K+ public liability customer reviews
What does art dealer insurance cover?
It’s quick to add covers to your quote and build a policy that suits your needs as a [TRADE singular]. Most businesses start with public liability insurance, which protects your business against third party claims for injuries or property damage. Then, you can add covers that protect against other risks.
Professional indemnity
In case a client loses money because of your advice, services or designs.
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your business
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Business legal insurance
In case you’re hit with legal expenses connected to your art dealership.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Stock insurance
In case something happens to your products and consumables.
Buildings insurance
In case something happens to your business premises.
Excess insurance
In case you need to make a claim on your insurance policy.
Professional indemnity
In case a client loses money because of your advice, services or designs.
What’s typically covered by art dealer professional indemnity insurance?
Claims against your business for:
- errors in the training you deliver for clients, which means they lose money
- bad advice that causes a financial loss, from a simple mistake to negligence
- other mistakes in your work that mean a client loses money, including mishandling sensitive information
For example :
- you don’t send a document to HMRC in time and your client gets a fine
- you use an image without the copyright holder’s permission and your client gets sued
- you accidentally email sensitive data to the wrong person, leading to fines for your client
Read more about professional indemnity insurance
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public liability insurance for art dealers?
Claims against your business for:
- damage to someone’s property, caused by your work
- an injury or illness caused by your business activities
- certain accidental damage or injuries caused by your employees
For example:
- you accidentally knock a shelf of products onto the floor while working on a client’s premises, which break and need replacing
- you leave a trailing cable outside your premises, causing someone to trip and injure their back
- an accident happens at your premises and someone is injured because of your work
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your business
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- injuries to staff (including casual labourers and contractors) that are caused as a result of your business
- illness suffered by an employee (including temps and casual workers) caused by working for you
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your office manager breaks their finger while trying to close a faulty window at your business premises
- your receptionist trips over a cable running across the floor of your office, breaking their ankle
- a temp worker scratches their arm on one of your tools, and the injury becomes infected
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business contents insurance?
Claims against your business for:
- accidental damage or destruction caused by flood, fire, theft, or vandalism
- cover for your contents, up to the insurance level you’ve selected
For example:
- your bespoke wooden display units and decorative items are damaged by flooding, and need restoring or replacing
- a fire causes serious damage to your premises, and you need to replace all your office furniture
- someone breaks into your business premises and steals the office printer
Read more about business contents insurance
Business legal insurance
In case you’re hit with legal expenses connected to your art dealership.
What’s typically covered by business legal insurance?
Claims against your business for:
- a dispute relating to debt recovery, including judgement enforcements
- an investigation into your tax affairs
- someone using your company’s identity illegally
For example:
- one of your clients has informed you that they believe you haven’t met the contractual requirements of their purchase agreement, and they’re refusing to pay an outstanding invoice
- HMRC investigates your recent tax return, triggered by a fluctuation in your business income
- someone gets hold of your company bank details and uses them to buy goods and services
Read more about business legal insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
What’s typically covered by personal accident insurance?
Claims against your business for:
- accidental injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
- medical costs, lost income, and hospitalisation benefit
For example:
- your business partner, who’s named on the policy, is injured while ice skating and left permanently disabled
- you fall down some stairs at home and lose the use of your right arm
- an employee you’ve covered is playing squash at the weekend and hits their head on the wall, causing concussion and a hospital stay
Read more about personal accident insurance
Stock insurance
In case something happens to your products and consumables.
What’s typically covered by stock insurance?
Claims against your business for:
- damage to (and loss of) stock, following fires, floods, or vandalism
- theft of stock following a break-in
- costs involved with replacing the stock you need to operate
For example :
- someone forces entry to your business premises and steals from your stockroom
- an important stock order falls from the back of your van and is never recovered
- you’ve taken a stock delivery, which is stolen while you’re speaking to a neighbour
Read more about stock insurance
Buildings insurance
In case something happens to your business premises.
What’s typically covered by business building insurance?
Claims against your business for:
- damage to the structure of your building if there’s been a fire, flood, or vandalism
- contents, fittings, and equipment if they’re damaged by an event like a fire or flood
- repair and rebuild costs
For example:
- your gallery's wooden floor is damaged during a flood and needs replacing
- your employee damages an interior wall installing new equipment, as well as a glass door
Read more about business buildings insurance
Excess insurance
In case you need to make a claim on your insurance policy.
What's typically covered by excess insurance?
Claims made by you for:
- when you make a claim on a cover included in your [TRADE] insurance policy, you won’t need to pay excess
For example :
- after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
- a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
- a tenant’s suitcase scratches the wooden flooring in your hallway – you won't have to pay any excess on your accidental damage claim
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does art dealers insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £1.90 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
*How we work out example prices 10% of our customers paid up to £22.81 a year for a professional indemnity insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £1.90 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | No excess | £750 |
Employers' liability | No excess | No excess |
Contents | £200 | £4,000 |
Stock | £200 | £4,000 |
Main building | £200 | £400 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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How do insurance claims work for art dealers?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Chosen by 900,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
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Rated 4.7/5
Based on 39,717 reviews
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Art dealer insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
Make sure you’re covered for the services you provide:
- View all business insurance covers
The types of businesses we insure:
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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