Arts and entertainment insurance
Join over 900,000 UK customers with cover from £3.19 per month*
Get tailored quotes in 7 minutes
- UK-based expert support, online and on the phone
- Get covered and all your documents the same day
- Compare tailored insurance for the entertainment industry from trusted brands
Compare quotes from leading brands
Rated 4.7/5
Based on 39,717 reviews
Claims paid in 24 hours
For 80% of settled claims
Entertainment industry insurance – why is it important?
Whether it's film, TV, art or music – when you work in arts and entertainment, you need insurance that covers your own unique needs. If a claim came up, would you have the funds ready to cover it? Fortunately we provide tailored cover to protect your business should the worst happen.
- compare cover from expert UK brands and protect your business
- rated 4.7/5 based on 39K+ public liability customer reviews
- optional personal accident cover for your own injuries, or anyone on the policy
What does arts and entertainment insurance cover?
The first cover to consider is usually public liability insurance, which covers you if a member of the public gets injured or loses out financially and blames your business. Then you can add other covers to a policy that protect against the different risks that entertainment business face.
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 company
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 business.
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.
Excess insurance - select options
In case you need to make a claim on your insurance policy.
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public liability insurance entertainment industry?
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 company
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury that happens as a result of working for you (including temps and casual workers)
- an employee, including a contractor or casual labourer, suing you after falling ill because of 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 employee injures their lower back while moving furniture at your premises and holds you responsible
- an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
- a member of staff trips over while unloading business equipment, injuring their knee
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business equipment 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 equipment insurance
Business legal insurance
In case you’re hit with legal expenses connected to your business.
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
Excess insurance - select options
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 business insurance policy, you won’t need to pay excess
For example :
- strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
- a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
- a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance
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 public liability insurance entertainment industry 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 £3.19 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 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.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
Buy online in minutes
Get your documents the same day
Simply Business
Direct to
insurer
Highstreet
broker
Compare policies from a range of trusted insurers
Buy online or over the phone in minutes
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
How do insurance claims work for the arts and entertainment industry?
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.
Compare and buy in minutes
Documents arrive today
Rated 4.7/5
Based on 39,717 reviews
Here to help
Help from UK-based experts
24/7 claims
Make a claim any time
Arts and entertainment 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
Helpful articles entertainment businesses
Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.
Subscribe to our newsletterInsurance
Public liability insuranceBusiness insuranceProfessional indemnity insuranceEmployers liability insuranceLandlord insuranceTradesman insuranceSelf-employed insuranceRestaurant insuranceCommercial van insuranceInsurersAbout
About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSection 172 statementSocial mediaSite mapAddress
6th Floor99 Gresham StreetLondonEC2V 7NG
Sol House29 St Katherine's StreetNorthamptonNN1 2QZ
© Copyright 2023 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.