An artist kneels to paint a large canvas spread out on the studio floor, surrounded by supplies in a bold creative space.An artist kneels to paint a large canvas spread out on the studio floor, surrounded by supplies in a bold creative space.An artist kneels to paint a large canvas spread out on the studio floor, surrounded by supplies in a bold creative space.

Artists’ insurance

We help safeguard your livelihood.

  • Fast claims payments
  • No hidden fees
  • Prices from £6.07 a month*
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What is Artists' insurance?

Whether you're painting murals or curating exhibitions, our Artists' insurance works as hard as you do. 



At Admiral Business, we protect you from risks like equipment damage, on-site injuries, or liability claims.



Using our wealth of experience, we’ve created cover that’s easy to tailor to your needs and safeguards your business against unforeseen costly setbacks.

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Public Liability
Insurance

Protects against claims from third parties for injury or property damage

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Professional Indemnity Insurance

Protects against claims of negligence, mistakes, or bad advice in your work.

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Tools & Materials Insurance

Cover the cost of replacing or repairing tools if they’re lost, stolen, or damaged.

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Icon of a document with award stars over it.
Public Liability
Insurance

Protects against claims from third parties for injury or property damage

Get a quote
Icon of a shield
Professional Indemnity Insurance

Protects against claims of negligence, mistakes, or bad advice in your work.

Get a quote
Icon of a toolbox with a wrench, hammer, and screwdriver.
Tools & Materials Insurance

Cover the cost of replacing or repairing tools if they’re lost, stolen, or damaged.

Get a quote
View all our insurance
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Get a competitive quote in less time than it takes to make a brew, seriously it’s that quick!

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Why Do Artists Need Insurance?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Protecting Your Work, Workspace, and Reputation
As an artist, your work is personal — but your business is public. Whether you're exhibiting in galleries, selling at markets, or working in studios or client spaces, accidents and damage can happen. Without insurance, artists risk:

  • Claims if a visitor or client is injured at your studio or exhibition.
  • Loss, damage, or theft of your artwork in transit or on-site.
  • Replacement costs for stolen or broken tools and materials.

Don’t Let a Single Incident Disrupt Your Creativity
From canvas to kiln, your tools and materials are essential to your livelihood. Artists' insurance helps cover compensation claims, legal expenses, and the cost of replacing your equipment, so you can keep creating — stress free.

How Much Does Artists’ Insurance Cost?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Artists insurance starts from just £6.07* per month, with your premium based on:

  • The kind of work you do (e.g., painting, sculpture, mixed media).
  • Whether you work from home, a studio, or travel to exhibit or install.

  • Your claims history and level of cover needed.

Customise your policy with essential covers like public liability, tools & materials, goods in transit, and legal expenses. Add employers’ liability if you work with assistants or apprentices.

Get a Quote in Minutes

Insurance that’s as flexible and unique as your art. Get a fast, simple online quote tailored to your creative business.

What are the Legal Requirements for Artists?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Employers’ Liability – A Legal Must If You Hire Help
If you employ assistants, studio staff, or even temporary helpers, you're legally required to hold employers’ liability insurance. It protects you if an employee is injured or becomes ill while working with you.

Public Liability – Essential for Exhibiting and Interacting
Public liability insurance isn’t legally required, but it’s a must-have if you attend exhibitions, open your studio to the public, or visit clients. It covers accidental injury or damage claims — and is often a requirement for event organisers or galleries.

Do Independent or Freelance Artists Need Insurance?
Yes — even if you work solo. If you transport your artwork, display in public, or rely on expensive tools and materials, public liability, goods in transit, and tools cover offer crucial protection against unexpected costs.

An artist focuses on painting at an easel in a bright studio, surrounded by brushes, palettes, and a creative workspace.An artist focuses on painting at an easel in a bright studio, surrounded by brushes, palettes, and a creative workspace.An artist focuses on painting at an easel in a bright studio, surrounded by brushes, palettes, and a creative workspace.

Insurance built around the needs of the UK’s small businesses

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Fast claims processing

If you need to make a claim, we've made it quick and easy, so you can get straight back to work knowing everything’s being taken care of.

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Top-rated Customer Service team

Our friendly South Wales-based team is here to assist you every step of the way. Give us a call to speak directly with our specialists, who are ready to provide the support you need.

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Everything in one place

Our easy-to-use online portal allows you to access your policy documents, manage payments, and make changes, all in one place and at your convenience.

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Zero hidden fees

Update your policy at any time with complete flexibility, and enjoy the peace of mind that comes with no penalty fees, no admin charges, and no hidden costs.

Artists' insurance FAQs

*£6.07 is the price for a Public Liability policy for a single artist with £1,000,000 worth of cover. It is the equivalent of £72.80 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 28th April 2025.