Insurance for
Creative Professionals
Insurance for
Creative Professionals
Tailored protection in less than 5 minutes, from just £7.49
- Public Liability
- Professional Indemnity
- Medical Malpractice
- Products Liability
Established since 2003
Authorised

Recommended by training, accreditation and membership bodies.
A+ rated insurer
Insurance designed for Creative Professionals
The art and design world is full of passion, originality, and self-expression — whether you're creating visual art, styling weddings, designing interiors, editing copy, or performing live. But even the most imaginative work comes with real-world risks, from client disputes and property damage to event mishaps and lost creative assets. At Westminster, we understand the unique challenges creative professionals face. That’s why we offer flexible, specialist insurance for artists, designers, photographers, performers, stylists, writers, and more. Our cover is built to support your creativity, adapt as your services grow, and give you peace of mind to focus on what you do best — bringing ideas to life.
Practices we cover in this sector
See the list of practices we feel would be of most interest to you. If you can't find what you're looking for or offer a more diverse range of services check out our full list.
IMPORTANT TIP: You may find that the business practice name differs a little from what you may call it, but provided that the description matches what you do, this will provide the cover you require.
Artist (T1)
To create art, paintings and mixed media sculptures.
Arts and Crafts (T1)
To run group sessions on designing and creating pieces of art and craft out of various materials such as but no limited to textiles (such as cross-stitch, crocheting, embroidery, knitting, lace making, macram, needlepoint, quilting, sewing, string art); wood, metal, or clay (like jewellery, pottery, sculpture), paper (such as calligraphy, bookbinding, collage, origami, papier-mch, and stamping), or glass (like beadwork, stained glass).
Camera Operator (T1)
A camera operator, also called a cameraman or a camerawoman, is an operator of a film or video camera.
Conditions:
- For the purpose of this insurance this is agreed for film and video of an amateur nature only i.e. no high profile A-list films. Also excludes all filming of a pornographic nature
Copy-editing, Proofreading and Copywriting (T1)
Advising on and supplying high-quality English language materials for web, print, or interaction. This includes ascertaining the client's desired outcomes, editing any supplied copy, translating (or reviewing translations), proofreading, and copywriting new copies as required.
Feng Shui (T1)
The Chinese art of positioning objects in buildings and other places based on the belief in positive and negative effects of the patterns of yin and yang and the flow of chi, the vital force or energy inherent in all things.
Gardening (T2)
Weeding, pruning, digging and garden tidying, growing and cultivating plants,excluding landscaping,design and construction.
Gift Wrapping (T1)
Providing a wrapping service to make gifts look beautiful. Gifts to be wrapped in unique styles and presented to a professional standard.
Graphic Designer (T1)
The design and creation of graphics and artwork for print and the web. Cover is granted only where the Insured : a) obtains the clients sign off on the designs prior to print/launch, b)undertakes sufficient checks prior to the launch/issue of any websites or publications to ensure that they do not contain any potentially defamatory statements, and c) obtains the appropriate licences/permissions prior to the use of third party content/data/IP in any designs/online content or publications.
Conditions:
- Cover is granted only where the Insured : a) obtains the clients sign off on the designs prior to print/launch, b)undertakes sufficient checks prior to the launch/issue of any websites or publications to ensure that they do not contain any potentially defamatory statements, and c) obtains the appropriate licences/permissions prior to the use of third party content/data/IP in any designs/online content or publications.
Henna Body Art (T1)
Henna paste is applied to the skin in thin lines through a squeezable tube, much like an icing tube. The henna paste is left on the skin for at least 30 minutes in order for the colour to form.
Home Staging (T1)
To prepare a home ready for re-sale or renting. This may include, but is not limited to, cleaning, advising on re-design and colour schemes as well as repositioning of certain household objects such as flower vases etc.
Integrative Art Therapy (T1)
Art Therapy is a protected title, and it is an offence if you use a protected title if you are not registered with the Health Professionals Council (HPC). It is also an offence to imply that you are one of the professions that the HPC regulates if you are not.
If you have any doubt whatsoever regarding your regulated status please check direct with the HPC. Insurance cover is invalid if you practice without HPC registration.
Integrative Art Therapy is based on the belief that the creative process involved in the making of art (all art forms) is healing and life-enhancing. It combines and co-ordinates different art forms together (visual, music, performing and puppetry are examples of how wide the range of art forms used can be). By creating art and talking about art and the process of art-making with an integrative art therapist, one can increase awareness of self, cope with symptoms, stress, and traumatic experiences, enhance cognitive abilities, and enjoy the life-affirming pleasures of artistic creativity.
Interior Design (T1)
To advise on the colour schemes, decor, styles of rooms and general motif. Providing advice and designs for commercial and domestic interior and exterior lighting schemes.
Intuitive Artwork (T1)
Producing Creative Artwork intuitively that is being channelled from spirit/angels and using this artwork to sell images that can be used for meditation, visualisation or healing work.
Landscape Design (T2)
Visiting clients on site, surveying and levelling work (measuring garden size and shape, slopes and level changes, soil type etc.) producing sketches and designs, planting plans, etc. Also can include project management of landscaping works.
Conditions:
- Excluding structural landscaping
Modelling (T1)
To act as a model for third parties to help in the sale or promotion of products and services.
Musical and Dance Performances (T1)
To perform local music and/or dance events at pubs, weddings, parties and other small local events.
Party Planning (T2)
Party planning/consultancy and organizing includes planning and organizing parties as well as other promotional activities, helping to set up and arrange dcor and equipment, setting up themes and/or style of the venue. Includes choosing locations, hiring caterers (excluding the provision of catering services), coordinating with other vendors such as entertainment and florists, and providing entertaining activities as part of the party. This would typically include but is not limited to birthday parties, wedding corners for children, christenings, sleepover Teepees, balloon garlands, anniversaries, pamper parties etc.
Conditions:
- Excluding weddings, pony parties and cover for financial loss due to party cancellation. Limited to gatherings not exceeding 50 people. Children must be supervised by an adult at all times.
Permanent Jewellery (T1)
Permanent jewellery refers to a piece of jewellery (usually a necklace, anklet, ring or bracelet) that is welded together instead of secured with a clasp. The process involves using welding tools to attach both ends of the jewellery.
Photography (T1)
Taking professional photographs, typically working with (but not restricted to) models, designers, aerial shots and weddings.
Photography (T1)
Portrait photographs of people or animals, or photographs to commemorate an event such as a wedding.
Special effects/theatrical make up/airbrush make up (T1)
Application of wigs, false hair, prosthetics, latex, foam, paints etc.
Tooth Gems (T1)
Tooth Gems is the process of attaching jewels to the surface of the teeth with an adhesive designed to hold them in place for a longer period of time (usually 3+ months). The application process is quick non-invasive and entirely reversible. Also includes removing the attached tooth gems.
Voiceover Recording (T1)
Recording voiceovers for (including but not limited to) TV & radio commercials, websites, and recorded telephone and book recordings.
wedding stylist/florist (T1)
Design and provision of wedding and bridal flowers, decor items for ceremony and reception.
Writing Skills Training (T1)
For individuals to increase their personal effectiveness through their written communication by writing clearly, concisely and accurately
How our insurance protects you
Combined Business Insurance provides crucial protection. This core bundle is at the centre of every policy, offering comprehensive protection by combining Professional Indemnity, Medical Malpractice, and Public Liability insurance in one policy. So you can grow your business with confidence, while you are protected for the following:
- Public Liability Protection.
- Professional Indemnity.
- Medical Malpractice.
- Product Liability.
- Breach of confidentiality.
- Defamation, Libel & Slander.
- Dishonesty of employees.
- Your work as a subcontractor.
- Subcontractors work for you.
- Loss of documents.
- Breach of intellectual property.
- Public relation expenses.
Extra protection available
The beauty of our insurance is that you can choose exactly what you need and have as little or as much cover as your individual requirements dictate.
Why creative professionals need business insurance?
Creative businesses may not always seem high-risk, but whether you're designing, performing, styling, or creating, things can still go wrong. A client might claim your work didn’t meet the brief, an artwork could be damaged in transit, or someone could be injured during a shoot or event setup. You may also face disputes over copyright, missed deadlines, or lost files. If a claim is made and you don’t have insurance, you could be left to face expensive legal fees and compensation costs on your own — potentially threatening your reputation, your income, and your ability to continue practising. Insurance helps protect your work, your reputation, and your livelihood — so you can focus on bringing ideas to life, without worrying about what happens if something goes off-script.

Read our guide for Qualification Requirements
Having the correct level of experience or qualifications necessary to offer a service is...
Read Here >>How things can go wrong
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Why Westminster
Why Westminster
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Comprehensive Protection
Safeguard against claims for accidental injuries, illnesses, or property damage, keeping your business secure.
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Flexible Coverage
Tailor your insurance to fit your unique needs, whether you're flying solo or part of a larger team.
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Confidence and Trust
Offer peace of mind to yourself, your team, and your clients, knowing that you're prepared for whatever comes your way.
Full support in the event of a claim
Giving comfort and removing the hassle and stress.
First class friendly help on the phone
No salesmen, no gimmicks! We just make insurance easy.
Fast, easy online quote, 24/7
Get your quote and insurance document - within minutes.
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