All the essential protection you need...
In the event you have an accident that causes a long term or permanent disability or death, that prevents you continuing your business.
Protection in case of a hack, misuse or breach of data, virus transmission, IP infringement and defamation.
Ideal for mobile workers, or when you have mobile equipment in transit or temporary storage.
Usually a legal requirement if you have employees, apprentices, or work experience students.
For your salon, office or home, this covers computers, furniture, equipment, goods and more..
See and search through the full list of services you can get covered for, it’s growing every day!
See what other interesting sectors we work with.
Something gone wrong? Don't panic. Know what to do and not do if you get a claim, and how to submit your claim details.
Our comprehensive FAQ section should answer all your questions but if not we're always here to help.
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Knowledge, experience and qualifications are all vital, but understand why we don't ask you to send proof when insuring you.
Working in this field can be incredibly rewarding, as you bring joy and confidence to clients. However, the expanding array of treatments and services also means that the associated risks are higher than ever.
Speak directly with one of our team during working hours, or email if more convenient. We're here to help!
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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.
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.
To create art, paintings and mixed media sculptures.
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).
A camera operator, also called a cameraman or a camerawoman, is an operator of a film or video camera.
Conditions:
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.
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.
Weeding, pruning, digging and garden tidying, growing and cultivating plants,excluding landscaping,design and construction.
Providing a wrapping service to make gifts look beautiful. Gifts to be wrapped in unique styles and presented to a professional standard.
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.
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.
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.
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.
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.
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.
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.
To act as a model for third parties to help in the sale or promotion of products and services.
To perform local music and/or dance events at pubs, weddings, parties and other small local events.
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.
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.
Taking professional photographs, of people, animals or landscapes, typically working with (but not restricted to) models and designers, often working at events (eg weddings), taking photos varying from portraits to aerial shots.
Software Developer Services refers to the process of designing, building, testing, and maintaining software applications for computers, mobile devices, or web platforms. This includes creating custom software, mobile apps, web applications, or enterprise solutions, covering coding, debugging, integration with existing systems, and ensuring the application meets the clients functional requirements. Key activities involve software design and architecture, programming, mobile and web app development, testing and quality assurance, deployment and maintenance, and integration with databases or third-party systems.
Application of wigs, false hair, prosthetics, latex, foam, paints etc.
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.
Professional videography services involve the planning, capturing, and editing of video footage to visually document events, promote businesses, tell stories, or create visual content for digital platforms. This can include filming corporate events, promotional videos, weddings, interviews, documentaries, social media content, and more. Services may cover all stages of productionpre-production (storyboarding, scripting), production (filming with professional equipment), and post-production (editing, sound design, colour correction).
Recording voiceovers for (including but not limited to) TV & radio commercials, websites, and recorded telephone and book recordings.
Web Developer Services refer to the process of creating and developing websites, encompassing implementation of design and user experience (UX), as well as coding and building functional elements to ensure the site operates effectively across devices and browsers. It may also include integrating content management systems (CMS), optimizing performance, and maintaining the website after launch. Key activities include website layout and graphic design, user interface (UI) and UX design, coding, CMS integration, and website testing, optimisation, and maintenance.
Design and provision of wedding and bridal flowers, decor items for ceremony and reception.
For individuals to increase their personal effectiveness through their written communication by writing clearly, concisely and accurately
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:
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.
Designed to tackle the problems associated with your computer systems, websites and emails.
Protection for your office essentials, from computers and furniture to documents and signage.
Employee Liability insurance is a legal requirement if you have employees.
Cover should you suffer a serious accident which leaves you unable to work or leads to your death.
Includes mobiles, laptops, cameras and video equipment, tablets, exhibition equipment, tools and more.
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.
Having the correct level of experience or qualifications necessary to offer a service is...
An artwork or design is lost or damaged, and the client seeks to recover their costs.
A wedding florist delivers the wrong flowers, and the client claims it ruined their big day.
You’re accused of copyright infringement for unintentionally using a protected design, image, or element.
A guest trips over your lighting cables or equipment at a photo shoot or performance, leading to an injury claim.
You deliver a design or artwork that the client claims doesn’t match the brief, and they refuse to pay or request a refund.
You accidentally spill ink or materials on a client’s property while creating or presenting your work in their space.
You’re blamed for late delivery or poor proofreading in a project that goes to print with costly errors.
You lose or accidentally delete photos, footage, or files, and the client seeks compensation for the lost content.
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Safeguard against claims for accidental injuries, illnesses, or property damage, keeping your business secure.
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