£10m Public & Products Liability insurance and £5m Professional Indemnity insurance cover is included with a-n Artist membership.

Specifically tailored to meet the needs of practising visual or applied artists based in the UK who require insurance against their legal liabilities to pay compensation arising out of injury to third parties and damage to third party property, which result from their activities as artists, or arising out of claims from clients as a consequence of errors or omissions in your work.

Logged-in members can find the documents needed to demonstrate they are covered in ‘My account’ (membership certificate in conjunction with the PPL and PI insurance Confirmation Letter).

Key Facts 1 April 2022 – 31 March 2023.


This is a summary only. For definitive information on policy cover, terms and exclusions please refer to the insurers policy wording, a copy of which is available to be viewed or downloaded from the members area of the a-n website at www.a-n.co.uk

This insurance is underwritten by Covea Insurance Plc.

All Eligible Members of a-n The Artists Information Company who are normally resident in the United Kingdom, the Channel Islands or the Isle of Man will be automatically covered by this policy.

Eligible Members are members in the following categories:

· Artist Member
· Joint Artist & Arts Organiser Member

The policy will also cover the Personal Service Company of an Eligible Member.

A Personal Service Company is a limited company where the member is the sole director & employee of the company with the exception of another family member undertaking clerical & administrative duties only.

This policy will be effective for the period 01/04/2022 to 31/03/2023 inclusive and will cover all members who join or renew their membership in that period. The cover will continue until the membership period expires providing that this is not for a period longer than 12 months.

This policy is only operative whilst an insured member is undertaking the following activities in connection with their practice of visual or applied art:
(a) the making, developing, designing, creating, preparing, installing, selecting, exhibiting, presenting, display and sale of any works of visual or applied art (including works made in collaboration with others and works not created by the member).
(b) the lecturing, teaching or demonstrating of visual or applied art including (but not limited to) workshops, residencies and community projects.
‘Visual or applied art’ includes but is not limited to painting, drawing, printmaking, photography, design, digital, moving image, time-based media, sculpture, ceramics, community arts, glassmaking, textiles, jewellery, mixed media, interactive arts, crafts, live art and physical performances.

This policy will provide you with
1. Public and Products Liability Insurance
2. Professional Indemnity Insurance


Significant Features & Benefits of Cover
This policy provides cover in respect of legal liability for damages including claimant legal costs for;
· Accidental Injury to any person
· Accidental loss or damage to third party Property happening during the period of insurance in connection with the Business.
The limit of indemnity provided is £10,000,000 for any one claim and in the aggregate in respect of all claims arising from the supply of any Product.
The limit of indemnity is restricted to a maximum of £5,000,000 in respect of any claim arising out of the use of heat away from the members own studio or from the supply of any Product to the United States of America or Canada.

Significant Exclusions or Limitations
This policy does not cover
1 the first £250 of any claim arising from damage to third party property
2 Bodily Injury to any Person Employed
3 any activity undertaken more than 10 metres above ground or floor level
4 any work involving tattooing (whether permanent or temporary), body piercing, face painting or any other process involving the application of chemicals to any person
5 Damage to Property in the care, custody or control of the a-n Artist member
6 any work undertaken at power stations or nuclear installations/establishments, oil, gas or chemical refineries, bulk storage or production premises, airports (airside only) or railways (trackside only)
7 risks that require more specific insurance e.g. motor vehicles, watercrafts, aircrafts
8 fines, penalties or punitive damages of any kind
9 Pollution or contamination unless from sudden and accidental causes
10 the costs of repair, recall or replacement of defective products
11 liability for breach of professional duty or inadequate advice
12 i) the first £2,500; ii) asbestos; iii) pollution or contamination of any kind
in respect of any claim brought that is subject to the jurisdiction of a court in the USA or Canada

Extensions To The Public & Products Liability

Cover Cross Liabilities (Member to Member Liability)
The policy extends to cover claims made between individual members, subject to the terms, conditions and exclusions of the policy.

Indemnity to Principals and Others
The policy will also provide an indemnity to any:
· Contract Principal
· Personal Representatives
providing that the claim would have been covered had it been made directly against the member.

Defence Costs
The policy will also cover Legal Defence Costs arising:
· from any prosecution of the member as a result of breach of the Health & Safety at Work Act 1974 or Part II of the Consumer Protection Act 1987 or Part II of the Food Safety Act 1990 or any legislation of similar effect.
· out of the defence of any proceedings in a Court of Summary Jurisdiction in respect of matters which may form the subject of indemnity under this policy.

Compensation for Court Attendance
This policy will pay the member £250 for each day they are required to attend court as a witness at the request of the Underwriters.

Overseas Personal Liability
This policy will cover the member plus their accompanying spouse and dependent children for liability incurred in a personal capacity whilst visiting a country outside of the United Kingdom in connection with the Business.


Significant Features & Benefits of Cover
Provides cover against civil liability claims made against the policyholder and notified to the insurer during the Period of Insurance as a result of any
a) negligent act or negligent omission or breach of duty of care
b) infringement of copyright and other intellectual property rights
c) breach of confidence or misuse of any confidential information
d) defamation

Also covered are the mitigating costs incurred in limiting or preventing such a claim.

The limit of indemnity is £5,000,000 and applies to all occurrences during the Period of Insurance and is inclusive of your own defence costs.

In addition, cover is also provided for
· Replacing, restoring or reconstitution of Documents (up to £50,000)
· Representation costs at hearings or tribunals (up to £50,000)

Significant Exclusions or Limitations
This policy does not cover
1. the first £250 of each and every claim
2. claims arising from work done under circumstances known to you prior to 1st April 2017 or the commencement date of continuous a-n Artist membership, whichever is the later
3. claims arising from circumstances known to you prior to the inception of the policy
4. any claim brought in a court of law in the USA or Canada or that is subject to US or Canadian law.
5. employment disputes
6. any claim that is more appropriately covered by a Employers’, Public and Products Liability, Directors & Officers Liability, Motor, Marine of Aviation Insurance Policy
7. Fines, liquidated damages or penalties
8. claims arising from the provision of employee benefits
9. liability assumed under a contract that is wider than what would existed in the absence of the contract
10. claims arising from defective workmanship, or from a manufacturing defect of any goods or products supplied by you

Extensions To The Professional Indemnity Cover

Compensation for Court Attendance
This policy will pay the member £250 for each day they are required to attend court as a witness at the request of the Underwriters.

In the unfortunate event that you need to make a claim, please contact Hencilla Canworth as soon as possible. Contact details are listed below. Please note that late notification can lead to claims being repudiated.

If you require any further information or wish to request a copy of the full policy wording – Please contact:

Hencilla Canworth Limited
Simpson House
6 Cherry Orchard Road
T: 020 8686 5050
F: 020 8686 5559
[email protected]

PPL and PI Insurance Key Facts 2022