Underpinning most business policies, public liability insurance can cover the cost of compensation and/or defence costs if you were to cause injury to a member of the public or damage to their property.

I’m self employed, do I need public liability insurance?

Public liability insurance is not a legal requirement however you often get asked for it when you are working in a studio or on location.

If you’re a freelancer or have a limited company, self-employed public liability insurance will be able to protect you if you are working in a studio or on location. If you are working in public places or have interaction with other people when you work, public liability should always be considered.

How much is public liability insurance?

The cost of public liability insurance varies from project to project. The amount of cover you need should consider the risks in your job role, the environment you’ll be working in, amount of people around you and what damage could be done. The hiring company will often have a set limit of insurance they need freelancers to have, so it’s a good idea to check your contract requirements with them.

Our insurance policy quotes are completely tailored for your freelance business, we let you choose the limit that you need, from:

  • £1million
  • £2 million
  • £3 million
  • £5 million

To give you an example of price, a UK based annual public liability policy with a £1 million limit would cost £84* for the year.

What does public liability insurance cover?

Public liability insurance covers your freelance business against potential claims from people or companies you’ve worked with, subject to policy terms and conditions this will pay for any damage that you cause to a third party, like a member of the public or another person’s property, like their building.

Here are a handful of scenarios that a public liability claim could come your way as a creative freelancer.

  • Slips, trips and falls in a photo studio
  • Dropping makeup on expensive flooring
  • Your equipment causing damage to the electrics
  • Spilling a drink on a venue’s sound system
  • Your camera rigging falling down and hurting someone

These are just a few examples and there are other ways public liability insurance can cover your freelance business, so just get in touch if you need more help.

Can you get public liability insurance for one day?

Yes, at Create you can buy a one off public liability insurance policy for as long as you need it. Our short term public liability options go up to 180 days, so whether you want cover for 1 day, 78 or 104 days, you can tailor the time you need insurance for.

Get public liability insurance from £7* a month

With basic cover starting at £84* a year or £7* a month, begin your public liability insurance quote now.

Get in touch


AGM House
3 Barton Close
Grove Park, Enderby
LE19 1SJ

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