The Framers Forum

Hi all,

I think this is a topic that has come up before, but I wondered if anyone has any top tips on insurance that covers:
- Public Liability
- Goods Held in Trust (customer's artwork)
- Contents/Equipment

I'm taking up a workshop that is very classically Victorian (i.e. several single glazed windows).
It has three doorways of entry, at least one of which will have a deadlock.
The main site yard has big gates that get locked up when no one's there, and there are several CCTV cameras too.

I think I've seen Hiscox mentioned. Any other providers people would recommend looking into?

Anything it tends to be worth telling a provider when taking out a policy (or anything best left unsaid - to avoid hiking premiums to the hilt!)?

Thanks,
Rob.
https://www.portraitandlandscape.co.uk/

Sounds obvious but make sure to insure all of your equipment at new replacement valuation. Make sure to include transport of goods if you intend to ever do a collection or delivery.
I use Hiscox.

There are another topics of coverage that you have not mentioned.

- "Completed products" liability insurance. This can be as simple as: damage to contents / surroundings or injury if it falls off a wall.
- Loss of income due to some event
- Liability regarding installation / transporting the work to the client
- Liability with you using improper methods used including the slip of a tool. This is generally separate from "bailee" coverage(storage of customers property).