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Studio Insurance – Compare Cheap Quotes
Whether you own a dance studio, a yoga studio or a photography studio, you could be lumber with a lawsuit if someone is injured at your studio and you are held liable for the accident.
This type of public liability claim can prove incredibly costly, with the possibility of legal fees, court costs and compensation pay-outs (assuming the court sides with the claimant, of course), which is why many studios decide to invest in studio liability insurance.
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What does studio liability insurance insure me against?
As the name suggests, studio liability insurance can protect you against the risk of liability claims by members of the public, and can cover you whether someone is injured or their property is damaged.
So, as an example, if you own a photography studio and a customer trips over your lighting equipment and breaks their arm, you could be sued for damages.
Similarly, if you own a dance studio and one of your customers is injured during a dance routine you could face a costly liability claim, and might have to cover the resulting legal expenses and compensation pay-outs yourself unless you had studio insurance in place at the time of the accident.
Being a dance instructor, yoga teacher or photographer obviously isn’t the riskiest of professions (tree surgeons, builders and property developers are usually much more exposed to the risk of liability claims, for instance, because of the nature of their business, and even someone who runs a bouncy castle business probably faces a higher risk of a claim than a portrait photographer) but there’s always the risk that someone might be injured while they are visiting your studio, which is why it might be a wise idea to find cheap public liability insurance for studios.
Is studio insurance a legal requirement in the UK?
No, studio insurance is a type of public liability insurance, and PLI policies aren’t legally required in the UK no matter what kind of work you do.
However, while it isn’t a legal obligation it might be a contractual one, because if you rent your studio space from a landlord or property company there will often be a clause in your rental agreement requiring you to take out public liability insurance.
How much does studio insurance cost?
It’s impossible to give an average figure for studio insurance, because insurance providers take many different factors into consideration when calculating the premium and each provider will also give each of those factors a slightly different weighting.
The best plan is to use Quotezone.co.uk’s studio insurance comparison service to compare quotes from a range of different providers, and then go with the one that offers the best policy at the most competitive price.
Does public liability insurance for studios cover liability claims by my own members of staff?
No, if you employ members of staff and one of them sues you for compensation your public liability insurance for studios won’t cover you because they’re an employee rather than a member of the public.
You’d need employers’ liability insurance to protect you against this type of liability claim, and in fact if you do employ permanent members of staff employers’ liability cover is a legal requirement in the UK.