This policy is designed for standard members (see definition on the members’ benefits page), or their personal service limited company where that person is the sole director and employee who is an artist as defined below, who performs as an individual or in collaboration with other standard members. Teachers of performing arts, models, choreographers, theatre designers, stage managers and theatre directors are also covered. You can download your individual PLI certificate from the Equity website.
If you are organising a production then you will probably require additional cover.
If you are employed in a production then insurance will be the responsibility of the production company.
Those members employing others (even freelance engagements) will require Employers’ Liability insurance and additional public liability insurance.
First Act Insurance is happy to discuss your circumstances, advise accordingly and arrange any necessary additional insurance covers required.
Student members are excluded under the standard members’ cover as they have their own public liability policy. Stage hypnotism and the use of fire and pyrotechnics are also excluded although cover is available under their respective sections.
This is a summary only; please refer to the policy for full details.
AThis policy will cover the financial consequences of claims against you for bodily injury and/or property damage to any person not your employee, arising from your activities as an “Artist” as defined below and no other professional business employment or activity.
Definition of “Artist”
Any individual person or their personal service limited company where that person is the sole director and employee who:
The cover excludes liability to any other artist performing with the insured, regardless of whether or not they are a member of Equity.
AYes. The policy covers your Limited company in the event that legal liability should arise from your activities as an artist.
AYes. You must take all reasonable precautions to prevent a loss. You must remain a member of Equity. You must notify insurers immediately and in any event within 7 days of any claim or suspected claim. You must not admit liability. Please also refer to the policy wording.
AThis is set at £10,000,000 and is in respect of all claims arising from any one occurrence. Claims involving products or pollution are limited to £10,000,000 during the period of insurance.
ANo, there are no deductions and no excess on any claim.
AYes. Policy cover includes any country where you are temporarily engaged in work, provided you are normally resident in the UK. The policy will however exclude any claim first brought in the USA.
AYes. The number of claims payable in any single policy year is unlimited.
AYes. You may also require Employers’ Liability cover. Additional cover can be obtained from First Act.
AThe policy does not cover
* Cover under this policy includes legal liability following injury or damage arising from concept design work. Errors or omissions in connection with a breach of professional duty are excluded.
AOverseas members are covered while performing in the United Kingdom. Terms and conditions are as described above
AYes. You must take reasonable care to prevent a loss. Claims or possible claims must be reported to Insurers in writing immediately. Under no circumstances should you admit liability after an incident.
ANo. A certificate is available from Equity or online at www.equity.org.uk. The full policy wording is posted on both the First Act and Equity web sites.
AThe policy runs annually from 1 October and is automatically renewed.
APlease contact First Act Insurance immediately. Contact details are listed below. Please note that late notification can lead to claims being repudiated. Under no circumstances should you admit liability following an incident.