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Scottish Artists Union Members' Liability Insurance

All individual registered members of the Scottish Artist Union benefit from a Combined Liability Insurance comprising of Public and Products Liability (PPL) and Professional Indemnity (PI) Insurance arranged by Hencilla.

The members insurance policy has been specifically designed for visual and applied artists to cover them for activities undertaken in connection with their artistic practise in the preparation, lecturing, teaching, public display and sale of fine art and applied art.

Cover includes but is not limited to the members participation in exhibitions, open studio events, displays involving live non-static physical performance, work undertaken in community settings, socially engaged practice and participatory art.

Benefits of the SAU Members’ Liability Insurance Policy

  • A policy designed for Artists
  • Worldwide cover
  • No restriction in the number exhibitions, open studio days etc.
  • Public and Products Liability Insurance with a £5m limit of indemnity
  • Professional Indemnity Insurance with a £5m limit of indemnity

What is Public Liability Insurance?

Public Liability insurance protects the SAU member from legal claims for compensation from other people or organisations where there is an allegation that, in the course of their visual arts practice, the member has caused or contributed to an accident which results in injury or damage to property.

What is Products Liability Insurance?

Products Liability insurance protects the SAU member from legal claims for compensation for accidents caused by their supply of any Product, where the accident has resulted in injury to any person or damage to someone else's property.

For the purposes of the members insurance, a Product includes any work of art or craftwork that has been made, supplied, installed, altered or repaired by the member.

Products Liability Insurance does not provide any cover for damage to the artwork itself - if you require this cover then we can be provide this for an additional cost via the Artists Insurance Policy.

What is Professional Indemnity Insurance?

Professional Indemnity insurance protects the SAU member from legal claims for compensation from customers or third parties as a result of a negligent breach of professional duty in the undertaking of their work as an artist. Examples would include defective designs/specifications or allegations of intellectual property infringements.

Additional information about SAU membership

For further information about the SAU members' Combined Liability insurance policy, please call us on 020 8686 5050 or e-mail your enquiry to

SAU Website

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