Insurance for Groups & Bands

Groups & Bands - Step 1

Welcome

Welcome to Insurance for the Performing Arts with this is a special, low cost Public Liability, Employers Liability and All Risk (Equipment) insurance scheme facility designed for individuals or groups (working together).

How to Buy Online:

Please read the information below, answer the General Questions, insert your Activities and continue to step 2 which will provide you with the price on your selected insurance. The price will be based on the information you submit and insurance products from HCC International Insurance Company PLC only. If you are happy with the quoted price then please proceed to the checkout and on payment completion you will be emailed confirmation. Full policy documents will be sent electronically from our office within 2 working days.

We provide three types of cover:

Public & Products Liabilty Insurance

Required for all performers.

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Employers Liability Insurance

Required if you have employees*.

Learn more

All Risk (Equipment) Insurance

Optional cover for tools and equipment.

Learn more

Please note:
We do not provide advice online, for advice please contact 01686 626019.
You can not purchase Employers Liability or All Risk (Equipment) insurance without Public Liability insurance.
An administration fee of £20 will be incurred on all policies and will be added at the checkout.
This is a commercial contract which does not provide a cooling-off period and the insurers do not provide any return of premium if a policy is cancelled.

Key Benefits

  • Easy to arrange, you may purchase a policy on this website.
  • List of acceptable activities and professions provided on site. If you cannot see your activity listed give us a call, as cover may still be available.
  • Premiums start from as little as £80 for Public & Products Liability and £140 for Employers Liability & policy operates for 12 months from the date you effect cover.
  • Damage to equipment cover available worldwide for UK residents.
  • Employers Liability cover available up to £10m limit.
  • Public Liability cover provided worldwide for UK residents (excluding working inside the USA or Canada) for up to a maximum of 6 Months.
  • Cover available for foreign nationals temporarily working in the UK.
  • Public and Products Liability covers £2m or £5m including or excluding the use of heat. (Heat warranty will apply)

For a full list of cover details please click... (here)

General Questions

Are You A Group ?
A group is defined as a group of members who share an equal control and responsibility of the group and would receive an equal share of any earnings or profits made. A group is not a sole trader, partnership, Limited Company, LLP, CIC etc.

If you are a sole trader, partnership, Limited Company, LLP, CIC etc then please visit our Quotes for Individuals and Small Companies page.
Yes   No 
 
Yes   No 
Yes   No 
Yes   No 

Activity Questions

Will I Require Employers Liability ?

You will require Employers Liability if a person works for you or your business (for example if you supply their work materials, control where or how they work, or generally treat them like an employee).

An employee can be paid or work on a voluntary basis.

Company directors of a Limited Company are also defined as employees of the company. If you're the sole director of your limited company, own 50% or more of the shares, and have no employees, Employers' Liability Insurance isn't required.

If in doubt as to the status of your workforce, please contact the office.

Yes   No 

Yes   No 

Performing at Height

Do any of your employees (as defined above) undertake any performance in excess of 3 meters above ground, floor or stage level?

Yes   No 

Work at Height

Do your or any of your employees (as defined above) undertake rigging or staging work in excess of 3 meters above ground, floor or stage level?

Yes   No 

Are full risk assessments (including the use of Personal Protective Equipment and appropriate training) completed prior to the work commencing and are these kept by you?

Yes   No 

Do you comply with the current legislation for work at height EG. The work at height regulations act 2005 or any subsequent legislation?

Yes   No 

Have you and your employees had 3 or more years experience working at height?

Yes   No 

Do you or your employees undertake any work using rope access systems?

Yes   No 

Are you, or all of your employees who use rope access systems qualified up to IRATA level 1 as a minimum?

Yes   No 

Do you, or your employees undertake any work using powered access systems?

Yes   No 

Are you, or all of your employees who use powered access systems IPAF qualified?

Yes   No 

Do you or any of your employees undertake work using mobile access systems?

Yes   No 

Are you or all of your employees who use mobile access systems PASMA qualified?

Yes   No 

Are all of your emplyees provided with personal fall protection systems including, but not limited to, fall arrest systems, work positioning systems, or restraint systems?

Yes   No 

Have you had any incidents, resulting in a claim or not as a result of working at height?

Yes   No 

Fire

In the course of your business activities, do any of your employees (as defined above) use any form of fire, pyrotechnics or any other process involving the application of heat?

Yes   No 

Are written risk assessments prepared in respect of these activities and can copies of these be supplied if required?

Yes   No 

Do all employees have a minimum of two years professional fire performing experience or have they completed a minimum of six paid fire performances over the preceding 12 months?

Yes   No 

Does any person employed by you undertake performance work involving the use of pyrotechnics (other than T1)?

Yes   No 

Stunts and Hazardous Routines

Do any of your employees (as defined above) perform any stunts or other routines that may be deemed hazardous (e.g. juggling with edged weapons, sword fighting, use of firearms or propulsion, special effects or the like)?

Yes   No 

Animals

In the course of your business activities, do you or any employees (as defined above) undertake performance or work involving the use of any animal?

Yes   No 

Do you or any person employed by you, have a minimum of 3 years' experience in the activities undertaken?

Yes   No 

Are written risk assessments prepared in respect of these activities and can copies of these be supplied if required?

Yes   No 

Do you or your employees activities include working with horses?

Yes   No 

Do you work with any animals classified under the Wild Animals Act 1976?

Yes   No 

Do you work with any animal classified under the Dangerous Dogs Act 1991?

Yes   No 

Black Powder & Projectile Weapons

Do you or your employees (as defined above) work with black powder, pistols, canons, guns or does your work include archery?

Yes   No 

Do you and any person employed by you, have a minimum of 3 years' experience in the activities undertaken?

Yes   No 

Are written risk assessments prepared in respect of these activities and can copies of these be supplied if required?

Yes   No 

Circus Skills

In the course of your businesss activities, do any employees (as defined above) undertake the performance of or tuition of any activity involving balancing in an unusual or hazardous manner (e.g. High-wire, Tightrope or the like)?

Yes   No 

Do you or any person employed by you, have a minimum of 3 years' experience in the activities undertaken?

Yes   No 

Are written risk assessments prepared in respect of these activities and can copies of these be supplied if required?

Yes   No 

Temporary Seating or Staging

In connection with any performances staged by you, do you ever erect temporary staging or seating/grandstands?

Yes   No 

Is this work carried out by qualified professionals with their own insurance?

Yes   No 

Activities

The following Endorsements / Conditions will apply: Participant to Participant Liability, Groups Bands and Orchestras Endorsement

If your activities include any of the following then please click on the 'Read' link and confirm your acceptance of any endorsements or warranties below.

  • (Read) - Act Performed Above Audience
  • (Read) - Participant to Participant Liability
  • (Read) - Groups Bands and Orchestras Endorsement

 Please indicate that you have read, understand and accept any relevant endorsements / warranties