FREQUENTLY ASKED QUESTIONS

1) What activities are covered under this policy?

Performing Arts Insurance covers a wide range of activities. You can search a complete list from our activities covered page.

2) What activities are not covered under this policy?

Any aerial performance above three metres in height (Employers Liability only)
Hypnotists
Human target knife or weapons acts
Circuses and fun fairs (this excluded activity does not apply to circus skills workshops or individual performers)
Acts involving dangerous animals (as defined by the Dangerous Wild Animals Act 1975)
Organisation and provision of pyrotechnic events including the use of pyrotechnics within an artiste's routine
High risk special effects and high risk stunt performers
Organisers and providers of carnivals, fetes, parades, festivals, exhibitions, medieval re-enactments, concerts, galas, competitions and the like (this excluded activity does not apply to the attendance and performance at the said events by the insured performing artiste)
Theatres, TV studios, film studios, recording studios (this excluded activity does not apply to the attendance or performance within the said premises by the insured performing artiste
Filming or recording risks (this excluded activity does not apply to work undertaken as part of an art project and the like)
Promoters, event, conference and wedding organisers
Drama schools (this excluded activity does not apply to providers of drama workshops)
Event and conference venues (this excluded activity does not apply to the attendance or performance within the said premises by the insured performing artiste)
Tattooists (this excluded activity does not apply to face painting, body art and temporary tattooing)
Laser and light displays
Motorised activities: vehicles and motor cycling (this excluded activity does not apply to clown cars)

3) Who is Towergate Risk Solutions Stoke?

Towergate Risk Solutions Stoke is part of the Towergate Partnership Ltd.

Towergate is an entrepreneurial company, led by people with a reputation for innovation and dynamism.

Since 1997, when Towergate entered the insurance market, we have grown to become Europe's largest independently owned insurance intermediary turning over more than £2 billion of gross written premium across our companies.

Towergate Risk Solutions Stoke has a long and successful history built on the development of bespoke insurance solutions specifically tailored to meet the individual needs of our customers.

4) Why do I need Public and Product Liability insurance?

If your business deals with clients or members of the public, or if you come into contact with the public in the course of your business activities, Public Liability insurance should be the top priority insurance cover on your list.

Public Liability insurance claims are often extremely high, sometimes running into the hundreds of thousands. This means that a business which isn't covered could be in serious financial trouble if it found itself liable to pay damages or compensation from its own pocket.

5) Why do I need Employers Liability insurance?

Since the instigation of the Compulsory Insurance Act of 1969 employers that employ staff within England, Scotland and Wales have a legal responsibility to arrange insurance cover for injury to employees.

An employee may include (but is not limited to) any of the under noted whilst in your employment in connection with your business activities covered under the scheme; provided that work undertaken is under your supervision and control.

A person under contract of service or apprenticeship with you
A person supplied under a youth training scheme or job training scheme or similar government scheme
A self employed helper
A voluntary helper