Policy Sectors

Tripple Threat^™

Tender Loving Care

Every policy is arranged around the way you actually earn. Below is what we most often put in place — the final wording is built with you.

Talent

For performers, presenters and public figures whose face and name are the asset.

/ Event and appearance cancellation
/ Cancelled flights and travel disruption
/ Full body insurance for models
/ Hair injury and damage cover
/ Hair loss and alopecia cover
/ Creative hair loss and alopecia protection
/ Makeup artist bag and kit cover
/ Reputation and media liability
/ Worldwide touring and travel cover
/ Voice, likeness and image rights

Sport

For professional and semi-professional athletes carrying real physical risk.

/ Career-ending injury and permanent disability
/ Temporary total disablement
/ Loss of endorsement or contract value
/ International medical and repatriation

Art

For visual artists, makers and collectors moving high-value work.

/ Studio contents and works in progress
/ Exhibition and transit cover
/ Intellectual property and copyright disputes
/ Commission and production interruption

Body as Art

For visual artists whose body is the medium — performance art, body painting and living sculpture, insured like the artwork it is.

/ Cover for your body as the artwork itself
/ Injury during performances and durational works
/ Body paint, adhesives, prosthetics and materials reactions
/ Medical cover for extreme and endurance performances
/ Documentation, photography and film of live works
/ Image and likeness rights for performances
/ Cancelled or abandoned performance cover
/ Loss of earnings while you recover

Dancers

For dancers of every style — ballet, contemporary, commercial, ballroom and street — whose body is the job.

/ Injury cover on stage, in rehearsal and in class
/ Overuse injuries — tendons, joints, stress fractures
/ Physiotherapy, osteopathy and rehabilitation costs
/ Loss of earnings while you can't dance
/ Cover for shoes, costumes and dance kit
/ Cancelled performances and tour dates
/ Career-ending injury and transition support
/ Audition and casting disruption cover

Musicians' Hands

For players whose hands are the instrument — guitarists, pianists, drummers, strings and more.

/ Injury cover for hands, wrists and fingers
/ Tendonitis, carpal tunnel and overuse injuries
/ Cuts, breaks and burns to playing hands
/ Surgery and specialist hand treatment costs
/ Physiotherapy and rehabilitation to play again
/ Loss of earnings while you can't play
/ Cancelled gigs, sessions and tours
/ Instrument damage from the incident

Travel

For anyone on the move — tours, shoots, fixtures and exhibitions abroad.

/ Trip cancellation and curtailment
/ Medical cover and repatriation abroad
/ Lost or delayed baggage and equipment
/ Missed connections and event disruption

On-Set & Production

For days on set — film shoots, movie productions and model shoots — when the day falls apart.

/ Shoot day cancellation and abandonment cover
/ Cast and model no-show protection
/ Location, studio and set damage cover
/ Props, wardrobe and production equipment
/ Rescheduling and re-shoot costs
/ Injury on set and medical costs
/ Loss of earnings when production stops
/ Cover for film, TV and photo shoots

Vehicle

For the cars and vans that get you to shoots, tours, fixtures and exhibitions.

/ Cover for the vehicle you work and tour from
/ Equipment and kit left in the vehicle
/ Hire car while yours is off the road
/ Accident, breakdown and windscreen cover
/ Third-party liability on the road
/ Recovery after a breakdown or accident

Car & Motorbike Accidents

Accidents on the road — in the car or on the bike — with cover for you, not just the vehicle.

/ Personal injury cover after a car accident
/ Personal injury cover after a motorbike accident
/ Loss of earnings while you recover
/ Damage to your vehicle from the accident
/ Kit, gear and equipment damaged in the crash
/ Medical costs, physiotherapy and rehabilitation
/ Legal support and third-party claims
/ Replacement vehicle while yours is repaired

On-Site, Office & Health & Safety

Injuries where you actually work — on site, in the office or in the studio — with health and safety covered properly.

/ On-site injury cover — slips, trips and falls at work
/ Office injuries including repetitive strain and back problems
/ Injuries from unsafe conditions or faulty equipment
/ Health and safety compliance and inspection support
/ Employer-style liability for staff and visitors
/ HSE investigations and legal support
/ Medical costs, physiotherapy and rehabilitation
/ Loss of earnings while you recover and return to work

Dentistry, Muscles & Nervous System

For the injuries that hit your face, muscles and nerves hardest — including dislocated shoulders.

/ Dental injury and tooth damage cover
/ Jaw, facial and dental reconstruction costs
/ Muscle and soft tissue injury cover
/ Nervous system and nerve damage cover
/ Dislocated shoulder treatment and recovery
/ Recurring dislocation and joint instability support
/ Specialist treatment and rehabilitation costs
/ Loss of earnings while you recover

Botched Surgery & Plates

When an operation goes wrong — corrective surgery, plates, pins, screws and implants, handled with care.

/ Botched operations and surgical error cover
/ Surgical plates, pins, screws and implants
/ Corrective and reconstructive surgery costs
/ Removal or replacement of failed plates and implants
/ Dental and facial plate and reconstruction cover
/ Specialist second opinions and revision treatment
/ Loss of earnings while you recover and heal
/ Fully confidential, judgement-free claims

Autoimmune Disease

For living and working with an autoimmune condition — cover that flexes around flare-ups, not against them.

/ Diagnosis and specialist treatment cover
/ Medication and ongoing treatment costs
/ Cover for flare-ups and hospital stays
/ Loss of earnings during flare-ups and recovery
/ Fatigue and energy-management support
/ Adjustments to your work, touring and schedule
/ Cover for related conditions like alopecia and psoriasis
/ Fully confidential, judgement-free claims

Funeral

For families and dependants, planned with care in advance.

/ Funeral and burial expense cover
/ Family and dependant cover
/ Repatriation of remains
/ Guaranteed acceptance, no medical

Abortion Scheme

Confidential reproductive healthcare cover, handled with care and without judgement.

/ Abortion care and procedure cover
/ Recovery time and loss of earnings
/ Travel and accommodation for treatment
/ Fully confidential, judgement-free claims

Mental Health & Crisis Care

Confidential cover for mental health, self-harm and suicide-related care — handled with dignity, never judgement.

/ Mental health clinic stays and treatment cover
/ Therapy, counselling and psychiatric care
/ Crisis care and emergency admission costs
/ Self-harm injury treatment and recovery
/ Suicide-related care and recovery support
/ Loss of earnings while you take time to heal
/ Return-to-work support at your own pace
/ Fully confidential, judgement-free claims

Humanitarian & Gender-Based Violence

Confidential cover and support for victims of gender-based violence — safety first, handled with dignity and without judgement.

/ Emergency relocation and safe housing costs
/ Protection orders and legal support
/ Counselling and trauma recovery cover
/ Loss of earnings while you get safe
/ Cover for dependent children and family
/ Advocacy and caseworker support through your claim
/ Fully confidential, judgement-free claims

Transgender Equality

Cover and advocacy that respects who you are — for trans and gender-diverse talent, sportspeople and artists.

/ Gender-affirming healthcare and treatment cover
/ Mental health and counselling support
/ Legal costs for name and document changes
/ Discrimination and equality legal support
/ Loss of earnings from discrimination at work
/ Travel and treatment cover abroad if care isn't available at home
/ Advocacy, allyship and caseworker support
/ Fully confidential, judgement-free claims

Reputation Damage

When your name takes the hit — false stories, online pile-ons and damaged professional reputations.

/ Defamation and false story legal support
/ Online pile-on and harassment response
/ Takedown of false articles, posts and videos
/ Crisis PR and publicist costs
/ Loss of endorsements and earnings after reputation damage
/ Social media account recovery and clean-up
/ Rebuilding and repositioning support after the storm
/ Fully confidential, discreet claims

iCloud Leak & Privacy Breach

When private photos, files or accounts get leaked or hacked — fast, discreet cover for the fallout.

/ Hacked iCloud and cloud account cover
/ Leaked private photos and files response
/ Takedown and legal removal support
/ Loss of earnings after a leak
/ Account recovery and device security
/ Fully confidential, discreet claims

Luxury Goods & Jewellery

For the designer handbags, watches, shoes and jewellery you wear to work and to be seen — valued and replaced properly.

/ Designer handbags and luxury bags cover
/ Expensive and name-brand watches
/ Designer and limited-edition shoes
/ Fine jewellery, rings and necklaces
/ Theft, loss and accidental damage
/ Cover worldwide, on set and on tour
/ Valuation and like-for-like replacement
/ Fast, discreet claims for high-value items

Stolen Property & Technology

For the gear and devices your work depends on — replaced fast when they're taken.

/ Stolen phones, laptops and tablets
/ Cameras, lenses and recording equipment
/ Hard drives, portfolio and data loss
/ Break-in at home, studio or vehicle
/ Fast replacement so you keep working

Laptops & Devices

For the laptop that runs your whole career — covered at home, on set and on tour.

/ Laptop theft, loss and accidental damage
/ Spills, drops, cracked screens and keyboard damage
/ Files, folders and work recovered from the machine
/ Overheating, battery and hardware failure
/ Hire laptop while yours is repaired or replaced
/ Loss of earnings while you're offline
/ Worldwide cover — home, set, studio and tour

Lost & Stolen Property on Set

For the cameras, lenses and kit that go missing on location — lost, mislaid or taken mid-shoot.

/ Lost or stolen cameras and camera bodies
/ Lenses, flashes and lighting gear on set
/ Equipment left behind, mislaid or taken in transit
/ Memory cards, drives and footage losses
/ Hire and rental equipment in your care
/ Fast like-for-like replacement so the shoot goes on

Case Studies

For the documented client work you publish — case studies, portfolios, before-and-after stories and testimonials.

/ Cover for published case studies and portfolio work
/ Before-and-after photography and imagery rights
/ Client consent, privacy and data protection
/ Defamation and legal claims over published work
/ Takedown and content removal support
/ Loss of earnings if a case study is blocked or challenged
/ Redrafting and re-publication costs
/ Fully confidential, discreet claims

Software

For the programmes, licences and digital tools your work runs on — back up and running fast.

/ Software licences and subscription cover
/ Lost, corrupted or deleted software and files
/ Ransomware and cyber attack recovery
/ Loss of earnings when software fails
/ Unauthorised use or piracy of your work
/ Reinstallation, recovery and setup costs

Architecture Firms

For mega firms carrying big projects — cover for the practice, the design and the people behind it.

/ Professional indemnity for design errors and omissions
/ Mega project and large contract liability
/ Project delay and abandonment cover
/ Contract and client dispute legal costs
/ Site visits and construction phase liability
/ Drawings, models and design IP protection
/ Staff, studio and equipment cover
/ Loss of fees when a project stalls

Transport Companies

For hauliers, couriers and logistics firms — keeping goods, drivers and vehicles moving.

/ Fleet and commercial vehicle cover
/ Goods in transit and cargo loss or damage
/ Public and third-party liability on the road
/ Driver injury and personal accident cover
/ Load handling, warehouse and depot liability
/ Vehicle downtime and replacement hire
/ Breakdown, recovery and roadside assistance
/ Loss of earnings when operations stop

Land & Property

For landowners, landlords and developers — protecting the ground and buildings you earn from.

/ Buildings, structures and outbuildings cover
/ Land cover including liability on your land
/ Landlord cover for tenant damage and loss of rent
/ Public liability for visitors and tenants
/ Development and construction site cover
/ Storm, flood, fire and subsidence damage
/ Legal costs for property disputes
/ Cover for empty and between-let properties

If you are struggling right now, you don't have to wait for a policy — please reach out to a crisis line or someone you trust today. We'll be here when you're ready.

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Tripple Threat™