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BECTU’s new PLI Extra combined freelancers’ insurance – available from May 1, 2019 – brings together public liability insurance (PLI) and personal accident cover for the first time.

The two-in-one plan, which will cost just £38 per year for UK-based BECTU members, will cover the individual member; a Ltd company where the member is the sole employee, and a formal partnership where the partner is also a BECTU member who subscribes to the insurance. 

An essential part of any freelancer’s toolkit, PLI Extra – arranged for BECTU by creative industry insurance experts Hencilla Canworth – offers great value cover to members, including:

  • Public Liability Insurance cover on claims up to £10m, including provision for claims up to £25,000 in respect of goods in the member’s custody and control (up to a maximum total of £100,000) 
  • Personal accident cover for injuries suffered at or on the way to work – £100 per week for up to 52 weeks where injury forces a member aged under 70 to stop working (excluding the first fortnight); a £20,000 lump-sum payment in the event of specified serious injury of death for a member aged up to 70, and reduced lump sum payments for members aged 70-75 and 75-80

Claims made under PLI Extra will be subject to a BECTU member remaining in membership, with up-to-date subscriptions.

BECTU members already subscribed to our current PLI plan  will be invited to renew their cover, with personal accident insurance, in March 2019. From May 2019, PLI will only be available as PLI Extra, with personal accident cover.

Full details of the PLI extra policy will be available in the Hencilla policy documents to be published here in early 2019 – watch this space!

For queries about PLI Extra, email

Additional cover

BECTU members who want to increase the level of weekly personal accident payment, can apply for Media Freelancer Insurance (MFI) also arranged for BECTU by Hencilla Canworth. MFI, which costs from £100 depending on the cover, offers a range of different options, including: including kit cover; employers' liability; professional indemnity, and personal accident cover, to suit individual circumstances. More info and quotes are available at