This is a resource with information regarding liability, event, and business insurance for artists. See below for a short description of each type of insurance. There are countless different coverage plans and insurance types, so please be sure to do adequate research of the unique coverage that your chosen insurer provides. If you are looking for more information regarding health insurance information, please visit health insurance information and resources provided by Springboard for the Arts here.
Liability insurance protects the insured from a wide range of risks and liabilities, depending on which insurance policy the purchaser is seeking. Most often, liability insurance covers injuries (if someone is injured while on your property, if your property causes damage to others, if your product injures someone, etc.)
Business insurance refers to the many different aspects of running a business that need to be protected. This ranges from building insurance to employee dishonesty insurance to business interruption insurance, and many more risk management factors.
Event insurance will protect artists that are hosting festivals or events and provides coverage for circumstances with legal responsibility for injury to someone, damage to leased or rented property, weather insurance, volunteer accident coverage, event cancellation coverage, and much more.
Fractured Atlas offers information for artists looking for these three types of general insurance. Fractured Atlas is a national organization whose mission is to “empower artists, arts organizations, and other cultural sector stakeholders with the resources they need and works to eliminate practical barriers for artists so they can focus on their creative work.”
Fractured Atlas also offers Pocket Guides on insurance information for specific disciplines. Pocket Guides areas include Teaching Artists, Theatre, Public Art, Visual Art, Craft Art, Film, Music, Dance and Dance Companies, Opera, and Health Insurance guides.
Fractured Atlas can also answer some basic questions regarding insurance types and their respective details. See FAQ.
Additional information regarding business insurance is available at Studio Protector, as well as a list of business insurance providers that work with artists.
For more information on insuring events and festivals, The Event Helper is a useful website for artists looking for quotes and coverage insurance for specific events.