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.
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.).
Fractured Atlas offers Equipment, Art & Installation insurance, event insurance and other forms of liability insurance to its members through Lockton Affinity. Free quotes are available to members. Fractured Atlas also offers free 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. Note: Fractured Atlas is ending their insurance programs on December 31, 2019. Current policyholders will be getting more specific information at a later date.
ACT Insurance (Artists, Crafters, & Tradesmen) provides short and long-term liability in the form of show (general liability) and annual (general and product liability) insurance packages.
CODAworx Commission Artist General Liability Insurance Program covers commission artists for certain liability claims which arise out of the installation of commissioned artwork on-site. Protection provides coverage for accidents like slips and falls, destruction of third-party property, and accidents that cause injury to others. Note: CODAworx is ending their insurance programs for public art.
Zinc Insurance for Artists offers a master policy which extends liability insurance at your home or studio premises and at exhibition sites. Further, it provides full product liability coverage for items you have sold.
PEEP Insurance, Inc. specializes in insuring entertainers such as DJs, bands, hypnotists, specialty entertainers and event professionals.
Minnesota Theater Alliance also provides a group insurance policy program for Minnesota nonprofit performing arts organizations in partnership with Bremer Insurance.
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. CERF+ and Studio Protector provides a very good overview of the basics, as well as a comprehensive list of business insurance providers that work with artists and arts organizations.
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. Many of the providers listed in the above two categories will assist with event insurance.
The Event Helper is a useful website for artists looking for quotes and coverage insurance for specific events.