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 information for artists looking for assistance with liability insurance, as well as offering 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.
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.
TULIP is a “Tenant’s and Users Liability Insurance Policy that provides special event liability coverage” that covers third party users and institutions. Membership is required, and for colleges and institutions only.
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.