Artists' Insurance - Resources for Artists
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Find about insurance for artists - and art collections
Do you need insurance for your art or artist's studio?
Are you planning an art class and need insurance for public liability?
Do want to find out more about insurance for artists?
Do you need insurance cover for an art collection - but haven't got a clue where to start looking?
This site aims to assemble links to all current relevant resources on the Internet - and then organise them by country.
It's also aiming to crowd-source recommendations about different insurers - and which to avoid.
Note: I'm not offering professional advice - I'm in the same boat as you - just looking to see what's out there. The only difference is I created a website which pulls it all together! You MUST satisfy yourself as to what insurance cover you need and whether the policy you buy does all it needs to. This site might help you but it can't provide definitive answers to all situations
You can find out about...
...just click a link and go straight to that topic
- WHAT SORT OF INSURANCE DOES AN ARTIST NEED?
- POLL: Being an Artist - what do you insure?
- Making A Mark - posts about artists' insurance
- Public Liability Insurance (UK) - what you need to know
- Art Insurance Policies - UK
- Art and Artist Insurance Policies - USA
- Art and Artist Insurance Policies - Canada
- Health Insurance for Artists - USA
- BOOKS: Learn about Insurance
- Insurance for Art Collections
- Comments and Feedback
- Who is makingamark?
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New links are being added to this site on a regular basis.
WHAT SORT OF INSURANCE DOES AN ARTIST NEED?
Different types of insurance which are relevant to artists
These are some of the different types of insurance which artists might need - depending on:
* what they do
* how they work
* the extent to which they allow access by third parties to their studios and other spaces they own or rent and
* the country they live in!
ARTWORK
Insurance depends on how you transport your artwork and what you terms you state in your invoice / note of consignment
* on consignment in a gallery (ie gallery owner / exhibition organiser does not own artwork and accepts no responsibility for insurance)
* despatch of artwork to/from client or exhibition (domestic or international)
THE ARTISTS STUDIO
Insurance for the structure and facilities
* at home (ie separate workspace at home and not residential - and hence not covered by a domestic policy)
* in a leased unit (with/without insurance in the rent)
ART MATERIALS AND EQUIPMENT
As we all know art materials and equipment are sometimes far from cheap - and accidents do happen
* accidental damage to art materials and/or equipment
* despatch of art materials to another country
ART SPACE WITH VISITS FROM THE PUBLIC (eg Art Gallery; Artist's Studio)
The following require public liability insurance
* a dedicated art gallery
* artists own studio - used for open studios / clients visiting studio
ARTIST RUN WORKSHOPS AND ART CLASSES
* 3rd party public liability insurance cover for host premises (included in the rental or not)
* 3rd party public liability for students in art workshops you're running
* students' insurance (make sure they bring their own!)
PROFESSIONAL INDEMNITY
* professional indemnity insurance for those providing professional advice
PRODUCT LIABILITY
* indemnity insurance for those providing an artistic product
ARTISTS AS EMPLOYERS
* employer liability if employing eg studio assistants
HEALTH INSURANCE FOR ARTISTS
(for those who don't have access to the NHS)
* Working with hazardous materials
* payment of bills for healthcare
BUSINESS INTERRUPTION / REVENUE PROTECTION FOR ARTISTS
* indemnity if you are the main breadwinner and you are unable to work and/or you are suffering a business interruption due to a major loss/damage to your art materials and artwork eg due to fire
POLL: Being an Artist - what do you insure?
Artists take a variety of approaches to the insurance of their work. However I know four artists who have lost their studios and everything in it to catastrophic events - and it makes you think and reassess just what should be covered.
Making A Mark - posts about artists' insurance
- MAKING A MARK: Insurance for Artists - can you help?
- Artists Insurance is one of those technical aspects of being an artist which is apt to catch us out from time to time - and it's always good to know what our options are!
- MAKING A MARK: POLL: Do you insure your art and art business?
- March's Making A Mark Poll enquires into your insurance of your art and art business? Specifically it asks What aspects of your art and art business do you insure?
Public Liability Insurance (UK) - what you need to know
legal duty of care will vary from country to country
What is Public Liability Insurance?
This covers you for your legal liabilities if you cause any injury to people (including death) and/or damage to the property of third parties. These liabilities usually arise when people are working in and/or present in a property (including the associated land) where you have a legal duty of care to provide a safe and healthy environment.
Your artwork might also cause injury or death or damage and public liability insurance also covers this - including the installed artwork for those who commissioned it.
Why does an artist need public liability insurance?
To be able to work or hold any activities in any public space - or a space which members of the public can access (eg open studios, workshops in the artists studio) you must have public liability cover. If renting the space this is often a condition of the rental.
Unless you can provide adequate cover, you will will be unable to work or deliver activities in any public space (eg live events) or any space which members of the public can access
If you own the space you can risk being sued for injury or death or damage if anything untoward were to happen. Public Liability Insurance cover often runs to millions of pounds.
- "Policy Expert" | Artists Insurance - Public Liability Insurance
- A guide to Public Liability Insurance for Artists. Read about the cover that Artists need to have comprehensive business insurance cover.
- Public Art Online Resources - Advice for artists - Artists' Public Liability and Professional Indemnity Insurance
- Artists' Public Liability and Professional Indemnity Insurance
Frequently Asked Insurance Questions
Art Insurance Policies - UK
These are links to sites which state they provide insurance for artists in the UK
- Artists' insurance policy (AIP) | Insurance | AIR | a-n
- Artists' insurance policy (AIP): Outlining the Artists' Insurance Policy and its key features for AIR members.
Main policy benefits
* All risks' cover for artwork including stock of materials and work-in-progress
* Completed work insured for net sale price
* Worldwide cover available including exhibition, storage and transit risks
* Cover for tools, equipment and studio contents
* Automatic cover for reduction in gross profit following an insured incident
* Employers' Liability and additional Public Liability Insurance as required
* free £5m Public and products liability (PPL) insurance for UK-based AIR members
FOUR options with different levels of cover and premiums (all in excess of £94)
Individual quotations for specific requirements are also available - AIR | a-n AIR Artists Insurance Policy - Summary
- This is a summary only, full terms and conditions can be found within the Policy Document.
- AIR | a-n Artists Insurance Policy - Policy Document
- Artists Insurance Policy
Developed in conjunction with a-n The Artists Information Company, acting on behalf of members of AIR (Artists' Interaction and Representation)
Policy Document - The SAA - Society For All Artists - Insurance
- SAA Members can benefit from FREE insurance cover for their paintings at exhibitions and professional artists, art clubs and groups can also benefit from third party public liability insurance.
* Standard membership: Free £500 Insurance for your paintings at exhibitions (UK)
* Silver membership: £2000 insurance for your paintings at exhibitions (UK)
* Gold membership: Free £5 million third party public liability insurance (UK) and Free £5000 insurance for your paintings at exhibitions (UK)
* Platinum membership: Gold level insurance + an additional Free £20,000 insurance for your paintings at exhibitions (UK)
Overseas members not covered for insurance - Compare artists insurance - public liability - equipment cover
- Compare and buy business insurance for artists online. Start saving money today with our easy to use comparison calculator. Compare quotes from leading business insurance providers. Get quotes now.
- Public Art Online Resources - Practical advice - Advice for artists - Insurance for Artists
- All aspects of the commissioning process from developing a public art strategy, finding an artist and funding - to managing a commission as an artist or project manager.
Art and Artist Insurance Policies - USA
These are links to sites which state they provide insurance for artists in the USA
- Art Studio Business Insurance, Artist Workroom Commercial Insurance, General Liability Insurance Art Shops
- Art studios, like other small businesses, need to protect company profits and assets while also providing the best protection they can for their customers. This is accomplished with business insurance coverage
- Artists & Craft Fair Liability Insurance | ACT Insurance Program
- ACT-InsPro offers insurance options and information to those in the Arts and Craft industry. Our mission is to create a simple and affordable way for small business owners to purchase insurance without having to compromise their coverage.
- Join American Craft Council | American Craft Council
- Professional membership offers Property/casualty group health insurance program: Discounted property/casualty insurance and small business group health plans customized for craft artists (including jewelers). The plan includes coverage for your business contents (on- and off-premises), liability money and security, loss of income, and more
- Fractured Atlas | Liability Insurance for Artists and Arts Organizations
- Lots of people can sell you insurance, but Fractured Atlas is different. We're a non-profit organization that supports the arts and creative industries.
Art and Artist Insurance Policies - Canada
These are links to sites which state they provide insurance for artists in Canada
- Insurance through Ingle International | CARFAC Ontario
- CARFAC Ontario partners with Ingle International to offer insurance services to members - providing access to the best providers of insurance products and services to suit your personal needs.
Health Insurance for Artists - USA
These are links to sites which state they provide help to artists who have health insurance needs
- Springboard health | Artists' Access to Healthcare (AAH)
- Springboard for the Arts connects artists to excellent, affordable community health resources.
BOOKS: Learn about Insurance
books on Amazon
Insurance for Art Collections
- AXA ART: Who We Insure
- Through our network of appointed brokers, we provide insurance coverage to owners of fine art and collectible objects in every active area of collecting.
More Resources for Artists
Making A Mark
Artist and author Katherine Tyrrell draws and writes about art for artists and art lovers.
Topics include: artists, art exhibitions, art blogs; art history; art techniques and tips; art business and marketing; art economy and making a mark with pastels, coloured pencils and pen and ink.
Making A Mark Reviews......
a consumer's guide to quality and value in art books, art supplies and services to artists
My aim is to try and identify good quality and good value. Read reviews about art books, art supplies and other products and services used by artists.
This blog highlights:
- book reviews (art instruction and art history)
- reviews of art media, art materials and art equipment
- reviews of places where you buy (art shops, online art suppliers and art bookshops)
- reviews of other products or services used by artists
- summaries of good quality and relevant reviews by other practising artists
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cffutah
Feb 28, 2012 @ 7:06 am | delete
- Enjoyed stopping by to read this.
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Resources for Artists
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I'm an artist and writer who enjoys sharing information about art. Making A Mark is rated #3 in the top 25 UK art blogs. I'm also a member of the Giants... more »
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