Artist Insurance

Artist Insurance

Comprehensive coverage for artists to protect them from the risks they face.

Zensurance - Artist Insurance

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Performing Artist

Business insurance for artists

Artists create things that offer new perspectives and connect people. To create works of art, an artist faces several challenges with certain risks. Along with the risks associated with the artistic process, art pieces are valuable, treasured items that should be protected.  Artist liability insurance is an important part of protecting artists and the work they create.

Zensurance can help you find the best rates for artist insurance, start our online application form to get a quote.

Artist insurance is a policy tailored to protect artists so they can focus on their work and not the risk of a liability claim. From the creation of artworks to delivering the work to galleries or museums to be displayed, there are several factors to consider when determining the best coverage to protect artists.

Artist insurance provides comprehensive coverage to protect you and your business from unforeseen risks. A comprehensive artist insurance package typically includes the following:

  • Commercial General Liability (CGL) Insurance: CGL, commonly referred to as “slip-and-fall” insurance, is an important part of protecting you and your business from everyday mishaps. It protects against third-party bodily injury and property damage claims and provides financial support for accidents and negligence.
  • Commercial Property Insurance: Commercial property insurance can provide financial coverage for physical loss or damage to your property. Whether you rent or own your studio space, commercial property insurance covers an insured peril, or an accident covered by your insurance policy. That includes damage or loss of art supplies and materials from perils such as theft, fire, flood, vandalism, and extreme weather.
    • Installation floater: An installation floater is an add-on coverage that will cover the cost of any damage to your property that is being installed at a client location. This includes during transit, before installation, and while your property is installed.
  • Equipment Breakdown Insurance: Equipment breakdown insurance is vital for small business owners, such as independent artists, who use expensive equipment to produce their work.
  • Cyber Liability Insurance: As an artist, you most likely display your artwork online and in person. Cyber liability insurance protects you and your business if your online business systems are hacked or breached.

Optional coverage:

  • Professional Liability Insurance: Also known as errors and omissions, professional liability insurance protects you against claims that a service you provided led to financial loss, whether because of negligence, misconduct, or failure to deliver a service as promised. For example, a client feels the painting they purchased from your website wasn’t as advertised, so they decide to sue. Your professional liability insurance may cover the cost of your legal fees.
  • Event Liability Insurance: If you host an art exhibition at a rented venue or public space, event liability insurance is necessary to cover third-party bodily injury and third-party property damage claims. For example, if one of your attendees falls and is injured or their mobile device is damaged, event liability insurance may pay for their medical expenses or damages to their mobile device. When renting a venue to host your exhibition, the venue owner will typically require you to have event liability insurance.

The amount of coverage an artist should consider depends on the nature of their work and their process

The cost of artist insurance will vary for each professional, and several factors are considered when determining a price for your policy. These include:

  • The services you offer
  • Your businesses location
  • Years of experience
  • Your insurance claims history
  • Your annual gross and projected revenue
  • The value of your assets and property

Artists are vulnerable to claims even when every precaution is taken. Whether it is expensive equipment that is damaged or a fire in your studio, a wide range of artists can benefit from insurance protection, including:

  • Painters
  • Potters
  • Digital artists
  • Tattooists
  • Textile artists
  • Photographers
  • Sculptors
  • Illustrators
  • Cinematographers
  • Craft artists

Getting insured is quick and easy!

Complete our 5-minute online application for a free artist liability insurance quote.

Common claims scenarios

art piece missing from collection

Problem: An art piece is stolen from your car while parked outside of a gallery.

Outcome: Your commercial property insurance may cover the cost of the art piece.

Customer walking in art gallery

Problem: A potential client plans a studio visit. Upon arrival, they slip and fall and are injured.

Outcome: Your commercial general liability insurance may cover your client’s legal fees and medical expenses.

online art website

Problem: Your online art store is hacked and your clients’ financial information is compromised.

Outcome: Your cyber liability insurance may cover the cost to repair your data systems, notify your customers, and cover legal fees.

Frequently asked questions

Do artists who don’t have a studio need insurance?

Yes. Artists who create in any venue need insurance, whether that is in a studio, a shared space, or your backyard. There is always a risk that an accident could happen.

Does artist insurance cover my work if I only sell online?

Yes. Your artist insurance will protect you and your assets even if you mainly operate in a digital gallery space.

Will my artist insurance cover for exhibitions?

Yes. Artist insurance can protect you from claims of third-party injury or property damages during an exhibition.

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Ready to start? Let’s get a quote!

Artists often only have themselves to rely on to protect their business, and it doesn’t need to be that way.  Let Zensurance help you find an artist insurance policy that protects your business and assets.