Artists Liability insurance

ARTIST INSURANCE

As an artist, you’ve worked hard to create pieces that connect on an emotional level with your customers. Accordingly, at Artist, Crafters, & Tradesman Insurance, we created two policies to meet your needs. Both options are available in all 50 states and provide $1 million per occurrence and a $2 million aggregate general liability limit.

Read an overview of our artist insurance policy.

ANNUAL INSURANCE

The ACT annual artist insurance policy is excellent for those who attend multiple shows every year and offers broader coverage than the show/event policy. Starting at $265 per year, some of the highlights include:

No liability deductible
General & Product liability coverage
Coverage for supplies, equipment, products
Optional professional liability

To buy an annual policy, click here.

SHOW & EVENT INSURANCE

If you only attend a few shows every year, and aren't worried about professional coverage or product liability coverage, then the show policy might be the artist insurance coverage for your business. The policy starts at $49 and some policy highlights include:

Terms as short as 1–3 days
$1M per occurrence with a $2M Aggregate General liability Limits. (Product and professional liability excluded)
Meets most show & event venue requirements

To purchase a Show Policy, click here.

Which Policy Best Meets Your Needs?

	Annual Policy	Show Policy
24/7 Access to Policy Documents
Licensed in All 50 States
Not Premises Specific
$2M General Liability Aggregate
$1M General Liability Per Occurrence
$5K Medical Expenses
Coverage for Damages to Premises Rented to You	$300K Limit	$300K Limit
Coverage While Selling at Events, Festivals, and Shows
No Deductible on Liability Claims
12 Months of Coverage		1-90 days
Products & Completed Operations Coverage	$1M Limit
Business Personal Property Coverage	$5K/$10K Limits
Personal & Advertising Injury Coverage	$1M Limit
General Liability for Online Sales
Optional Professional Liability

**Please note these are brief definitions of coverage and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.

Common Artist Insurance Questions

What Is Artist Insurance?

Artist insurance is designed to protect you from liability exposures while you sell or showcase your work at fairs and festivals. An ACT Insurance Show Policy allows you to customize your coverage term for as little as 1–3 consecutive days or for as long as 90 days. The Annual Policy gives you insurance coverage for a full 365 days.

How Much Is Artist Insurance?

An ACT Show Policy starts at $49 for 1–3 days, but it can be extended to 90 days for $99. However, if you are an artist who will be attending many shows throughout the year, you might consider an ACT Annual Policy, which is only $265—less than a dollar per day!

Do I Need Artist Insurance?

The short answer is yes. An ACT Insurance policy adds credibility and positions you as a professional. However, there are other reasons artists need insurance. If you take your art to shows and fairs, many times directors will require you to have liability insurance policy and add them as an additional insured.