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Essential coverages to meet client demands
When you also have equipment or operate from a gallery
All Basic plan benefits and:
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
As an artist or writer, there is much to cover from the location where you work to the work you provide for a client. It is important to cover your contracts, whether a client may be unhappy with your work or an outside party claims it isn't your own. There is potential loss of equipment, data release, theft, and all those things can be covered with different policies.
General Liability insurance is your safety net against the most common liabilities that artists face at the scope of their business operations. The insurance can protect your business form a variety of claims like bodily injury, property damage and personal injury that arise from your daily business operations.
While you and your employees are unlikely to get sick or injured severely on the job compared to other jobs, Workers' Compensation insurance is still quality protection. It protects your employees from unexpected and unlikely situations that could put a huge dent in your finances when you're not prepared. Moreover, it could result in a more costly lawsuit.
Business Interruption covers the loss of income when you have to close your business temporarily. This extra layer of protection covers the damages, the profits you would have earned when the incident occured, the operating expenses like your employees' wages even though your business is temporarily closed and the expense of moving the business to a temporary location if needed.
Your works of art are your lifeblood, and when an accident happens during transit make sure that your artworks are fully protected. Inland Marine insurance covers the loss to immovable property. The insurance will provide additional protection to theft or property damage while the artwork is in transit.
Your business may face content-related media exposures that can ruin your reputation. Media Liability is a type of errors & omissions (E&O) insurance designed for broadcasters, writers, publishers, and other media-related industries that protects your business from copyright infringement, defamation, etc. It helps cover the costs associated with lawsuits.
Commercial Property insurance protects the property that you use during the course of your business operation As artists, that means the tools and equipment that you use to make your business work. It is also the property or building in which your art installation resides. The insurance will cover the loss of income or increase in expenses that resulted from the property damage.
Individuals that work in this industry provide expertise on different productions. People who work in this industry include independent actors or actresses, independent producers, independent art restorers, independent recording technicians, independent artists (except musical, commercial, or medical), independent speakers, independent cartoonists, independent theatrical costume designers, independent dancers, independent theatrical lighting technicians and independent journalists.
When a visitor or client damages a possession or suffers a loss or injury as a result of your activities, General Liability insurance will provide coverage for that. If you show your work publicly, deliver to workshops, or visit client premises and have access to their equipment, this insurance covers damage to someone else's property when you are liable.
Artists and writers can be held liable in a number of circumsatance when they perform their work for others. Property and equipment damage during an event, even if it's the visitor's fault. Employee illness due to the materials or paints used for an art installation is also possible.
While most writers won't get sued during their careers, it is possible. The results can be devastating to your business. The words you use when writing an article or a book can be used to sue you for misuse, forgery or other claims.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
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