Insurance for Artists & Writers

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.

Health Insurance is the most common insurance for individuals. The insurance covers the basic health care costs from routine physicals and blood tests, to major ailments and accidents. The insurance will reimburse for the expenses you incurred from the illness or injury.