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What is artist insurance?

Artist insurance is a policy, or a set of policies, meant specifically for professional artists – individuals who produce paintings and similar pieces for galleries, exhibitions, studios and other displays. While at a glance, it may not seem like artists need insurance, which may be true in some cases, but if your art is actually making you money, then insurance is crucial if you want to protect that income. This includes covering the art pieces themselves as well as your art supplies and potential liabilities during exhibitions. Here’s an example of something that could happen to any artist – you bring your art piece to a gallery and leave it in your car. While you’re gone, the art piece gets stolen, leaving you with nothing to show. While insurance won’t bring the stolen art piece back, it can, at the very least, reimburse you for your loss, making sure you still get paid. So, if you take your artwork seriously, insurance can be invaluable.

What artist insurance includes

Artist insurance would usually cover you in the following areas:

Recommended add-ons for artist insurance coverage

While the basic coverage may seem comprehensive enough, there are numerous other protections that you may want to consider, including these:

Common types of artist insurance claims

The hope is that you’ll never have to file an insurance claim in your life. However, statistically speaking, claims do happen – in the art world and everywhere – so, with that in mind, here are some of the most common examples:

How much does artist insurance cost?

There is no way to quote the exact premiums that you will pay – at least, not without accounting for your personal circumstances. At the end of the day, every artist will pay their own premium. That said, the average artist should expect to pay about $300 to $1,000 per year.

Some of the factors that may impact your insurance premium include:

How to get the cheapest artist insurance rates

Finding affordable artist insurance doesn’t mean you have to compromise on coverage. Here are some tips to get the best rates:

Artist insurance in Canada: What you need to know

Canadian artists have specific needs and regulations when it comes to insurance. Here's what you need to know:

Provincial regulations: Insurance requirements can vary by province, so it's essential to understand the local laws where you live and work.

Coverage for international sales: If you sell your work internationally, ensure your policy covers liabilities and losses related to global transactions.

Navigating the Canadian insurance landscape can be complex, but understanding these nuances can help you make informed decisions.

Your questions about artist insurance, answered

 

What is the primary benefit of having artist insurance?

The primary benefit of artist insurance is the peace of mind it offers, knowing that your valuable art pieces, tools, and professional activities are protected against unexpected events. This allows you to focus on your creative process without worrying about potential financial setbacks.

Is artist insurance mandatory for exhibiting in galleries?

While not always mandatory, many galleries and venues strongly recommend or require artists to have liability insurance to cover any potential incidents during exhibitions. Having insurance can also make you a more attractive candidate for gallery representation.

Can I customize my artist insurance policy?

Yes, most insurance providers offer customizable policies that allow you to add specific coverages based on your unique needs. This ensures that you’re only paying for the protection you need and not for unnecessary extras.