Insurance Resources

CERF+ maintains a listing of nationally-marketed business insurance plans that have been designed for artists, and resources to assist artists in making informed decisions. If you find a listing that is no longer up-to-date or fail to receive a reply, please send us an email.


Business Insurance Plans

The following organizations and companies offer business insurance to artists. We provide this as a resource only, and do not endorse products offered by any company or organization. If you know of other organizations or companies who have plans specifically designed for artists please contact us at: insurance@studioprotector.org
 

To filter the listings select the criteria that apply to your search and press the "filter" button. The clear filters link will return the entire list and clear your filter selections.

 

Artist Type:

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AAW Sponsored Insurance

Offered By:
Artist Types: Craft Artist American Association of Woodturners
Plan Types: Membership Group Plan St. Paul, MN 55102
Plan contact information:
How Quoted: Custom Quote http://www.associationmembersinsurance.com/aaw
Excluded States: none Michael George
$ for certificate of ins./Add'l. Insured: $0/$0 317-735-4072
Underwritten by: Travelers, Hartford, Others mgeorge@associationmembersinsurance.org
Coverage Available: Business Personal Property,Business Property,Business Owners Policy (BOP),General Liability,Workers Compensation

As a service to its members, the American Association of Woodturners is sponsoring policies offered by Association Insurance Programs. The AAW endorsed program offers specialized policies that can be customized to fit the needs of their member businesses. 
View Details

ACC Sponsored Insurance

Offered By:
Artist Types: Craft Artist, Visual Artist American Craft Council
Plan Types: Membership Group Plan Minneapolis, MN 55413-1089
Plan contact information:
How Quoted: Custom Quote http://www.associationmembersinsurance.com/acc
Excluded States: none Michael George
$ for certificate of ins./Add'l. Insured: $0/$0 317-735-4072
Underwritten by: Travelers, Hartford, Others mgeorge@associationmembersinsurance.org
Coverage Available: Business Personal Property,Business Property,Business Owners Policy (BOP),General Liability,Workers Compensation

As a service to its members, the American Craft Association is sponsoring policies offered by Association Insurance Programs. The ACC endorsed program offers specialized policies that can be customized to fit the needs of their member businesses.


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Art Glass Association Sponsored Insurance

Offered By:
Artist Types: Craft Artist Art Glass Association
Plan Types: Membership Group Plan Zanesville, OH 43702-2537
Plan contact information:
How Quoted: Custom Quote http://www.associationmembersinsurance.com/artglass
Excluded States: none Michael George
$ for certificate of ins./Add'l. Insured: $0/$0 317-735-4072
Underwritten by: Travelers, Hartford, Others mgeorge@associationmembersinsurance.org
Coverage Available: Business Personal Property,Business Property,Business Owners Policy (BOP),General Liability,Workers Compensation

As a service to its members, the Art Glass Association is sponsoring policies offered by Association Insurance Programs. The AGA endorsed program offers specialized policies that can be customized to fit the needs of their member businesses. 


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Artist and Craft Artist Program

Offered By:
Artist Types: Craft Artist, Visual Artist Brower Insurance
Plan Types: Individual Business Columbus, OH 43240
Plan contact information:
How Quoted: Self-quote-select coverage levels from list http://www.browerinsurance.com/business/specialty-programs/artist-program
Excluded States: LA Dave Kotary
$ for certificate of ins./Add'l. Insured: $0/$20 (614) 918-2276
Underwritten by: Westfield Insurance Company dkotary@browerinsurance.com
Coverage Available: Business Personal Property,General Liability,Inland Marine

Brower Insurance has a basic property and liability policy for artists and craft artists in the US. A plan that provides property, liability, and inland marine (away from business location) insurance starts at $340 per year, with options to increase liability coverage up to $2 Million, and property up to $100,000. Brower Insurance can also craft individualized policies that meet specific needs of artists anywhere in the US.
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Artists, Crafters & Tradesman Association (ACTinsPro)

Offered By:
Artist Types: Craft Artist, Visual Artist, Musician, Performing Artist Great American Insurance Company
Cincinnati, OH 45202
Plan contact information:
How Quoted: website application and purchase - complete online process http://www.actinspro.com
Excluded States: none Daryle Stafford
$ for certificate of ins./Add'l. Insured: none 888-395-1308
Underwritten by: Veracity Insurance Solutions, LLC info@veracityins.com
Coverage Available: Business Personal Property,General Liability,Single Exhibit Liability,Event Liability,Inland Marine

The ACTInsPro website was developed to offer insurance options for artists and information to those in the Arts and Craft industry. Great American Insurance Company's mission is to create a simple and affordable way for small business owners to purchase insurance without having to compromise their coverage.


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Brower Individual Policies

Offered By:
Artist Types: Craft Artist, Visual Artist, Musician, Performing Artist Brower Insurance
Plan Types: Individual Business Columbus, OH 43240
Plan contact information:
How Quoted: Custom quote http://www.browerinsurance.com
Excluded States: none Dave Kotary
$ for certificate of ins./Add'l. Insured: $0/$0 (614) 918-2276
Underwritten by: Westfield, Philadelphia, Travelers, CNA, Hartford, and others as needed dkotary@browerinsurance.com
Coverage Available: Business Personal Property,Business Property,Business Owners Policy (BOP),General Liability,Single Exhibit Liability,Professional Liability,Event Liability,Inland Marine,Workers Compensation,Flood Insurance

We gain an understanding of the insured's business, insurance needs and budget, and design an insurance program to address each. We provide coverage options so the insured can design his/her own program to meet his/her specifications.
Rating: (1)

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Concessionaire / Exhibitor / Vendor Program

Offered By:
Artist Types: Craft Artist, Visual Artist, Musician, Performing Artist K&K Insurance Group, Inc.
Plan Types: Individual Business Fort Wayne, IN 46804
Plan contact information:
How Quoted: Visit our website, answer a few questions and receive a quote immediately http://www.eventinsurance-kk.com
Excluded States: none
$ for certificate of ins./Add'l. Insured: $0/$0
Underwritten by: K&K Insurance Group, Inc.
Coverage Available: Business Personal Property,Business Property,General Liability,Professional Liability,Event Liability,Inland Marine

Designed for vendors who sell, display, demonstrate or promote their products or services on a short term basis away from any owned or long-term leased premises. Operations can be conducted from a kiosk, booth, cart, trailer, tent or outdoor area.  Coverage also available for performing artists; see www.kandkinsurance.com for more information.

 

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Insurance for Craft and Visual Artists

Offered By:
Artist Types: Craft Artist, Visual Artist Fractured Atlas
Plan Types: Individual Business New York, NY 10001
Plan contact information:
How Quoted: Complete an application on the Fractured Atlas website http://www.fracturedatlas.org/site/liability/
Excluded States: none
$ for certificate of ins./Add'l. Insured: $0/$0
Underwritten by: CNA, Hartford, Aspen
Coverage Available: Business Personal Property,Business Property,Business Owners Policy (BOP),General Liability,Professional Liability,Event Liability,Inland Marine,Workers Compensation

Fractured Atlas is a nonprofit artist service organization. Among their programs are a wide variety of insurance plans designed for visual and performing artists. Fractured Atlas has a licensed insurance broker on staff to work with artists.

To apply to this insurance program you must be a Fractured Atlas member first.  You can sign up for a free membership by using the following link www.fracturedatlas.org/cerf.  Fractured Atlas also provides a complimentary copy of the Studio Protector ® Wall Guide to artists who enroll in the plan.


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Insurance for Performing Artists

Offered By:
Artist Types: Musician, Performing Artist Fractured Atlas
Plan Types: Individual Business New York, NY 10001
Plan contact information:
How Quoted: Complete an application on the Fractured Atlas website http://www.fracturedatlas.org/site/liability/
Excluded States: none
$ for certificate of ins./Add'l. Insured: $0/$0
Underwritten by: Philadelphia Insurance, Aspen
Coverage Available: Business Personal Property,Business Property,Business Owners Policy (BOP),General Liability,Professional Liability,Event Liability,Inland Marine,Workers Compensation

Fractured Atlas is a nonprofit artist service organization. Among their programs are a wide variety of insurance plans designed for visual and performing artists. Fractured Atlas has a licensed insurance broker on staff to work with artists.

To apply to this insurance program you must be a Fractured Atlas member first.  You can sign up for a free membership by using the following link www.fracturedatlas.org/cerf.  Fractured Atlas also provides a complimentary copy of the Studio Protector ® Wall Guide to artists who enroll in the plan.


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International Encaustic Artists Sponsored Insurance

Offered By:
Artist Types: Craft Artist, Visual Artist International Encaustic Artists
Plan Types: Membership Group Plan Novato, CA
Plan contact information:
How Quoted: Custom Quote http://www.associationmembersinsurance.com/artisans_quote
Excluded States: none Michael George
$ for certificate of ins./Add'l. Insured: $0/$0 317-735-4072
Underwritten by: Travelers, Hartford, Others mgeorge@associationmembersinsurance.org
Coverage Available: Business Personal Property,Business Property,Business Owners Policy (BOP),General Liability,Workers Compensation

As a service to its members, the International Encaustic Artists is sponsoring policies offered by Association Insurance Programs. The IEA endorsed program offers specialized policies that can be customized to fit the needs of their member businesses. 


View Details

Jewelers Mutual Insurance

Offered By:
Artist Types: Craft Artist Jewelers Mutual Insurance Company
Plan Types: Individual Business Neenah, WI 54957
Plan contact information:
How Quoted: Please call 800-558-6411 to be put in contact with a local agent that can provide you with a Jewelers Mutual quote. http://jewelersmutual.com/Business-Jewelry-Insurance.aspx
Excluded States: none
Coverage Available: Business Personal Property,Business Property,Business Owners Policy (BOP),General Liability,Single Exhibit Liability,Professional Liability,Event Liability,Inland Marine

The Jewelers Standard provides coverage for:
-Your inventory of jewelry stock for sale. 
-Primary coverage for customers' property (from those not in the jewelry business) that has been delivered or entrusted to you. 
-The expense of hiring a trained security guard in the unusual situation we require a guard due to alarm system failure. 
-Accounting expenses if we agree that you should hire an accounting firm to present a claim for property losses.


View Details

Professional Photography Insurance Package

Offered By:
Artist Types: Craft Artist, Visual Artist APA Insurance Services
Plan Types: Membership Group Plan,Individual Business Alpharetta, GA 30022
Plan contact information:
http://www.apainsuranceservices.com/insurance-for-photographers
Excluded States: none Karen Stetz
$ for certificate of ins./Add'l. Insured: $0/$0 678-822-0150
Underwritten by: CNA, The Hartford, Fireman's Fund karen@apainsuranceservices.com
Coverage Available: Business Personal Property,Business Property,Business Owners Policy (BOP),General Liability,Professional Liability,Event Liability,Inland Marine,Workers Compensation

Our custom photography insurance packages are tailored to cover the unique risk exposures of each professional photographer.


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Quilters Insurance

Offered By:
Artist Types: Craft Artist HUB International Insurance Services
Plan Types: Individual Business Phoenix, AZ 85020
Plan contact information:
How Quoted: Contact Chris Johnston none
Excluded States: unknown Chris Johnston
$ for certificate of ins./Add'l. Insured: unknown 602-749-4282
Underwritten by: unknown chris.johnston@hubinternational.com
Coverage Available: Business Personal Property,Business Owners Policy (BOP)

A business insurance policy designed for quilters who work from home with minimal retail traffic.


View Details

RLI - Home Business Insurance

Offered By:
Artist Types: Craft Artist, Visual Artist, Musician, Performing Artist RLI
Plan Types: Individual Business Peoria, IL 61615
Plan contact information:
How Quoted: Contact Chris Alexander http://www.insuremyhomebiz.com
Excluded States: none Chris Alexander
$ for certificate of ins./Add'l. Insured: $20/$20 309-692-1000 ext 5481
Underwritten by: RLI Insurance Company chris.alexander@rlicorp.com
Coverage Available: Business Personal Property,Business Owners Policy (BOP),General Liability

RLI - Home Business Insurance (HBI) - Coverage for Business Property / General Liability for Home Based Businesses.

Protects businesses you run from home (full or part-time) from losses not typically covered by a homeowners policy. Before you find a business to start from home, make sure you can find insurance to cover it — on the road or at home.


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Business Insurance Guidebook for Artists

A Studio Protector® publication by CERF+, this pocket-sized booklet contains the essential information you need to assess your business insurance needs and to purchase a business insurance policy for your studio — all in easy to follow checklists and tips.  It is available for $3.00 including postage from the CERF+ Store.

A printable pdf version is also available for free download.

 

Business Insurance Guidebook for Artists, pdf, 1.5MB

 

Insurance Resources

The following companies and organizations may be helpful in researching business insurance and in checking out specific insurance companies and underwriters. Also, see other pages in this section.


A. M. BEST COMPANY, INC.

A. M. Best Company does independent ratings of insurance companies. Register with them to access the financial stability ratings for your current or potential insurance carrier.

Ambest Road
Oldwick, NJ 08858
Phone: 908-439-2200
E-mail: customer_service@ambest.com
www.ambest.com


FIGHT BAD-FAITH INSURANCE COMPANIES (FBIC)

FBIC compiles ratings from state insurance agencies and from individuals who have made insurance claims to establish good and bad faith ratings for insurance companies.

E-mail: MyBadFaithStory@badfaithinsurance.org
www.badfaithinsurance.org


INSURANCE INFORMATION INSTITUTE

This insurance industry supported site has information about a wide variety of types of insurance, news items about insurance industry trends, and a variety of consumer-oriented brochures that can be viewed online or downloaded (http://www2.iii.org/store/index.cfm?section=Online - scroll down to find listings).

10 William Street
New York, NY 10038
Phone: 212-346-5500
www.iii.org


STANDARD & POOR'S

Standard & Poor's does independent ratings of insurance companies. Register with them to access the financial stability ratings for your current or potential insurance carrier.

55 Water Street
New York, NY 10041
Phone: 212-438-1000
E-mail: questions@standardandpoors.com
www.standardandpoors.com


STATE INSURANCE DEPARTMENT LISTING

Through your insurance commissioner’s office you can find out if an insurance company is licensed to do business in your state. Some states also maintain complaince rankings for insurance companies doing business in their state. Your insurance commissioner's office may also be of assistance if you have a claims-related dispute with your insurance company.

National Association of Insurance Commissioners
2301 McGee Street Suite 800
Kansas City, MO 64108-2662
Phone: 816-842-3600
www.naic.org


UNITED POLICYHOLDERS

A non-profit organization dedicated to educating the public on insurance issues and consumer rights. The website contains much useful on purchasing insurance and information relating to making an insurance claim.

110 Pacific Avenue, PMB 262
San Francisco, CA 94111
Phone: 510-763-9740
E-mail: info@unitedpolicyholders.org
www.unitedpolicyholders.org   



 

Tim & Nora

Do I Need Property Insurance for My Art Studio?

In this animation, Nora is trying to decide whether she needs business insurance for her new art studio. In Part 1, she and Tim talk about property insurance.

Property Insurance

In this animation, Nora is trying to decide whether she needs business insurance for her new art studio. In Part 1, she and Tim talk about property insurance.

Tim & Nora

Property Insurance

 Do I Need Property Insurance for My Art Studio?

In this animation, Nora is trying to decide whether she needs business insurance for her new art studio. In Part 1, she and Tim talk about property insurance.


Tim & Nora

Do I Need Liability Insurance for My Art Studio?

In this animated video, Nora is trying to decide whether she needs business insurance for her new art studio. Part 2: She and Tim talk about liability insurance.

Liability Insurance

In this animated video, Nora is trying to decide whether she needs business insurance for her new art studio. Part 2: She and Tim talk about liability insurance.

Tim & Nora

Liability Insurance

 Do I Need Liability Insurance for My Art Studio?

In this animated video, Nora is trying to decide whether she needs business insurance for her new art studio. Part 2: She and Tim talk about liability insurance.


Casey Summar

Artists and Business Insurance

Casey Summar, Executive Director of Volunteer Lawyers and Professionals for the Arts (Nashville, TN) talks about potential liabilities and why artists should consider purchasing business insurance.

Why Artists Need Business Insurance

Casey Summar, Executive Director of Volunteer Lawyers and Professionals for the Arts (Nashville, TN) talks about potential liabilities and why artists should consider purchasing business insurance.

Casey Summar

Why Artists Need Business Insurance

 Artists and Business Insurance

Casey Summar, Executive Director of Volunteer Lawyers and Professionals for the Arts (Nashville, TN) talks about potential liabilities and why artists should consider purchasing business insurance.


Carrie Logan

Artists' Preparedness and Insurance

Carrie Logan, Public Arts Manager for the Metro Nashville Arts Commission speaks about public art contracts, liability insurance requirements, and the need for artists to be prepared for emergencies.

Business Insurance for Artists

Carrie Logan, Public Arts Manager for the Metro Nashville Arts Commission speaks about public art contracts, liability insurance requirements, and the need for artists to be prepared for emergencies.

Carrie Logan

Business Insurance for Artists

 Artists' Preparedness and Insurance

Carrie Logan, Public Arts Manager for the Metro Nashville Arts Commission speaks about public art contracts, liability insurance requirements, and the need for artists to be prepared for emergencies.


Gary Spykman

If the Water Comes Up...You're Not Covered

Furniture maker Gary Spykman talks about an insurance issue that arose after his studio was flooded.

Flood Insurance

Furniture maker Gary Spykman talks about an insurance issue that arose after his studio was flooded.

Gary Spykman

Flood Insurance

 If the Water Comes Up...You're Not Covered

Furniture maker Gary Spykman talks about an insurance issue that arose after his studio was flooded.


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