Insurance for Artists: What You Need to Know

Whether you’re a visual artist, performer, musician, writer, or creative business owner, having the right insurance can protect you from unexpected risks. From public liability to equipment cover, insurance is an essential safeguard for your artistic practice.

Why Do Artists Need Insurance?

Many venues, festivals, markets, and funding bodies require artists to have public liability insurance before they can exhibit, perform, or participate. Additionally, insurance can cover loss or damage to valuable tools, materials, or artwork.

Key Types of Insurance for Artists

• Public Liability Insurance – Protects against claims for injury or property damage caused by your work or activities.
• Professional Indemnity Insurance – Covers legal costs and damages if someone claims your advice or services caused them financial loss.
• Equipment and Contents Insurance – Covers theft, loss, or damage to essential tools, instruments, or studio equipment.
• Personal Accident Insurance – Provides financial support if you’re injured and unable to work.
• Workers’ Compensation – Required if you employ staff in your creative business.

Where Can You Get Insurance?

Several providers offer tailored policies for creatives:

• National Association for the Visual Arts (NAVA) – Membership includes public liability and professional indemnity insurance for visual artists.
• Australian Writers’ Guild (AWG) – Offers insurance options for writers, screenwriters, and editors.
• Arts Law Centre of Australia – Provides legal and insurance advice specific to artists.
• Duck for Cover – A budget-friendly option for performers, musicians, and creative professionals.
• Local Business Insurers – Many general insurers, such as AON, Finsura and Guild Insurance, offer artist-specific policies.

Before purchasing insurance, assess your specific needs and compare policies to ensure you get the right coverage.

For more information, visit the Arts Law Centre of Australia for tailored advice.

Image courtesy of Indigo Shire Council and Drag’d Out Festival 2023.