Table of Contents » Chapter 5 : Studio » Chapter 5 : Studio Insurance

Chapter 5 : Studio Insurance

Something to consider!?!

Educate yourself about what you need to know to protect yourself, your studio and out public!As with health insurance, it is important to shop around. Their premiums are determined by your state/county of residence and by your declared property (raw materials, tools, etc.) value.

American Craft Council Insurance Program
associationmembersinsurance.com

The risks and liabilities of the Craft Industry demand specialized insurance protection. We offer members of the ACC a cost-effective policy specifically designed for the industry, with the ability to customize to individual businesses, artists and retailers. It’s comprehensive protection designed to meet the needs of the Craft Industry. (more information listed below)

Studio Protector (CREF+)
studioprotector.org

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.
Types of Insurance that Sculptors Regularly Need to Obtain for their Studios, Employees, and Exhibitions
by Daniel Grant

“Just when it seemed that things couldn’t get any worse: the worst happened to Charles Ginnever. In the spring of 2003, the sculptor, who divides his time between Vermont and California, was given two months to leave the house and studio he had been renting for 13 years in the West Coast town of Petaluma: the owner was looking to sell, and the price was higher than Ginnever could pay. Read More...

Property Protection

All Risk Replacement Cost

  • Buildings
  • Office Contents
  • Machinery & Equipment
  • Raw Materials
  • Inventory
  • Goods on Consignment
  • Goods in Process
  • Finished Goods
  • Goods in Transit
  • Goods at Shows
  • Drawings & Valuable Papers
  • Loss of Income
  • Accounts Receivables
  • Extra Expenses
  • Computers

Protection from Crime Losses

  • Theft
  • Burglary
  • Robbery

*Subject to exclusions, i.e. flood, earthquake, inventory shortage

General Liability

  • Premise/Off Premises
  • Operations
  • Contractual
  • Products
  • Completed Operations
  • Medical Payments
  • Attorney & Legal Costs
  • High Limits – $1 Million

Umbrella Liability (Optional)

  • Catastrophic Loss
  • Financial Ruin Protection Coverage – $1 Million & more

American Craft Council Insurance Program
associationmembersinsurance.com

The risks and liabilities of the Craft Industry demand specialized insurance protection. We offer members of the ACC a cost-effective policy specifically designed for the industry, with the ability to customize to individual businesses, artists and retailers. It’s comprehensive protection designed to meet the needs of the Craft Industry. (more information listed below)
ACC Program Discounts

ACC Members receive significant discounts and are eligible for special plan features including premium payment options at certain levels.

Rates, minimum premiums and eligibility may vary by state. Coverage described is intentionally brief and subject to the terms and conditions and exclusions of the actual policy.

The American Craft Council Insurance program was designed for the craft industry. It is the only business insurance program:

  • Endorsed by the American Craft Council
  • Administered by the program experts, the Managing Agency Group
  • Over ten years of experience working with the Craft Industry needs
  • Dedicated staff providing underwriting and service exclusively to ACC accounts
  • Provides broad policy coverage that addresses the needs of the individual client

CERF+. Business Insurance Guidebook for Artist. print an free pdf available at: Online Guide / Getting the Right Insurance Coverage