Clink link to download CPC - Insurance for Visual Artists and Photographers (250)
Obtaining appropriate insurance is vital for visual artists and photographers. Just like any kind of endeavour the creation of art brings with it its own unique risks that need to be specifically considered and provided for. In this Fact Sheet we consider some of the key principles for visual artists and photographers to be aware of when it comes to insurance. The specific questions we address are:
• Why do I need insurance?
• Where can I buy insurance from?
• What are the types of insurance a visual artist or photographer can get?
• Are there any types of insurance I should make sure I have for certain projects?
• What are some of the key things I should make sure that insurance covers me for in any situation?
• Are there any types of events or things that I won’t be able to get insurance for?
• If my work is with a gallery do I still need to have the work insured?
• If the gallery isn’t going to insure my work what should I make sure my insurance in respect of my artwork covers?
• What type of information do I have to provide when seeking insurance cover?
• How can I make sure my insurance premiums stay as low as possible?
• Can I get insurance to cover work being transported to or from a gallery?
• Should it be my responsibility or the gallery’s to arrange insurance for transporting my work to and from the gallery?
• What types of things will invalidate my insurance in any case?
• Can I still get insurance cover if I am not operating through a company?
• How much does insurance cost?
• What details about my situation will an insurer want to know?
• Will my policy be invalidated if I’m late with paying a premium?
• If I have to claim under my insurance how long will it take to get paid out?
• If I insure an artwork and it is damaged partially but I don’t think it can reasonably be repaired can I demand to be paid out for it or is it the insurance company’s decision?
• If an insurance company pays out for a damaged beyond repair piece of artwork do they then own the artwork and can they do with it what they want?