What is the artist looking for?

Design Liability which licensed design professionals like architects and engineers can get or

Business Liability?

These are two different types of policies. 

The cheapest route for a non licensed individual is to get a general business liability policy and then hire a structural engineer to design the structural elements in each project. 

You might also want to look at your corporate structure 

Charles Bergen
202 546 2339

On Jan 30, 2019, at 12:14 PM, Julia Muney Moore <jmoore@indyarts.org> wrote:

Since any professional liability (errors and omissions) policy written to cover fine artists is likely to be junk (PL policies generally are written to cover people who are subject to license requirements), we have found that if PL is required by the city, the artist should partner with an engineer or architect and the artwork would be covered by their PL policy.  Sometimes an artist can be considered part of a design team and covered under their PL policy.

Julia Muney Moore
Director of Public Art
Arts Council of Indianapolis

924 N. Pennsylvania St.
Indianapolis, IN  46204
(317) 631-3301 x 240
(317) 332-8382 mobile

On Wed, Jan 30, 2019 at 11:36 AM Lauren Kennedy <lauren@uacmem.org> wrote:
Good morning, everyone,

We are looking into a different insurance structure where artists could possibly go through us for the professional and general liability insurance for public art projects. Do any of you have examples of a policy like this? We have found that the insurance requirements needed by the City of Memphis can be a real cost burden to artists over the life of a project, and wanting to make that a bit easier if possible. 

Thanks in advance for any thoughts you can send our way!

Lauren Kennedy
Executive Director :: UrbanArt Commission
422 N. Cleveland St.
Memphis, TN 38104

lauren@uacmem.org :: 901.552.3934

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