My experience also is that professional liability insurance is not available for artists (general business coverage is but can be expensive). Helen, if you have information about carriers providing professional liability insurance for artists, I’d love to know more!

Generally what I’ve seen is that the insurance is either based on licensing requirements for which most artists don’t actually qualify (ie. Landscape architecture), or it excludes so much (like any design work) that it becomes basically ineffective in the event it actually had to be activated. This is particularly problematic for Design Only deals where there may be no licensed professional involved in addition to the artist.

If there is anyone out there who has know of specific information about professional liability insurance for artists that truly operates as an E&O policy and offers comprehensive or at least substantial coverage, please post some details. This is a very important and tricky area!

Sarah Conley Odenkirk, Esq.

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Los Angeles, CA 90028

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Hello Lauren and colleagues,

The cost of GL coverage is high in our field, especially for artists working with small budgets.

Check to see if Memphis participates in the SPARTA program (Special Events and Artisan, Tradesmen Contractors). It is not always a cheaper option, but is available to independent artists and artisans work with participating municipalities. https://www.2sparta.com/

Another option is for an artist to be subcontracted through a third party, likely the site manager. A willing convention center or park could subcontract the artist, and add them to their GL policy, to ensure realization of the artwork.

Despite what others have written, artists can get professional liability insurance coverage. I have carried it myself here in southern CA. Know it is crazy expensive coverage and will likely never pay a claim, but provides the client's legal dept. with a sense of security, especially for those of us working in public art policy interpretation and innovation, and with clients newer to public art.

Good luck!

Helen Lessick

HelenLessick.net

Los Angeles

Contract a producing agent, such as a

On Wed, 30 Jan 2019 at 08:36, 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!

--

Best,

Lauren Kennedy

Executive Director :: UrbanArt Commission

422 N. Cleveland St.

Memphis, TN 38104

lauren@uacmem.org :: 901.552.3934

www.uacmem.org

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