Hi There,
Helen is right. Artists can get professional liability insurance. Because of the scale/risk factor of some of our work, our agent, who is amazing, has recently been unable to get us an affordable General Liability policy without first having a Professional Liability policy. So we have both, and they are expensive (each policy costs about $3,500 a year), but apparently it’s our most affordable option. Our General Liability is with Liberty Mutual and Professional Liability is CNA. We are rarely asked for Professional Liability to fulfill contract requirements, and usually still make the case that our professional subconsultants carry that insurance as others have mentioned.
Getting an insurance policy to cover artwork in transit is difficult unless you are the party who are transporting the work. It’s best to have the trucking company provide the coverage. You can also usually get an affordable and temporary floater added to a general liability policy to cover products not in your possession (such as art in transit or at a site during installation). We can get up to ~$100k added to our policy, so sometimes that doesn’t cover everything but it helps. If your art gets damaged beyond $100k in transit that would be terrible!
This doesn’t answer Lauren’s question but might help Eileen…
Laura
-------------------------------------------------
Laura Haddad, Artist
Haddad|Drugan LLC
315 28th Avenue S.
Seattle WA 98144
206-621-7333
http://www.haddad-drugan.com
From: <public_art_network@americansforthearts.simplelists.com> on behalf of "Eileen Gay (via public_art_network list)" <public_art_network@americansforthearts.simplelists.com>
Reply-To: <public_art_network@americansforthearts.simplelists.com>
Date: Wednesday, January 30, 2019 at 11:28 AM
To: <public_art_network@americansforthearts.simplelists.com>
Subject: Re: artist insurance through org
Interesting. Sounds like I need to push my agent a bit more. In the past, we had purchased a separate policy through a different carrier than my GL. Hmmm. Thank you, Charles.
typically in GL policies that I have had from State Farm, The Hartford and Selective transportation by the artist is covered....
Charles Bergen AIA LEED AP
Hi guys -
Since insurance is the topic, it is becoming more difficult to get transport insurance of some kind for my transporting of my work to the site myself. Some budget ranges don’t really allow for paying an transport vendor with the insurance to transport the work for me which also involves a different type of packing / crating for handling. I also enjoy the journey myself as a part of the public artist experience.
Any good transport insurance options out there for transporting the art oneself?
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.
Contract a producing agent, such as a
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!
--
Executive Director :: UrbanArt Commission
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