Dierdre,

 From the artists' side, insurance is confusing.  Sometimes the insurance
industry terminology doesn't help.  I have never been required to have
"professional liability" coverage, just the typical "general liability"
(or "Business Owners Policy"), "worker's comp", and "commercial auto".
There may be some circumstances where "professional liability" coverage
makes sense for artists, but I think it is mostly oriented toward other
professions(?).

Harry McDaniel