Art Gallery Insurance

small business owner protected by Art Gallery Insurance

Protect Your Collection With Art Gallery Insurance

Your gallery is a sanctuary for artistic expression and contains valuable pieces. From priceless collections to one-of-a-kind exhibitions, we know how important it is to protect your showcases. That’s why we created insurance for art galleries that addresses your unique needs.
 
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small business owner protected by Art Gallery Insurance
small business protected by insurance for art galleries

Why Do You Need Insurance for Art Galleries?

Operating an art gallery takes time and commitment. Whether you’re working with clients or curating the perfect painting, you face potential risks every day. Business insurance can help protect you from the unexpected, so you can focus on your gallery.
small business protected by gallery insurance

Who Needs Gallery Insurance?

  • Art gallery owners
  • Art dealers
  • Curators managing exhibitions
  • Art consultants
  • Auction houses
  • Pop-up gallery organizers
  • Businesses that store or transport artwork
  • Artists renting gallery space for exhibitions

What Type of Insurance Do I Need for an Art Gallery?

To keep your gallery protected, you’ll want to start with a Business Owner’s Policy (BOP). Most gallery owners choose this as part of their coverage because of the peace of mind it provides.
 
A BOP helps protect your art gallery from claims of bodily injury or property damage. It combines three essential types of coverage into a single policy:
 
  • General liability insurance to help protect your gallery from claims it caused bodily injury or property damage to someone else.
  • Commercial property insurance to help protect your owned or rented equipment, tools, paintings in your possession, sculptures or other items you use to operate your art gallery.
  • Business income insurance to help replace your business’ lost income if you can’t operate your gallery because of covered property damage.
At The Hartford, we know no two art galleries have the same needs or face the same risks. We’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection.
 

How Much Does Art Gallery Insurance Cost?

The Hartford’s small business customers in this industry pay an average of $1,687 a year, or about $141 a month for a BOP. For a standalone general liability insurance policy, our customers pay an average of $810 a year, or $68 a month. For workers’ compensation insurance, our customers pay an average of $1,032 a year, or about $86 a month.**
 
It’s important to remember that art gallery insurance costs vary. The best way to find out how much art gallery insurance will cost is to get a quote.
business protected by art dealer insurance

Here for You, 24/7

Get proof of insurance when you need it. We’ve made it simple for you to access your certificate online.

Covering Your Operations

Running an art gallery is a lot of responsibility. We know the risks you face, which is why we created gallery insurance to help protect you. Whether you’re handling priceless art or storing sensitive information, you can have peace of mind with the right insurance.
There are more than 450,000 new types of malware detected daily.4
cyber Liability Insurance for art galleries

Cyber Liability Insurance

“I got an invoice from a supplier in my email. I clicked on the link to log in, and the next day my computer was locked down, and my clients’ payment information was stolen.”
 
Cyber liability insurance, also known as data breach insurance, can help your gallery respond to a breach if personally identifiable information (PII) gets lost or stolen.
general liability insurance for art galleries

General Liability Insurance

“A visitor slipped on the stairs while viewing an exhibit and couldn’t get up. We had to rush them to the hospital.”
 
General liability insurance helps cover claims that your business hurt someone else. It can help cover medical expenses or lawsuits if someone sues your gallery.

Taking Care of Your Team

No matter the size of your gallery, taking care of your staff is essential to its success. Your employees face daily risks, from moving heavy artwork to potential slips or falls. Art gallery insurance protects your team and can help them recover if they get hurt on the job.
There were over 2.8 million employees injured at private businesses in 2022.5
workers' compensation Insurance for art galleries

Workers’ Compensation Insurance

“My curator was adjusting a large painting when it unexpectedly fell on them, causing a concussion.”
 
Workers’ compensation insurance gives your employees benefits if they get a work-related injury or illness. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
Employment Practices Liability Insurance for art galleries

Employment Practices Liability Insurance

“Our exhibit designer decided not to renew a contract with a vendor because of the poor quality in supplies. The vendor ended up suing her for discrimination.”
 
Employment practices liability insurance (EPLI) helps protect your art gallery and staff from employment-related claims, like wrongful termination, discrimination and harassment. The Hartford’s EPLI coverage includes protection from third-party claims filed by customers or vendors.

Protecting Your Property

You rely on different tools and equipment to create stunning exhibits. But accidents can happen. With art gallery insurance, your gallery’s property and any items in your care are protected.
The Department of Energy estimates that the total cost of power outages to U.S. businesses is about $150 billion annually.6
commercial property coverage for art galleries

Commercial Property Insurance

“Someone broke into our storage facility and took the easels and frames we needed for an upcoming exhibit. We had to replace everything.”
 
Commercial property insurance can help cover the repair or replacement costs if your gallery’s property gets damaged, lost or stolen.
commercial auto Insurance for art galleries

Commercial Auto Insurance

“One of our drivers got into a minor accident while driving the gallery van to pick up a new piece. Thankfully no one was hurt, but the van and the artwork were both damaged.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business vehicle for work.

Art Gallery Insurance Made For You

With more than 200 years of experience and a team dedicated to working with small business owners like you, we understand the unique risks and challenges you face as an art gallery owner. That’s why we designed our insurance coverage to fit your specific needs – offering peace of mind and protection for your art gallery.
 
Find out more about other art gallery professions we insure:
 

Frequently Asked Questions About Art Gallery Insurance

Art gallery insurance helps protect your business from claims of bodily injury or property damage. These kinds of claims aren’t as rare as you may think. They can come up during normal operations. This type of insurance can also help cover your legal costs if you get sued by an employee or client. Additionally, it can protect valuable artwork, equipment and vehicles used for transporting art.
Insurance coverage for art galleries is critical because it helps protect your business from costly claims. Without coverage, you may have to pay out of pocket. Not many small business owners have enough money to do this.  Some states also require business owners to carry certain types of coverage, so it’s important to stay protected and compliant.
The best way to get art gallery insurance from The Hartford is to get a free quote online. We made our process simple, so you can get a quote in a few clicks.
small business owner protected by insurance coverage for art galleries

Art Gallery Insurance You Can Depend On

Get the protection you need to keep your gallery running successfully.
 
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Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
4 AV-TEST, “Malware Statistics”
 
5 U.S. Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses”
 
6 Pinkerton, “The Impact of Power Outages on Businesses”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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