Artist Insurance

small business owner protected by artist insurance

Protect Your Craft With Artist Insurance

Your work reflects your passion and creativity. With artist’s insurance, you can focus on your craft, knowing you have protection from unexpected risks – whether in the studio, at exhibitions or on the road.
 
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small business owner protected by artist insurance

Why Do You Need Artist Insurance? 

Your creativity is limitless, but unexpected setbacks have the potential to bring your practice to a halt. Without insurance coverage, you’d have to pay out of pocket for claims, which can be expensive for your studio. Art studio insurance can help protect you from the risks you face during normal operations.
 
We’re here to keep you covered with business insurance specifically designed for the needs of artists and creatives.
small business protected by insurance for artists

Who Needs Artist Studio Insurance?

  • Independent artists and painters
  • Art galleries
  • Sculptors and ceramic artists
  • Artisans
  • Jewelry and metalwork artists
  • Art schools, teaching studios, cooperatives
  • Pop-up art exhibitions and temporary installations
  • Craft vendors
small business owner protected by art studio insurance

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

Many artists start with a Business Owner’s Policy (BOP) for protection. It offers peace of mind by helping to protect your business from bodily injury and property damage claims.
A BOP combines three essential types of coverage artists need into a single policy:
 
  • General liability insurance to help protect your art business from claims it caused bodily injury or property damage.
  • Commercial property insurance to help protect your owned or rented canvases, easels, brushes, paints and other supplies and equipment you use to operate.
  • Business income insurance to help replace your lost income if you can’t operate your art studio because of covered property damage.
At The Hartford, we know no two artists 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 Artist Insurance Cost?

The cost of artist insurance varies, but here are the average amounts small business insurance customers of The Hartford pay for common types of coverage:1
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
It’s important to remember that not all art studios have the same needs. Insurance companies also use different factors to determine rates. This means your insurance policy is specific to your business, and you may pay a different amount than the average. The best way to find out how much you’ll pay for artist insurance is to get a quote.
business owner protected by artist liability insurance

We’ve Got You Covered 24/7

We know artists like you are busy. We’ve made it easy for you to get your proof of insurance online whenever you need it.

Covering Your Operations

We know you work hard to operate your art business perfectly, but accidents can happen. Artist insurance lets you continue creating with confidence, knowing The Hartford can help keep your business covered from the unexpected.
82% of businesses that failed cited cash flow problems as a factor in their failure.2
General Liability Insurance for artists

General Liability Insurance

“My client asked me to create a custom frame and mat for a vintage photo. While setting up the frame, I accidentally tore the photo.”
 
General liability insurance can help cover claims that your business caused property damage.
Employment Practices Liability Insurance for artists

Employment Practices Liability Insurance

“I had to end a contract with my paint supplier because of late deliveries. I was pretty surprised when I got served. The vendor claimed I discriminated against them.”
 
Employment practices liability insurance (EPLI) helps protect your art business from claims of wrongful termination, discrimination or harassment. With The Hartford, you also have coverage from claims filed by vendors, customers or other third parties.

Taking Care of Your Team

From working with sharp tools to lifting and moving heavy objects, your employees face risks every day in your studio. The right type of artist insurance coverage can help protect your team.
The median number of days away from work due to a job-related injury or illness was 10 days in 2022.3
commercial auto Insurance for artists

Commercial Auto Insurance

“We were on our way to an exhibit when I accidentally rear-ended another car. Our studio’s van had to be towed away, and the other driver needed to go to the hospital.”
 
Commercial auto insurance helps protect you and your employees on the road when driving a company-owned vehicle for business.
workers' compensation Insurance for artists

Workers’ Compensation Insurance

“While setting up an exhibit, one of my team members accidentally dropped a frame on their hand, breaking several bones.”
 
Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. It can help pay their medical bills, ongoing care costs and replace lost wages if they can’t work. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.

Protecting Your Property

Unexpected events like theft or vehicle accidents can disrupt your creative process and impact your bottom line. With insurance for artists, you can focus on your craft with confidence.
About 1 in 4 small businesses estimate they lose between $1,501 and $2,000 a month due to theft.4
commercial property coverage for artists

Commercial Property Insurance

“A box of punches and saws was stolen from my custom jewelry studio. Replacing them was expensive, and it delayed my customers’ orders.”
 
Commercial property insurance helps protect your owned or rented building, tools, equipment, supplies and inventory.
Business Income Insurance for artists

Business Income Insurance

“A break-in at my gallery left the space damaged and in need of repairs. I had to close my doors for a week, missing out on sales and new clients.”
 
Business income insurance can help you pay ongoing expenses like rent, payroll and utilities if you can’t operate your art studio temporarily because of property damage from fire, theft or wind.

Frequently Asked Questions About Artist Insurance

Artist insurance helps protect your creative business from different risks you face during normal operations. This can include bodily injury, property damage or business interruption. Artist liability insurance helps protect your business from claims it hurt someone else or damaged another person’s property. This coverage can also help pay your legal costs if you get sued. In addition, artist insurance can protect your tools, materials and even vehicles used for transporting artwork to exhibitions or clients.
Artist insurance is essential because it helps cover the costs for various claims. Without it, you could face substantial out-of-pocket expenses, which can be financially devastating for your art business. Additionally, certain states may require specific types of business insurance. So, it’s important to make sure your art business is compliant.
The best way to get artist insurance from The Hartford is to get a free quote online. We’ve made it simple to get a quote in just a few clicks.
small business owner protected by artist insurance coverage

Get Artist Insurance Made for You

Get the coverage you need to protect your art business.
 
Quote Today
 
 
Last Updated: May 12, 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.
2 Fundera, “Small Business Statistics”
 
3 U.S. Bureau of Labor Statistics, “Injuries, Illnesses and Fatalities: Latest Numbers”
 
4 Statista, “Estimated Monthly Theft Losses According to Small Businesses in the U.S., 2023”
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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