Call for Artists, Making Money at Juried Art Fairs, Craft Shows and Festivals
Everyone has seen an event prospectus or applications which has statements that say that exhibitors are required to carry general or specific types of liability insurance in the amount of a bazillion dollars. These requirements also usually indicate that a certificate of insurance needs to accompany the application and should name the event or event entity as co-insured on the certificate.
Lastly, the certificate sometimes must accompany the application, or you don't get in, regardless of being the next Modigliani..
So far, I have managed to avoid doing events like this one, or they have been too lazy to check my paperwork when I have applied, for the required pieces of paper.
But finally, it would appear that I will actually have to secure this insurance for an upcoming event. I thought I'd reach out to the community and get folks to recommend agencies which specialize in this type of insurance. Also, I'd like to hear if anyone has actually had to make a claim on this sort of policy coverage and what their experiences were when this happened?
Last but not least, opinions on seasonal versus event coverage and costs for both.
I remember reading a Sunshine Artist article a while back which covered this aspect of the business, but when I looked in the most recent issue, I could find a single insurer listed. (That's an advertising revenue opportunity for somebody if they're paying attention....)
And one last question... if the event is six months out and you are required to include the certificate in the application materials prior to jurying, how does that work? You're usually carrying the insurance for a limited number of, or just a single event and the event is months away. You are not going to want to pay out in advance for an event you may or may not be accepted into. Is there some sort of contingency basis upon which these policies are written?
Thanks in Advance