Art Fair Insiders

Call for Artists, Making Money at Juried Art Fairs, Craft Shows and Festivals

Event Insurance Firms - Opinions and Recommendations?

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

 

Views: 936

Comment by Ross Graham on March 11, 2016 at 4:35pm

Mark,

I hope you would consider ACT Insurance.  I'm certain that other artists here on AFI could also tell you about their positive experiences with our program.

Here are links to our site (we are 100% electronic, paper-free)

https://www.actinsurance.com/ 

If you have further questions you can call and speak with any of our agents at 888-568-0548.

Comment by courtney gillen on March 13, 2016 at 12:36pm

Yes, I have used ACT insurance. They are great, you can get a policy online, either for single events or year long covering all your events. A single event policy is around $40.00. Thank you ACT.

Comment by jeanne cherry on March 14, 2016 at 10:00am

i also used ACT and they were perfect for a single event. as for needing it when you apply, I have always stated "will supply upon acceptance" and never had a problem.

Comment by Kathleen J. Clausen on March 14, 2016 at 10:23am

I use ACT.  I have an annual policy which, thank God, I haven't had to use.  You can print out a statement of insurance for any specific event you want.  I've had questions from time to time. They respond quickly.

Comment by Greg Little on March 14, 2016 at 10:49am

I have the ACT annual insurance policy.  The annual policy is more reasonably priced if you do more than 6 or so shows each year

Comment by Wallace Fuller on March 14, 2016 at 3:39pm

We use ACT. If you do more than a couple of shows it is worth the cost of the annual policy.

It covers you for more than just a show insurance, includes travel and your studio. I suggest you read there policy and if you want more information, call and talk to them.

Comment by Ron Andrews on March 15, 2016 at 11:15am

We used a private insurance company and it costs like $600.00 a year.  I let it lapse a few years ago when I stopped doing shows for awhile.  Am now doing shows again and will be looking for something a little more reasonable.  I did submit a claim when I had the insurance.  My daughter was living in Chicago and doing some shows for me in that area.  I had sent her a package with approximately $1500 worth of jewelry.  The package was stolen from her mailbox in the apartment complex.  The insurance company covered my time and materials so I did not lose everything.

Comment by Jan Hubbard on March 15, 2016 at 10:21pm
Thanks for this, I would like to say this has been very helpful to me because I am going to need this for a show. This is a great resource for artists.
Comment by Anne-Marie Hyatt on March 18, 2016 at 8:35am

I shopped around and got prices all over.  I found that ACT had the cheapest coverage and for an annual policy, it covers all your shows!  We have been with them 2 years now. 

Comment by Jan Hubbard on March 18, 2016 at 9:10am
I have just gotten done shopping around and I found that Act also was the best price or should I say the most bang for your buck I am going to go with them this year

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