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40 Questions Craft Artist Blog Series – Question #25 – Why do I needbusiness insurance if I already have homeowners insurance?

Iwas one of these people who felt secure having a home based business andbelieving that it was covered under my homeowners insurance. It wasuntil I heard horror stories about studios getting flooded (during and after Hurricane Katrina), seeing firsthand neighboring craft canopies going airborne and crashing down ondisplays, and the dreadful theft issue that made me really look at whatdoes my homeowners insurance cover when it comes to my home basedbusiness. Here's what I learned that EVERYONE needs to know when itcomes to insuring your business.

Question #25 – Why do I needinsurance if I already have homeowners insurance?

First,homeowners insurance does cover some home based businesses, but I stressit is just SOME. It doesn't cover what you do away from the business –while on your way to shows, at shows, and equipment/display furnituretoo. It is one thing to have a garage sale in front of your home andsomeone accidentally injures themselves testing out a saw – here you arecovered. However, if you have a fire in your house insurance will onlycover basic stuff – furniture, computer, etc NOT your work, your rawmaterials, your display furniture and so on. Let's say you are at ashow and while you weren't looking you noticed several sets of jewelrysprouted feet and walked away. Not I am not a jewelry artist but I doknow finished jewelry precious metal pieces don't typically cost $20 orso. Your homeowners insurance won't cover it. Why you ask? It isbecause the theft didn't occur in your home.

Better to be safethan sorry. More and more shows are requesting proof of businessinsurance mostly because promoters know we are living in a lawsuit happyworld. If a customer trips in your booth and sprains their ankle, restassured they will go after the promoter and the artist to get what theycan for pain and suffering – not that we would like to think peoplewould do that. It happens and this why you can't risk loosing a ton ofmoney – when many of us artists are really on a shoe string budget,living from show paycheck to show paycheck. Customers see you as abusiness and businesses are expected to have insurance – those thatdon't, oh well, tough luck!

When it comes to finding insurance dolook into what your homeowners insurance does cover first. I learnedthat if you let your insurance company know you do run a home basedbusiness from your home you might be covered for more than just the lossof some equipment. The next thing is to look into what art/craftbusiness insurance companies are out there and compare prices and whattheir insurance covers. One popular one is RLI Insurance who advertisesin many art/craft publications. Look in show listing directories orthrough CERF's website for leads to others. Insurance, for one year,can be as low as $250 a year. There are companies that offer coveragefor one day (while at a show) which is far better than nothing at all,yet can add up to far more than $250 a year.

The point thatchanged my mind from relying on homeowners insurance and get businessinsurance is when I started selling my work in stores and adding candlesto my product lines. When there is more risk for injury (on my part orthose who receive my work after it leaves my hands) I couldn't avoidit. Granted 2D art might not hurt anyone, but it can get damaged, andthe risk goes higher for those who work with glass or pottery. All ittakes is a gusty day to knock down a display full of your precious work.Have you ever asked those who have had this happen to them, if theyhad insurance? More times than not, when I ask, they say no, butquickly realize today is the day “this” won't happen to them again. Forme, and I am sure I am sure I am not the only one, “you” will think itwill never happen to you, but all it takes is that one time to realizehow foolish it was to think that. Don't wait, but look into gettinginsurance now – you can't afford not to (especially if you find you areon a tight budget). All it takes is a wind storm to twist your canopy,theft, or someone injuring themselves to find $100 - $500 a drop in thebucket compared to the other costs that can be incurred.

Now Iam sure you have some stories about how you saw damage at a show orpersonal experiences that convinced you to get insurance. Please sharethem! The more people learn from others mistakes, the reduction insimilar mistakes will occur. Thanks for reading this long winded post,but I strongly feel it is something that needs to be talked about on amore regular basis. Have a great week everyone! Michelle Sholund,www.quickcraftartisttips.blogspot.com
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October 1, 2 and 3
St. Louis, Missouri
Soldiers Memorial
50 artists
Deadline: July 12th 2010


New This Year!
The Art & Wine Walk at the Taste of St. Louis will be held in downtown St. Louis, MO, on October 1st, 2nd and 3rd. Our reformatted artist area will feature only juried artists and an upscale atmosphere. Wine sampling stations will be dispersed among the artists' tents to further encourage foot traffic through the artist area.

We're honored to have Boo McLoughlin (Craft Alliance), Robin Hirsch (Art Saint Louis), Jill McGuire (Regional Arts Commission) and Michelle Ochonicky (The Best of Missouri Hands) as our jurors for the Art & Wine Walk!

Art & Wine Walk juried artists receive the following:

· 10'x10' booth space (tent self provided) in the Art & Wine Walk for promotions, sales and lead generation
· One 110 electrical outlet
· Signage/branding rights at booth location (self-provided)
· Logo and website hotlink on TasteSTL.com
· Complimentary "booth sitters"
· Eligibility for cash prizes and awards

What else does the Taste of St. Louis offer?

The award-winning Taste of St. Louis is indeed a celebration of the best food, art, music and culture our great city has to offer. There is something for everyone at the event, as our array of activities and participants continues to grow each year. Our turnout of more than 300,000 patrons last year proves it!!

The event takes place at Soldiers' Memorial (12th & Market), with a beautiful park atmosphere and a great view of the Arch.

Our array of activities continues to grow and improve with Sauce Magazine's Restaurant Row, the Master Chef Competition on the Saint Louis Bread Co. Culinary Stage, national and local music on the U.S. Bank Main Stage, The Art & Wine Walk, The Marketplace, and a whole array of activities in the Kids Kitchen.

http://www.tastestl.com/The-Art-Wine-Walk
or e-mail rebecca@tastestl.com
or call 314.534.2100 EXT. 24
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With all the weather predictions indicating a disastrous outcome to the Rockport Art Festival, the hurricane played out just in time for a breezy but delightful event. Being my 1st time to show here, I was told that the crowds were down but most vendors had adequate though not spectacular sales. I saw a lot of driftwood bird sculptures leaving with customers and my neighbor sold a large painting along with several small ones. Mainly, all were just happy that they made expences and weren't washed out by storms.
The event is very well organized, water delivery is constant, and good food is served to vendors for a Friday night dinner buffet and Sunday morning taco breakfast. They even had air conditioned portable toilets! No complaints with their organization for the entire show. I paid extra for an electric outlet as I was told a fan was almost a have-to and I added some lights to my booth, but the outlet didn't work at first, and they immediately got in an electrician in and fixed it.
The only strange part of this show is the tent set up. Four long, narrow tents are arranged in a square. Vendors have one 8x10 half, the other half is used for a covered customer walkway, so your display must be freestanding. On the open side across from your booth, you are allowed to set up your tent facing the walkway. So if you take advantage of the extra space, you have to bring extra display equipment. You'd also want to bring plenty of tie-downs as you are right on the water's edge and the wind can get pretty stiff even without a hurricane.
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BERKSHIRES-LAST DAY--& BREW REPORT

The mountains are great and HOT HOT HOT 90s// there were crowds and buying was happening although selective // I saw alot of satisfied artists, and then some that were down in sales from the past; The heat as always ends the shows, no matter where, earlier; as was the case here; Once again The Rothbards have had another successful Art Festival, and my experience was enjoyable,successful, easy load in-out, a great location and all in all a return is in the cards for next year..

BARRINGTON BREW REPORT//// Great homebrew at the Barrington Brewery; Brewed in the barn in the back I asked not but enjoyed alot/// BUT THE BEST was a local 1/2 gallon growler of OPA OPA BEER BREWED about 15 mies to the north// $6.98 a growler and then $2 back for the bottle deposit $4.98 I,ll go back //the beer was fabulous// Fair Winds, and Safe Travels with great fortunes

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Kentucky Shows 2010 part 3

I am finally home after my 'tour' of shows in Kentucky. And what a tour it was! I thought Florida was hot but boy, it was sweltering. I never show in the heat and try to avoid it, usually Kentucky is tolerable but not so this time. My last show was Francisco's Farm in Midway College. I heard it was a great show and now I know why. Set-up on Friday was unbearable with the weather blistering. I took my time and usually a 3 hour set-up took me almost 6 hours, resting and drinking plenty of water. I loved the fact that this was the most orginized show I have ever done. They greet you with a 'team' of volunteers that help you load your stuff in carts and while you go park your car, your stuff is already at your spot..that was great but one thing is they unloaded it in the middle of my space so I had to move everything to get it out of the way in order to build my tent. The property was beautiful, my kind of show, sitting amongst horses under trees! Nice. After set-up they had a nice artist dinner in the college cafeteria by the local cafe' chef which consisted of chicken, and all the sides but nothing for a vegetarian that also has lactose issues. Eating is so difficult to do when I travel. So back to my hotel I went to pass out and head back in the morning. The next day it was even hotter! The news and newspapers where telling everybody to stay inside so you can guess that it was slow. But still, the art was all top draw, always had a volunteer to help me out. The next day was not so hot but it still was blasting. I had a little run of sales and even meet the original promoter of the show which turned out great for me, I got into the gallery he owns here in Lexington so everything happens for a reason.All in all, it was an A plus show in a D minus economy. I will definitly be back next year. This is my new favorite show (sorry Ocala, but I still love you too!). Everyone hang in there. This economy will pick up soon. Don't give up and keep treading the hampster wheel!
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VODKA REPORT- BOSTON MILLS ARTFEST JULY 2010

The only thing that beats sleeping in your own bed and doing an art show, winning an award and sleeping in your bed, and doing an art show- is having dinner with Nels Johnson, while you are doing all of those things! We did the show, won an award (so did Nels!), and had a fantastic dinner with Nels at the Blue Canyon restaurant in Twinsburg, Ohio. Nels was waiting at the bar for us to arrive-dirty martini in hand, we started drinking at the table..Bob and I love a drink we call the "Patti-thing"...Belvedere vodka chilled up with a float of cointreau- orange slice for effect, Nels ordered a very good bottle of wine for himself..a great dinner, good company, and two more days of the art show in store for us.

We did not fare that well at the art show..we were outside in extreme heat for two of the three days.The tents are where you want to be- rain or shine, you will see more people, and feel less stress.We hope next year we can be in a tent. I don't know how the customers perceive the artists outside, compared to the ones inside the tents.I think we are treated like step-children, as they hurridly walk from tent to tent...see you next year...in a tent!

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Berkshires Art Festival --LIVE

The mountains & weather are beautiful. The crowds are here and buying from alot of artists, and as usual not from others. This show is probably maxed at 10,000-12,000 attendees in this upscale vacation destination. 3 days, and looking for a large crowd again// just come and buy. If anyone knows how to put on a show it is Richard Rothbard, his energy,advertising, and knowledge of artist,gallery owner, and show promoter shine brightly. He proved in his Sarasota Show that a large crowd doesn't mean great sales// Just come and BUY which they did in Dec. His show in N.Y. in Nov. sure makes alot more sense to do than $2500 one of a kind show hidden in the merch. market//more on that later. Losing my laptop power,,see ya later// Hope to do a BREW Report as we have become friends with the brew pub in the mountains. Fair Winds from the Slades
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It was held on June 27 in downtown Menominee, Mich......which is a small city at the most southern part of the upper Peninsula......across the river from Marinette, WI.....50 booths....drove up the grass of the park to load and unload. The park is right on the water and there is a marina too...nice crowd all day....weather was hot and humid.

Now the important stuff......nice eats for the artists.....inside bathrooms in the Yacht Club.....yes I felt like a member.....where is my captain's hat and telescope?

In the morn, lots of people, who bought little....and us artists all started to worry.....is it me?.....is it my art?..is my display not displayed properly?...is my name badge on crooked..did I miss a spot when I shaved this morning?......do I look too artsy for older lady buyers....should I talk more?....should I talk less? ......etc, etc.

Suddenly my daughter, Karen, arrrived at 1:30.....and people immediately started buying.....she was a good luck charm....for sure.....and cute too....she is my little girl....only 29.

So i finished with over 10 times entry fee......which was $65, I think. And someone wants 50 copies at wholesale prices.

Saw some old friends.....used to work nearby.....Show rates 3 DAVEY's......I paint pictures and sell mostly prints of same.

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Stookey Companies Shows, West Des Moines

I don't have information from their last year's show at this location, but I have done their 'Other Art Fair' 3 times and I have to give them a 'thumbs up' for doing what they say they will do. Good organization and promotion.
I am participating in this years show for the first time (WDM) and am coming to Iowa in Oct instead of June. I anticipate a well done event.
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Call for Artists: ArtWalk on the Bay

September 18 & 19
Bayfront Park
San Diego, California
150 artists
Deadline: July 16

We invite fine artists to apply for ArtWalk on the Bay 2010. This two-day fine art festival is now in its 5th year. With its gorgeous waterfront location at the Hilton San Diego Bayfront Park, the free public festival draws 40,000 attendees from throughout Southern California.

The festival is produced by the same team that brings Mission Federal ArtWalk (120,000 attendees) to San Diego's historic Little Italy neighborhood each April. The producers have been praised by artists and attendees alike for their organizational expertise as well as the high level of marketing for the event. Because the event takes place in avenue that attracts a huge number of affluent tourists and convention attendees, artists benefit from this unique mix of visitors and local residents.


ArtWalk on the Bay
Art Fair Calendar.com
What began as a local art event in 1994 has become two annual festivals that with outstanding reputations throughout the region, attracting artists from across the country and from beyond our southern and northern borders. Each year, ArtWalk on the Bay brings in seasoned collectors as well as first-time art buyers.
  • The venue is a grassy 4.3 acre park adjacent to the luxurious (and brand new) Hilton San Diego Bayfront Hotel. The flat and accessible park offers ease of load-in and out. ArtWalk on the Bay provides high quality 10' by 10' tents that are also 10' high.
  • Access to more than 40,000 annual attendees
  • A page on the ArtWalk on the Bay web site that will remain up until summer, 2011. Check out www.artwalkonthebay.org/
  • Tenting opportunity provided by show management
  • An opportunity to be included in the festival's very dynamic publicity outrreach (print, broadcast, online)
  • Listing in Event Brochure/Map
  • Booth sitters offered to participants

Artists who participate in ArtWalk on the Bay find that they sell artwork long after the event as a result of the comprehensive web page dedicated to each artist that can be updated by you as
frequently as you wish...you can upload new artwork images, change your artist statement, etc. This living gallery is a unique feature to this event, and one that many artists have stated "is worth the price of the registration fee."

ArtWalk on the bay does not charge an up-front jury fee. We typically receive approximately 500 applications, and we accept approximately 150 artists.


The festival is a celebration of arts and culture throughout the region. KidsWalk features interactive art activities for kids, and showcases the art education program founded by our organization: ArtReach, which takes professional artists into elementary schools to address the lack of programming for our region's budding young artists.


To learn more:www.artreachsandiego.org


Musical performances also take place throughout the weekend, featuring everything from gospel to classical music. The festival is embraced by San Diego's Mayor, the Port of San Diego and numerous corporate sponsors, as a world class celebration of culture in the region.


Visit the website to learn more: www.artwalksandiego.org


To apply, go to: http://www.artwalkonthebay.org/register.htm

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Input on Bele Cher Asheville

Does anyone have experience with the Bele Cher show in Asheville, NC? Is it as crazy as it looks in the web site? Were sales satisfactory? Were there any glitches? Were the organizers helpful?
Rick Shamel
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Grand Haven Michigan Art Fair

The show is held on Washington Street, downtown Grand Haven. This is an awesome port town on Lake Michigan about 30 miles west of Grand Rapids.

The show is put on by Howard Alan. Show fee $350, $25 app. fee. Set up is at 5am Sat morning. The town revamped there streetscape which made some manuvering a little tricky, glad I started setting up at 4am(don't ask). There were banners above Washington street at both ends, yard signs pointing the way to the show and posters in many storefronts. People knew you were going to be there. Promoter provided Panera Bread bagels each morning, no other perks were provided..water, boothsitters etc. Which is fine with me, I can take care of those things myself. I would much rather see money spent on advertising.

The show was set up in two sections. Fine art down main street, around 80 artists. Crafters were on a cross street, around 20. The town had a block for sponser booths, kids activity, etc.

Saturdays weather started out with a little rain, by 10am it was blue sky and beautiful. Got up into the upper 80's. There were tons of people, but the buying energy just was not there. Plenty of interest,just could not get them to pull the trigger.

Early Sunday saw two thunderstorms come in. Lots of rain. Arrived at show to see around a dozen EZ-ups collapsed on the towns section. A couple of EZ-Ups in the art section were also damaged. I believe the rain filled the tops with so much water they couldn't take it, I don't think it was the wind. Sundays energy was about the same.

A bronze sculpture next to me sold his lowest price pieces for the weekend, he did around $1000. Was his worst show so far this year. A photographer friend of mine was happy with his sales, he has a double booth. I do not ask people what they make, if they share it with me fine. A fiber artist did $3000. A painter next to me did abstract fish. It was her second show ever and she did well. She sold her largest painting for $1100 plus a couple of smaller pieces. Was great fun watching her have success!! Me, I did $1800 and was happy to end up with that. This was my 3rd year here, previous shows were in the upper 3k. By the way, I make stone lamps and vases.

I sleep in my trailer so do not know what hotel costs are, I do know they are not cheap from the past shows. I pack my own food so no restaraunt reports. Sorry Nels, was to tired to go out for a drink to give you a report.

I will do show again, was just one of those years. Helayne with Howard Alan did a great job, was always around to put out fires.

Kevin

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June 26-27, Park Point Art Fair, Duluth, MN

This was my first time at this show. Thought it was a good idea to go north after the very hot weather south. Park Point is a long penninsula from Duluth into Lake Superior and you must go over a lift bridge to get there. The show location is a park at the end of the penninsula. This show has a Friday setup which was great. We could drive right up to our booth and even park behind it all weekend. Sat was very cool and cloudy with a breeze coming off the lake. The crowd was good early, but one customer told us they had to wait an hour while the bridge was up. People come from many parts of MN to to spend the weekend at their cabins along the lake shore. Sun. brought a few rain drops early, but for the most part it was sunny and much warmer with a breeze---a perfect day for an art show. The Park Point Community Club is the promoter and this was the 40th year for the show. Impressive! They offer coffee and donuts both mornings and a burritto dinner on Sat. after the show. The volunteers were around often if you needed a break, but there are two of us so we don't use this service. They were all very pleasant to work with. My art is a fine quality kiln-fired glass and this was definitely NOT my market. I did get many compliments, but then they would go to the booth next to me, you know the one---from Elk River, MN---with mass produced rock birds and ducks, and buy two or three pieces. Those birds were flying out of that booth! Gotta admit, those people know how to sell them, and they are sorta cute with with the mommas and babies. My question is whether they belong in an art show??? There was some great art here, but also much poor quality art and displays. My observation was...if you have rock birds, garden art on a stick or pottery, this is a show for you. If you have fine art or fine craft, find another show. Needless to say, my sales were a disappointment! :(
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Roycroft Festival, East Aurora, NY

Lots of trial and error over the years has helped me find shows that support fine craft and when I find them I hold them dear.( I work in paper, with hand bound books being the staple and collage and castings rounding out the mix.)

So, here in Upstate NY we have the Roycroft Campus which is a cherished place in these parts. Locals are aware of the Roycrofter tradition and when there is a Festival there devoted to craft it is well attended and there is an expectation about the quality of the work. For years the show was held on the Roycroft Campus which added to the allure and it really was very cool to be set up along the winding roads of the place where Hubbard actually worked. Across the street, there is an art show that is all 2D. Festival goers cross back and forth and both shows benefit. When something is that sweet you know it can't last, right?

Two years ago they started to fix the roads in town and that somehow led to the campus needing to rebuild walls and stuff and, long story short. They moved the show. 6 blocks off the main drag, in a school parking lot, tucked away out of sight. There was lots of signage in town, but this show draws regulars and they went to the campus looking for us and found antique dealers and craft demos.

Lots of folks did find us, but a lot didn't. And there were irritations. Like being on hot, unshaded asphalt instead of along leafy walkways. Like having the booths set up "cheek to jowl" making it close to impossible to roll up your sides or even zip them at the end of the day. I mean, really, 11 feet would kill your layout?

Most exhibitors said their sales were down but not as bad as they first thought when they saw the new location. The show may stay in the new place because the renovation of the campus back to its original state means no parking lots or roadways,

A regular customer asked me if I missed being on the grounds and I admitted I did. She nodded and said one of the sweetest things ever "Your work deserves better than a parking lot." Lovely lady, but you should see some of the places we've been! heh.

(I have no idea if this will show up as a review, but if it does, I may do more!)
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Fountain Square 2010 Evanston, Illinois

Hello vodka, it's me, Patti and I will be visiting you after the art show every night that I am doing this show!!The events manager is called Special Events Management, and they are far from special...We can't blame the weather, because it was near perfect- the perfect storm never really appeared..the quality of the art was far from stellar, but not bad.What bothered Bob( my husband) and I most was that one of the awards was given to an artist who was not present...and they could care less.When we heard that the award for Best in Functional Art went to a particular artist(name to be held for fear of something happening to us)Bob went to the office and asked how they felt about awarding an artist who was 600 miles away...they said, oh he was here, we handed him the award this morning at the awards breakfast- Bob stated"no, that wasn't him,that was a worker doing the show- I know the wood artist who does inlaid work"She asked "how do I know if it is the artist at check in?" duhhhhhh! Check an ID, is that rocket science? That was the way it went, and down hill from there.With our coaxing- ten times- the committee finally approached the worker -stand-in-guy, who was busted.

The crowds came to the show, most of them did not buy...what a shame...a beautiful area, beautiful homes to fill- no buying power.Scratch this one off my list!!!

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