If you are an artist working in the public realm, undertaking a residency, exhibiting, or running a workshop or event it is worth considering Public Liability Insurance cover because despite all best precautions, accidents can and do happen.
Insurance is one of those things that most artists are aware of but don’t quite understand how it works or where to get it. In a nutshell Public Liability Insurance (PLI) protects professional artists and arts workers from claims made against them for bodily damage and/or property damage resulting from your artwork or space. Australia has the highest rate of civil lawsuits outside of the USA and Canada so by taking out PLI cover you are essentially protecting yourself against any risks that you may be liable for.
If you do decide to take out cover it is always advisable to explore your options and read the fine print to see what is covered and what exclusions may apply. Not all covers are alike and it is important to ensure that you have the best cover for your practice. It is also important to note that policy premiums vary depending on the amount of coverage you require and the options you choose. Some may even have attractive membership benefits such as discounts or access to member only resources.
Some other things to consider;
To help kick start your research here are a few insurance companies worth exploring;
National Association for the Visual Arts (NAVA)
Duck for Cover
Flying Arts Alliance Inc
Local Community Insurance Services
Ansvar Insurance Limited