Insurance for Artists
Unfortunately it’s true that even the most creative and care-free among us must be insured against the potential difficulties of life. As an independent artist and craftsperson, you are no less in need of insurance than a businessman or an automotive worker, but insurance may be a little trickier for you to obtain. Basically, you have to figure out how to get health insurance, property insurance, and liability insurance.
Health insurance is pretty obvious, but this is probably the type of insurance with the most fluctuation. You can get plans that cover just you or your whole family. Some plans will take care of everything from a visit to the doctor when you have a sinus infection to major medical expenses, but other plans will only take care of the latter.
Here are a few things to consider when it comes to health coverage. First off, think about what you actually need. Although independent insurance plans are cheaper than they used to be, they’ll still eat up your income. If you’re young and healthy, go with a major medical plan that will protect you from large, unexpected expenses, but if you are in poor health or have children, shell out for a better health insurance plan, which may save you money in the long run.
You’ll need liability insurance if you meet clients in a studio or in a booth at an event. You may thing that no one would ever sue you, but it happens all the time. If someone trips in your studio or get cut on a rusty nail at your booth, you need to be sure that you have enough liability insurance to cover a potential lawsuit.
Lastly, you’ll need property insurance. Since you’re dealing with valuable handmade items as well as lots of raw materials, you’ll need a good bit of property insurance. Check around with different providers, who may be able to cut you deals if you buy liability or health insurance through them, too.
When you’re buying property insurance, be sure that you know exactly what it will cover. Get more than enough to replace all of your artwork, supplies, equipment, and structures should your studio burn down one night. Also, be sure that your work is covered in transit and when it is not on your property so that you know it’s covered during shows.
Within these categories, there are a lot of choices to make, but at least now you have an idea of what kinds of insurance you need as an artist.
Related posts:
- Health Insurance Policy for the Employees
- How to Find a Low Cost Family Health Insurance
- Health Insurance Scams: How Can You Protect Yourself? Part 2
- Affordable Family Health Insurance Quote
- Health Insurance Scams: How Can You Protect Yourself? Part 1
This entry was posted on Monday, November 23rd, 2009 at 8:52 pm and is filed under Health Insurance. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.
February 19th, 2010 at 8:52 am
I have been looking high and low for this information.
March 9th, 2010 at 8:07 pm
Extremely helpful.
March 9th, 2010 at 8:08 pm
I have searched all over for this information.
March 9th, 2010 at 8:11 pm
This was very informative.
March 9th, 2010 at 8:16 pm
I have looked everywhere for this information.
March 9th, 2010 at 8:19 pm
My findings differ slightly, but overall I have to agree.
March 9th, 2010 at 8:22 pm
I have searched all over for this information.
March 9th, 2010 at 8:25 pm
Could you put that in more simple terms?
March 9th, 2010 at 8:29 pm
Quite helpful.
March 9th, 2010 at 8:33 pm
That clears up a lot of my questions. Thank you.
March 9th, 2010 at 8:38 pm
Could you put that in more simple terms?
March 9th, 2010 at 8:40 pm
Super helpful.
March 9th, 2010 at 8:42 pm
You’ve been super helpful.
March 9th, 2010 at 8:50 pm
I have been looking so many places for this information.
March 9th, 2010 at 8:50 pm
You have been really helpful.
March 9th, 2010 at 8:51 pm
I’ve searched all over for this information.
March 9th, 2010 at 8:53 pm
What you have said here makes sense.
March 9th, 2010 at 8:57 pm
March 9th, 2010 at 8:57 pm
Where did your information come from?
March 9th, 2010 at 9:04 pm
Any advice as to where I might get more information?
March 9th, 2010 at 9:07 pm
I have been looking all over for this information.
March 9th, 2010 at 9:10 pm
Where did your information come from?
March 9th, 2010 at 9:15 pm
I have been looking high and low for this information.
March 9th, 2010 at 9:15 pm
Sounds like solid information.
March 9th, 2010 at 9:16 pm
Very enlightening.
March 9th, 2010 at 9:19 pm
I’ve searched high and low for this information.
March 9th, 2010 at 9:24 pm
You’ve been very helpful.
March 9th, 2010 at 9:30 pm
You’ve been very helpful.
March 9th, 2010 at 9:38 pm
That clears up a lot of my questions. Thank you.
March 9th, 2010 at 9:42 pm
That’s one way of looking at it.
March 9th, 2010 at 9:50 pm
I have looked everywhere for this information.
March 9th, 2010 at 9:51 pm
Cool. Thanks.
March 9th, 2010 at 9:56 pm
Extremely helpful.
March 9th, 2010 at 9:59 pm
You have been very helpful.
March 9th, 2010 at 10:06 pm
You have been quite helpful.
March 9th, 2010 at 10:13 pm
This is very informative.
March 9th, 2010 at 10:14 pm
I have been looking all over for this information.
March 9th, 2010 at 10:15 pm
I have looked the world over for this information.
March 9th, 2010 at 10:22 pm
I’ll think more on it. Thanks for the info.
March 9th, 2010 at 10:27 pm
You have been really helpful.
March 9th, 2010 at 10:29 pm
Super helpful.
March 9th, 2010 at 10:31 pm
Bravo! Thank you.
March 9th, 2010 at 10:31 pm
That’s not what wikipedia said….
March 9th, 2010 at 10:35 pm
Something about what you said doesn’t quite fit.
March 9th, 2010 at 10:38 pm
Sounds like solid information.
March 9th, 2010 at 10:46 pm
Super helpful.
March 9th, 2010 at 10:55 pm
Something doesn’t fit.
March 9th, 2010 at 10:59 pm
I’ve searched so many places for this information.
March 9th, 2010 at 11:03 pm
I’ve searched all over for this information.
March 9th, 2010 at 11:08 pm
You have been really helpful.
March 9th, 2010 at 11:12 pm
March 9th, 2010 at 11:13 pm
Very interesting.
March 9th, 2010 at 11:16 pm
Further study is needed.
March 9th, 2010 at 11:17 pm
I’ve been looking all over for this information.
March 9th, 2010 at 11:20 pm
I have been looking the world over for this information.
March 9th, 2010 at 11:20 pm
I have looked high and low for this information.
March 9th, 2010 at 11:27 pm
I can make room for different opinions.
March 9th, 2010 at 11:30 pm
Are you sure?
March 9th, 2010 at 11:33 pm
I have been looking everywhere for this information.
March 9th, 2010 at 11:34 pm
That was very informative.
March 9th, 2010 at 11:35 pm
This was very informative.
March 9th, 2010 at 11:37 pm
Further study is needed.
March 9th, 2010 at 11:40 pm
I think there is more to the story.
March 9th, 2010 at 11:41 pm
You’ve been really helpful.
March 9th, 2010 at 11:45 pm
Very well put!
March 9th, 2010 at 11:51 pm
Very helpful.
March 9th, 2010 at 11:56 pm
Truer words were never spoken.
March 9th, 2010 at 11:59 pm
I’ll think more on it. Thanks for the info.
March 10th, 2010 at 12:03 am
I’ve searched all over for this information.
March 10th, 2010 at 12:04 am
Very helpful.
March 10th, 2010 at 12:10 am
I have been looking all over for this information.
March 10th, 2010 at 12:11 am
Could you put that in more simple terms?
March 10th, 2010 at 12:11 am
March 10th, 2010 at 12:15 am
Point taken.
March 10th, 2010 at 12:18 am
I have searched everywhere for this information.
March 10th, 2010 at 12:22 am
If you say so :-p
March 10th, 2010 at 12:22 am
That clears things up some.
March 10th, 2010 at 12:27 am
That is very informative.
March 10th, 2010 at 12:28 am
You have been very helpful.
March 10th, 2010 at 12:29 am
How did you come by this information?
March 10th, 2010 at 12:29 am
March 10th, 2010 at 12:31 am
Very interesting.
March 10th, 2010 at 12:32 am
Something about what you said doesn’t quite fit.
March 10th, 2010 at 12:33 am
I’ve searched everywhere for this information.
March 10th, 2010 at 12:37 am
Sounds like solid information.
March 10th, 2010 at 12:39 am
I would be interested to hear more.
March 10th, 2010 at 12:41 am
Super helpful.
March 10th, 2010 at 12:44 am
I think there is more to the story.
March 10th, 2010 at 12:45 am
I can dig it.
March 10th, 2010 at 12:47 am
Cool. Thanks.
March 10th, 2010 at 12:49 am
I have been looking everywhere for this information.
March 10th, 2010 at 12:49 am
Wow, this is over my head.
March 10th, 2010 at 12:52 am
I’ve been looking the world over for this information.
March 10th, 2010 at 12:56 am
Thank you for making it so I could understand.
March 10th, 2010 at 12:58 am
I’ve searched the world over for this information.
March 10th, 2010 at 1:01 am
Are you sure?
March 10th, 2010 at 1:01 am
I can make room for different opinions.
March 10th, 2010 at 1:01 am
Super helpful.
March 10th, 2010 at 1:03 am
That clears things up some.
March 10th, 2010 at 1:03 am
My findings differ slightly, but overall I have to agree.
March 10th, 2010 at 1:04 am
I have been looking the world over for this information.
March 10th, 2010 at 1:04 am
I think there is more to the story.
March 10th, 2010 at 1:05 am
Where did you get your information?
March 10th, 2010 at 1:06 am
Fantastic!
March 10th, 2010 at 1:12 am
I appreciate the information.
March 10th, 2010 at 1:15 am
You’ve been really helpful.
March 10th, 2010 at 1:15 am
Are you sure?
March 10th, 2010 at 1:18 am
Sounds like solid information.
March 10th, 2010 at 1:19 am
You’ve been very helpful.
March 10th, 2010 at 1:21 am
That is very informative.
March 10th, 2010 at 1:21 am
Amazing!
March 10th, 2010 at 1:23 am
Any advice as to where I might get more information?
March 10th, 2010 at 1:42 am
How did you come by this information?
March 10th, 2010 at 1:45 am
Extremely helpful.
March 10th, 2010 at 1:50 am
Amazing!
March 10th, 2010 at 1:50 am
I’ve been looking all over for this information.
March 10th, 2010 at 1:52 am
Any advice as to where I might get more information?
March 10th, 2010 at 1:53 am
That clears things up some.
March 10th, 2010 at 1:55 am
Fantastic!
March 10th, 2010 at 1:55 am
That is very informative.
March 10th, 2010 at 2:01 am
Seems simple enough.
March 10th, 2010 at 2:02 am
Where could a guy like me go for more information?
March 10th, 2010 at 2:04 am
You have been quite helpful.
March 10th, 2010 at 2:11 am
Further study is needed.
March 10th, 2010 at 2:17 am
Bravo! Thank you.
March 10th, 2010 at 2:23 am
Where could a guy like me go for more information?
March 10th, 2010 at 2:26 am
Are you sure?
March 10th, 2010 at 2:39 am
That’s not what wikipedia said….
March 10th, 2010 at 2:50 am
Very enlightening.
March 10th, 2010 at 2:51 am
My mind is made up.
March 10th, 2010 at 2:51 am
I have looked high and low for this information.
March 10th, 2010 at 2:57 am
I have been looking all over for this information.
March 10th, 2010 at 2:57 am
This is very informative.
March 10th, 2010 at 3:12 am
Very well put!
March 10th, 2010 at 3:54 am
I have looked everywhere for this information.
March 10th, 2010 at 3:57 am
I have been looking high and low for this information.
March 10th, 2010 at 4:06 am
I would be interested to hear more.
March 10th, 2010 at 4:17 am
I have searched high and low for this information.
March 10th, 2010 at 4:19 am
Point taken.
March 10th, 2010 at 4:21 am
You have been super helpful.
March 10th, 2010 at 4:22 am
Very true.
March 10th, 2010 at 4:29 am
Very well put!
March 10th, 2010 at 4:41 am
What are your credentials?
March 10th, 2010 at 4:49 am
I guess I’m slower on some things than others.
March 10th, 2010 at 5:00 am
Very informative.
March 10th, 2010 at 5:12 am
Very helpful.
March 10th, 2010 at 5:15 am
Thank you for making it so I could understand.
March 10th, 2010 at 5:15 am
You’ve been really helpful.
March 10th, 2010 at 5:44 am
I’ve searched all over for this information.
March 10th, 2010 at 5:51 am
Seems simple enough.
March 10th, 2010 at 6:01 am
I appreciate the information.
March 10th, 2010 at 6:12 am
I’ve been looking high and low for this information.
March 10th, 2010 at 6:13 am
I’ve searched everywhere for this information.
March 10th, 2010 at 6:21 am
Extremely helpful.
March 10th, 2010 at 6:24 am
I have searched so many places for this information.
March 10th, 2010 at 6:28 am
That was very informative.
March 10th, 2010 at 6:38 am
Quite helpful.
March 10th, 2010 at 6:42 am
Something about what you said doesn’t quite fit.
March 10th, 2010 at 6:57 am
Thank you for making it so I could understand.
March 10th, 2010 at 7:15 am
Very helpful.
March 10th, 2010 at 7:36 am
March 10th, 2010 at 7:53 am
I have looked high and low for this information.
March 10th, 2010 at 7:56 am
You’ve been extremely helpful.
March 10th, 2010 at 8:02 am
/agree
March 10th, 2010 at 8:03 am
Further study is needed.
March 10th, 2010 at 8:29 am
I have been looking the world over for this information.
March 10th, 2010 at 8:50 am
Are there any differing opinions?
March 10th, 2010 at 1:14 pm
I have been looking the world over for this information.