For those using Paypal as a method for customers to pay for your art...
Have you read the Policy UpDate published this month by PayPal? If not you might like to take time out to do so. There are two important paragraphs
The first relates to their use of the intellectual property of your business i.e. their use of your brands and logos. It applies to relates to all businesses (e.g. your art business) which use PayPal. I'm guessing that they want this right to use brandnames and logos for marketing purposes.
The new paragraph at section 1.3 reads as follows: “You grant the PayPal Group the worldwide right to use and depict your business name, trademarks and logos on our website and in our mobile and web applications for the purpose of displaying information about your business and its products and services.”
The second is a requirement that you neither disparage PayPal nor use surcharges in excess of those relating to other forms of payment.
Note in particular the last sentences of the second and last paragraphs - which I've highlighted in bold! I can only think there has been a legal case which now means they need to highlight that they're not going to be liable for anything which is a criminal offence!
The issue for you is do you know how to avoid committing a criminal offence?
2. Non discouragement
There are also several amendments to the several amendments to the PayPal Buyer Protection policy
You can download PDF version of the Policy Update.
The short answer is "Yes" - insurance is needed for an art class because the public are involved.
ARTIST RUN WORKSHOPS AND ART CLASSES
The reason is because if you are running a commercial activity involving the public you owe them a duty of care as a third party. In other words if somebody has an accident or does something really stupid/hazardous while in your class and/or using equipment or materials under your instruction and/or on your premises then the person they are going to sue for damages - under public liability - is YOU!
Public liability insurance protects an artist from legal claims if someone is injured as a result of their professional activities.
The next question is WHO needs to have the insurance.
In general, if you are teaching in an educational establishment - like an art school or a gallery providing workshops - then the venue will have (or SHOULD have!) an insurance policy which covers all its legal public liabilities including third party cover.
Consequently if you are employed by the school you probably have nothing to worry about so long as you
However if you work on a contracted basis for a fee you might want to check whether you are covered by their insurance or not
If you run your own classes then you very definitely need cover. You should also check personally on the third party public liability cover and status of any venues you use. Particularly if there are any hazards or risks associated with any materials or equipment being used.
To find out about the many and varied reasons artists need insurance take a look at
Is it fair for Facebook to allow somebody to give a 1* review rating to an arts organisation - like an art society - when that individual has based their assessment on 3rd party comments by other people made some time ago? I've seen this happen on the Facebook Page of an art society.
How to tackle a 1* Facebook Review
About Business News for Artists
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Katherine Tyrrell writes about art, artists and the art business and has followers all over the world. She also delivers workshops for art organisations and reviews websites and career strategies for artists.
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