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
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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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