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Art Business Info: NEWS

​about art for artists

Insurance for art and artists in the USA and Canada

8/9/2019

0 Comments

 
I've developed a dedicated page which is a Compendium of the companies providing Insurance Policies for artists and art collections in North America - the USA & Canada

You can find this at Insurance for Art and Artists in the USA & Canada. 
It provides links to information about INSURANCE POLICIES for USA & Canada for:
  • Artists, Artisans and Art Studios
  • Art Businesses
  • Art Galleries and Art Fairs
  • Art Collections

PLUS: On the page I also include and recommend you READ ​BUSINESS INSURANCE Guidebook For Artists BY CERF+ (A Studio Protector Publication). This is an EXCELLENT GUIDE to what you need to know about business insurance for artists. Just click the link and download the PDF file to keep and read at your leisure.

My reason for creating this page is that I have known individual artists in the USA who have been hit by really terrible events - such as fire and tornado and flooding.

For example, eight years ago, back in early September 2011, 
very bad wildfires in Bastrop, Texas meant Carol Marine (Carol Marine's Painting A Day) and her husband David and son had to vacate their house very fast in the early afternoon. Her house and studio were subsequently burned to the ground.  ​See 
  • Carol's blog - Before the Fire in which she tells us what she chose to grab as she left her home and studio fast.
  • Plus Karin Jurick's blog - Help for Our Good Friends which points us all to.... 
  • this post by Jennifer (David's ex-wife and Carol's co-author) which highlights Carol and David lost their home - a fundraiser - and also recounts what happened as Jennifer was there when the alarm was raised
When we stood in the front street, we could see huge clouds of billowing smoke. There wasn’t even enough time for them to take more than their computers. I backed my car through their front yard and up to Carol’s studio, but we didn’t take anything more than a few small paintings of Carol’s. They lost all her art that filled their house.
Carol  commented at the time
The good news is, we have fire insurance. I'm trying to think of more good news, but that's all I got.
I know that having proper insurance for your art business makes such a difference when trying to start again
Picture
All that remained of Carol's brand new studio after the fire at her home in Texas. Her home was also levelled. She and her family had insurance to start again...
I am not associated with any of the companies in the listing and get no benefit from it. It's very much a "public information" page (as much of this website is) and was one purely derived from:
  • knowing people who had been personally affected in a terrible way by adverse weather and other events - it's my way of paying back for the help that people got when they were affected
  • hitting Google and finding out the companies and policies being recommended by various art organisations and those who provided a decent amount of information which suggested that they were serious about insurance for art, artists and art collectors.

I'll periodically review this - normally to check that all the links are still live!

However, I'd be more than happy to hear from you about your recommendations 
if you have a recommendation based on a company you have used which:
  • you are pleased with
  • proved to be a major disappointment 
PLEASE USE THE FORM AT THE BOTTOM OF THE PAGE. This signals to me it's about insurance for the USA/Canada.
SUBSCRIBE to Art Business Info. for Artists - NEWS by Email
and receive every post via email. 
I'm not particularly interested in hearing from companies recommending themselves unless they have a demonstrable and serious commitment to providing insurance for artists.

PLEASE NOTE:
  • I do NOT provide insurance 
  • I do NOT sell policies
  • I do NOT provide quotes
  • I do NOT offer advice as to the most appropriate insurance strategy or policies for YOU. Guidelines are generic i.e. general.
  • I am NOT liable for any problems you have as a result of reading this page or any site it links to. YOU make the decisions not me.
  • my DISCLAIMER on Insurance for Art and Artists in the USA & Canada
DISCLAIMER: One has to start somewhere when inviting insurance quotes - HOWEVER
(1) Inclusion of a link to a website does NOT endorse or otherwise indicate the organisation provides a reputable and effective service - although I aim, with your help over time, to compile a useful and comprehensive compendium of crowd-sourced recommendations about different insurers - and which to avoid.  
(2) I'm also not responsible in any way for the services provided at the other end of a link or advert
(3) I don't know which adverts you see (Google tailors them to you and YOU control what you see) and I do not specifically endorse any services offered by advertisements.
0 Comments

Why more artists need to study business

18/9/2017

0 Comments

 
Paying for health care and business insurance, saving for retirement and recovering from disasters can be tough to handle for artists without traditional jobs
Picture
'The Moneylender and his Wife' by Quentin Massys (1456-1530)
Smart Art: Why More Artists Need to Study Business is an article and a 20 minute podcast (RECOMMENDED). This post provides a quick briefing on what it's about.

They both focus on why artists need to be more than just talented artists in order to succeed and survive in the art world and what they need to know and do. 
​
All quotations are from the article unless otherwise stated.
Traditionally, the artist was seen as this type of person who was aloof or being unaware of the real world. It gave them some X-factor. But not anymore, because there are more than 2 million artists in the U.S., and they have to survive somehow. According to data, we know that only 40% of them will remain as working artists within five years, and only 10% of them will persist in the long run. 
Gizen Saka
The participants are:
  • Jenifer Simon, director of  programs and outreach at  CERF+ - a nonprofit that helps provide artists with a financial safety net, and also helps people needing emergency relief and being prepared for meeting an emergency
  • Gizem Saka, an artist who is also a senior lecturer at Wharton Business School.
CERF+ is committed to helping artists build resilient careers through sustainable business practices that can contribute to the likelihood of rebounding from setbacks, whether due to minor mishaps or major emergencies.
​CERF+ - Craft a Career
Key points include:
  • every art school should have a business class for their students
  • artists need insurance otherwise a setback might mean their career ends with a nasty accident which destroys their artwork, art materials or studio.
  • artists MUST have public liability insurance for any interaction with the public by them or their artwork in a gallery or other location. 
  • studio safety is critical - artists need to be well informed about the space they are going to be inhabiting (see 
  • artists need to consider risk management - how to manage risk and identify what they can least afford to lose. What is the most critical event that could affect your ability to make art and how likely is it to happen?
Picture
Ghost Ship - Site of a fire on December 2, 2016 that killed 36 people in an artists' collective housed in a warehouse in Oakland, California
Artists need to know:
  • what their hidden costs related to business expenses are
  • whether or not their studio use at home is covered under their normal residential home insurance policy
  • how to avoid injury - and become unable to make art - due to repetitive strain injuries
  • how to find affordable places to work and be safe
  • why artist communities are so essential to helping each other out in an emergency
  • why financial plans are essential to developing an art business or a business related to art.
  • how to be a savvy artist when it comes to getting funding and making a living from their art or interest in art.

and finally......

My response to the first comment on this article from Luis G. Renart, Emeritus Professor of Marketing, IESE Business School, University of Navarra, Barcelona, Spain is my 2013 post Picasso the businessman - branding and the value of art a.k.a. this man doesn't understand what an astute business man Picasso was!
REFERENCE:
  • Insurance for Art and Artists
  • Retirement and Pensions for Artists
  • This is Studio Plus - the Artists' Guide to Emergencies
  • This is Studio Protector - the Artists' Guide to Studio Safety 

Subscribe to Art Business Info. for Artists - NEWS by Email
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0 Comments

Is your studio going to survive a major flood?

3/9/2017

0 Comments

 
I've just been updating my Insurance for Art and Artists page for the 1,000 year flood in Houston.  

Those who already know it, will know that I do case study features to show what happens when the "these things always happen to somebody else - not me" event actually happens! The case studies feature
  • fires in art schools (Pratt Institute Feb. 2013; Glasgow School of Art May 2014)
  • fires in artists studios (Bastrop County Complex Fire September 2011)
  • tornados and artist studios (Oklahoma Tornado May 2010)
  • floods and art galleries (Superstorm Sandy 2012)
and now
  • floods in Houston (Hurricane Harvey August 2017)

The situation in Houston

Here’s a List of Emergency Resources for Houston Artists:https://t.co/vgEHcMQYf7 pic.twitter.com/m4KTWCVMAn

— Glasstire (@Glasstire) August 28, 2017

What's really interesting is that most of art museums seem to have learned the lesson from Superstorm Sandy - which saw art galleries in the Chelsea area of New York flooded and lots of stock lost and the galleries closed for a significant time while plaster and floors were ripped out and the interior was reinstated.

The art groups seem to have thought through what to do. Or have moved very fast since. 
There's now an Emergency Resources for Artists in Houston Google Spreadsheet that can be found here

Not so the artists. I've seen a number on social media who have lost their studios - and never ever anticipated they would be affected by flooding. Sadly I gather some/many are also not insured for flooding. 

Has your art group thought about to respond to an emergency?

The time to think about how best to respond to an emergency is BEFORE it happens. It's called "risk management". 
  • Has your local art group thought about what's unlikely to happen but it would be devastating if it did - and how they would respond?
  • ​The National Coalition for Arts’ Preparedness and Emergency Response have Essential Guidelines for Arts Responders Organizing in the Aftermath of Disaster 

Will your studio survive a major flood?

Have you thought what you would do if your studio was destroyed along with your equipment, materials and stock of artwork?

Do you insure your art business for unexpected and catastrophic events?
Have you even thought about you might need to insure for? (You may be surprised).

I RECOMMEND you have
  • a read of my page about insurance for art and artists and
  • a think about what you would need to do to start earning again - if you suffered one of those "things that always happen to somebody else - not you" events.
0 Comments

How to start a gallery in your apartment - NOT!

8/1/2017

2 Comments

 
Lots of artists sell art from home. It's a business model that can work well for many artists. ​BUT you do need to be aware of the legal and other  implications of selling from home.
Selling art from home
Artsy published an article on 4th January about How to Start a Gallery in Your Apartment. This article by Casey Lesser
  • makes the case for the apartment based gallery
  • interviews people who have apartment galleries in five different cities
  • asks what does it take to start a gallery.

Unfortunately the article tends to focus only on the social and artistic considerations and wholly omits to mention critical factors which should ALWAYS be taken into consideration before you open a gallery in your spare bedroom - or your living room and a bedroom as Leo Castelli did.

Hence this blog post. I would urge all those thinking of widening their options for selling art in 2017 to read on before they potentially create a lot of problems for themselves.

It's not that you can't do it - but rather than it's rather more complicated than this "how to" article suggests it might be.
Picture
How to sell art from home - the nice cuddley version (published in Artsy on 4th January 2016)
So here are the factors it omits to mention - but if YOU ignore them you could find yourself landed with some very expensive repercussions!
Picture
How to sell art from home - the practical, hard-nosed and business-oriented version
​My page on Selling Art from Home provides you with a whole page of things you need to think about and resolve before you sell art from home

There is no mention in the Artsy article of:
  • whether your legal title to your property allows you to do this. Do you want to forfeit your lease?
  • whether your mortgagor allows commercial retail activity from a domestic home - the rates for commercial mortgages are completely different to those for domestic mortgages
  • insurance requirements for your liability for the health and safety of third parties on your property - omit this at your peril!
  • planning permission - for treating a domestic property as a commercial entity (working from home is very, very different to inviting people in to your home to sell art) 
  • the impact on taxation on your property. In some places the way capital gains are taxed is very different if it involves part of the property being used for commercial activities. 
and that's just the beginning! There's a lot more on my - but hopefully you'll find the explanations short and helpful.

Do please read this page before being seduced into thinking it's really quite simple and straightforward from a legal and financial perspective to open a gallery at home.
2 Comments

Do you have to have insurance to run an art class?

8/8/2016

4 Comments

 
The short answer is "Yes" - insurance is needed for an art class because the public are involved.
ARTIST RUN WORKSHOPS AND ART CLASSES
  • - 3rd party public liability insurance cover for host premises (check whether this is included in the rental or not)
  • - 3rd party public liability for students in art workshops you're running
  • Insurance for Art and Artists
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.
a-n
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
  • conform to all rules and regulations relating to professional practice / health and safety - and
  • make sure your students do the same
However if your conduct falls short and you break the rules or encourage your students in risky behaviour you may well find that you are not covered and you're on your own!

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
  • my webpage on the topic Insurance for Art and Artists.
  • A-n | ​Get covered: why artists need to have insurance and how a-n can help
  • UK Craft Fairs | Organising and running arts and crafts events
Picture
Students in one of my workshops at the Mall Galleries. The Galleries hosted the event and provided the equipment - and they carry the public liability cover.
4 Comments
    Wanting to find out about the business side of art?

    Art Business Info. News for Artists 

    Successful artists get on top of the business side of being an artist.
    ​Do you want to:
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    ​and/or need a Guide to the Art Business?

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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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ABOUT ART BUSINESS INFO. FOR ARTISTS  -  Please read "PLEASE NOTE"
This website aims to provide a compendium of resources about the art business for artists. 

It helps artists learn how to do better at being business-like, marketing and selling their art and looking after their financial security.
  • HOME
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Copyright: 2015-2021 Katherine Tyrrell | Making A Mark Publications
​
- all rights reserved
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If you've got any suggestions for what you'd like to see on this website please send me your suggestion
PLEASE NOTE:
1) Content and the law change all the time. It's impossible to keep up with it if you're not working on the topic full time. 
​2) I research topics carefully. However, I am totally unable to warrant that 
ANY and/or ALL information is 
  • complete and/or
  • professional and/or
  • up to date and/or
  • wholly accurate and/or 
  • all links lead to the most current information (at the time of writing)​
​3) Hence all information I provide comes without any LIABILITY whatsoever to you for any choices you make. 
4) This website is FREE FOR YOU but not for me. ​Links to books are Amazon Affiliate links. Buying a book via this website means I get a very small payment which helps to fund and maintain this website. .I much appreciate any support your provide. Adverts are provided by Google AdSense - but the adverts do not mean I endorse the advertiser.
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      • What is an Artist Statement?
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      • How important is price when buying art?
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