Protect yourself with insurance and a strong business plan

About the Role

Insurance is a critical consideration for artists and arts organisations. If you are a street performer, host an exhibition, invite people into your studio, run workshops, sell your designs, or perform in a band, you may be liable for injuries to others. Funding bodies often require proof of public liability insurance. Other types of insurance that may be needed include personal accident insurance, equipment insurance, and professional indemnity insurance.

Arts Law provides an excellent info sheet on insurance and liability to help you understand these requirements.

Insurance Providers

Insurance may not be as expensive as you think. Many arts organisations and peak bodies offer group policies that make insurance more affordable for arts groups and individual artists. Below are some providers to consider:

• Regional Arts NSW – Offers affiliate members access to group insurance policy cover.
• Finsura – Provides coverage for exhibitions, festivals, and workshops.
• AON – Has developed insurance packages for the entertainment industry, including photography and dance.
• The Association of Community Theatre – Acts as an umbrella group for amateur and community theatre groups, with members entitled to access a group insurance policy.
• Artworkers – Provides affordable public liability insurance to visual artists, craft workers, and designers through affiliated accredited membership.
• Duck for Cover – A not-for-profit association offering affordable insurance for performers, including workshops.

Disclaimer: Arts North West does not endorse the services of any of the insurance products listed above. If you require public liability insurance, contact a professional insurance broker to determine the best product for your needs.

Additional Resources

• Deductible Gift Recipient Status – The Australian Taxation Office provides details on obtaining this status.
• Business Plans – The Australia Council for the Arts, in collaboration with state and territory arts funding agencies, has produced a Business Plan Framework to assist arts organisations in developing effective business plans.