This insurance is available to persons who regard themselves as visual artists, painters, sculptors, drawers, ceramics crafters, artistic related photographers and related disciplines.
Though liability insurance is optional in most cases, it is strongly recommended for Australian artists as the likelihood of being sued for negligence is unpredictable and may be very costly. Types of liability insurance you may need to consider include:
Under the Australian Consumer Law, consumers who suffer loss or damage from your products may take you to court.
Therefore you may need cover against claims of goods (products that you sell) causing injury, death or damage. Product liability insurance covers you if any of these events happen to third parties by the failure of your product or the product you are distributing.
This covers your liability for damage to property or injury to a third party that occurs in and around your Art or Craft activities. It protects you against the financial risk of being found liable to a third party for death or injury, loss or damage of property or economic loss resulting from your negligence.
Talk to a City Rural broker today to discuss what cover is best for you.