Running an art studio or gallery isn’t just about showcasing creativity—it’s also about managing a business. That means handling everything from artist contracts to foot traffic, and unfortunately, the occasional mishap. Having the right art studio and gallery business insurance can help you protect your space, your art, and your clients from unexpected risks.
General liability is business insurance that helps you went unexpected events, accidents and other risks arise. The various levels of protection provided through your commercial liability insurance are designed for the benefit of your customers as well as your company. It will also expand your protection as your company expands. When you add a second or third art gallery for example, your general liability insurance will provide protection for it even if you have not added it to your policy.
Example: A gallery visitor trips on a loose rug, spraining their ankle. Your general liability insurance helps cover their medical expenses and any potential legal fees if they decide to sue.
Business owners insurance, or a business owners policy (BOP) will provide you with general liability coverage in addition to specific asset protection. A BOP is customizable coverage for your company. This means that you can pick and choose only the types of coverage you actually need. BOP protects your physical, tangible and intangible assets from loss and damages. The types of coverage you may select in this type of policy include:
Example: A fire breaks out in your gallery, damaging several pieces of art and some display furniture. The BOP helps cover the costs to replace both the artwork and the damaged property.
At USA Insurance in Burbank, CA, we’ve been providing commercial insurance for nearly two decades. With agents across the U.S., we tailor policies specifically for art studios and galleries. You’re more than a number to us—we know your business, and we’re here to make sure you’re protected, so you can focus on curating the perfect collection.
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