Frequently Asked Questions: Liability Insurance

• General Information
  • About the Programs
    • Is Fractured Atlas an insurance company?
      Is Fractured Atlas an insurance company?

      No, we are not. Fractured Atlas is an arts service organization. Our thousands of members reside across the United States (and some in foreign countries) and are artists/arts administrators from all of the different artistic disciplines. The insurance programs we offer are a result of negotiations with brokers and insurance carriers. We are pleased to be able to offer them to our members.

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    • Do I have to be a Fractured Atlas member to access these programs?
      Do I have to be a Fractured Atlas member to access these programs?

      Yes. The programs we've developed are specifically for our members and the low-cost prices have been negotiated specifically for them. If you are an artist or arts administrator who is interested in our insurance programs, but hesitant about becoming a member, we encourage you to browse our website to view our other services, as you might find them useful. If, after viewing our other programs, you are still unsure about signing up for membership, please give our office a call and speak with the Director of Member Services. He will be happy to answer any questions you may have about membership or the Liability Insurance programs.

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    • Does what I need insurance for have to be artistic in nature or arts-related?
      Does what I need insurance for have to be artistic in nature or arts-related?

      Yes. It either needs to be artistic in nature or for an artist/arts organization. For example, under our Event Insurance program, we do cannot insure weddings. But, if you are an artist performing at a wedding, or are filming the wedding, we can provide assistance. If what you need insurance for cannot be provided through one of our programs, we can direct you to a broker's office, as they might be able to provide assistance.

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    • How come the rates are so low? It seems too good to be true!
      How come the rates are so low? It seems too good to be true!

      Using strength in numbers and Fractured Atlas' negotiating power, we are able to offer our members extremely competitive rates. If members went through these same insurance companies directly, they would not be able to get these same rates or, in some cases, these same policies (as some are specifically tailored for Fractured Atlas members only). You can feel free to try, though!

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    • What insurance companies do you work with?
      What insurance companies do you work with?

      Currently, we work with Philadelphia Insurance Company for Event Insurance, Annual General Liability Insurance, and Arts Fairs/Festivals Insurance. For Public Art Insurance, Worker's Comp, D&O Insurance, and Film & Equipment Insurance, we work with Chubb Insurance Company and The Hartford. Under certain circumstances, we may need to go through another insurance carrier to provide you with a quote. All of the insurance companies we work with are rated either A, A+, or A++ by AM Best (AM Best is the company that rates insurance carriers).

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    • Are all policies annual?
      Are all policies annual?

      All policies are annual except for Event Insurance and Arts Fairs/Festivals Insurance, which are both short-term (these can go from one day up to 11 months). The reason our other policies are annual is because the rates are more cost effective for our members. A short-term policy might actually cost more than the annual policies we offer. Annual policies can also be easily renewed year after year. Having an annual policy tends to save time and money in the long run. And, you'll always have it, so you don't have to rush to get a short-term policy when you find out you need it the day before an event, etc.

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    • How long will it take to obtain liability insurance through your programs?
      How long will it take to obtain liability insurance through your programs?

      From start (application) to finish (certificates in hand), it can take as little as two to five business days, but we prefer that members allot at least ten business days (two weeks) just in case any unforeseen problems arise. Some of our insurance programs have shorter turnaround times than others, so please refer to their individual program pages on our website for more information.

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    • What if I still have questions?
      What if I still have questions?

      Please contact the Fractured Atlas staff immediately by email or phone (ask to speak with the Director of Member Services).

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    • How come Fractured Atlas staff cannot immediately answer all my questions?
      How come Fractured Atlas staff cannot immediately answer all my questions?

      Fractured Atlas is an arts service organization, not an insurance company. Our Liability Insurance programs are a service to our members and we work with insurance brokers and carriers to create these programs. Sometimes we must contact these insurance agents to ensure that members receive a complete, correct answer.

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  • Obtaining a Quote
    • How do I apply for a quote?
      How do I apply for a quote?

      To apply for a quote, you must first be a member of Fractured Atlas. If you are not already a member, please click on Become a Member at the top of our website. Once you are signed up and logged in, go to the Liability Insurance menu, click on the program of your choice, and then, on the resulting page, click on "Click here to submit an application and request a quote." The online application takes about 5-7 minutes to fill out.

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    • Do I have to be a member to apply for a quote?
      Do I have to be a member to apply for a quote?

      Yes. The programs we've developed are specifically for our members and the low-cost prices have been negotiated specifically for them. Therefore, only members can apply for quotes. However, if you are an artist or arts administrator who is interested in our insurance programs, but hesitant about becoming a member, we encourage you to browse our website to view our other services, as you might find them useful. If, after viewing our other programs, you are still unsure about signing up for membership, please give our office a call and speak with the Director of Member Services. He will be happy to answer any questions you may have about membership or the Liability Insurance programs.

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    • Is it free to apply for a quote?
      Is it free to apply for a quote?

      Yes. All members of Fractured Atlas can apply for liability insurance quotes for free.

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    • Can I just get a ballpark figure without becoming a member and applying for a quote?
      Can I just get a ballpark figure without becoming a member and applying for a quote?

      Yes and no. Fractured Atlas staff members are not insurance underwriters and, therefore, we do not recommend asking us for a ballpark figure. We can try our best to offer a broad price range based on the quotes we've seen in the past, but the actual quote could be a lot lower or higher than what we present.

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    • How far in advance of my intended coverage effective date can I apply for a quote?
      How far in advance of my intended coverage effective date can I apply for a quote?

      You can apply for a quote at any time, but we generally recommend applying no earlier than three to six months before the time you need the insurance to begin. Once the quote is issued and sent to you, it does not need to be purchased immediately (though it can be). The quote will remain in effect until the start date you requested. Some quotes only stay in effect for 30-60 days, but we can generally reproduce the quote if necessary without your needing to reapply. If you received a quote and you believe it to be expired, please contact our office before submitting a new application. Once you put in a quote request through our website, it can take as little as two to five business days to process everything, but we prefer that members allot at least ten business days (two weeks) just in case any unforeseen problems arise.

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    • What do I do once I receive the quote?
      What do I do once I receive the quote?

      Please review the quote first and contact our office directly if you have any questions (especially if you think a mistake has been made on your quote). Also, please contact us if changes have occurred and you need to adjust the information you originally submitted (please do not resubmit another quote request). If you are ready to purchase the insurance, you can call us with your credit/debit card information to pay the binder fee. Once the insurance is bound, we will produce insurance certificates for you as necessary (they will be emailed). An invoice and policy will be sent to you directly in the mail a few weeks after binding (these will be sent by the insurance company and/or our broker's office). If you do not want or need to purchase the insurance, it is helpful for you to tell us so that we can close the file in our system.

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    • I don't like/I no longer need the quote. What should I do?
      I don't like/I no longer need the quote. What should I do?

      If you think mistakes have been made, please contact our office. Sometimes the insurance underwriters, who are not artists, can make some mistakes due to lack of knowledge of artistic events. If we agree that a mistake has been made, we can request a revised quote. If you have no interest in purchasing the insurance based on the quote or your situation has changed and you no longer require it, please email/call our office and let us know so we can close your file.

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    • Since submitting the original request, I've had some changes that you should know about. What do I do?
      Since submitting the original request, I've had some changes that you should know about. What do I do?

      We can always go back to the insurance company to obtain a revised quote. Don't hesitate to ask! Please do not resubmit a quote request unless a Fractured Atlas staff member asks you to do so.

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    • What happens if my application is initially turned down?
      What happens if my application is initially turned down?

      Sometimes the insurance companies we normally work with cannot provide a quote for a variety of reasons. If this occurs, the broker we work with will attempt to find an alternate route to provide you with a quote. This might require additional time to process, so please be patient. If, after multiple inquiries with various insurance companies, we are still unable to provide you with an insurance quote, we apologize profusely. This only occurs in the rarest of circumstances and generally means that what you're looking to insure is too risky for insurance companies to cover. Since, at this point, we will have made multiple attempts to obtain a quote, you will most likely not be able to find insurance in general -- within or outside of Fractured Atlas.

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    • My quote came back higher than the prices stated on your website. Why is that?
      My quote came back higher than the prices stated on your website. Why is that?

      The pricing information on our website is generally the minimum price for a policy. In many cases, you might not meet the requirements to receive the minimum premium. This could be a result of many different factors. However, if you think there is a pricing mistake on your quote, please feel free to discuss this with a Fractured Atlas staff member.

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    • Is there any way to obtain a quote lower than the minimum price posted on your website?
      Is there any way to obtain a quote lower than the minimum price posted on your website?

      Unfortunately not. But, we've heard through the grapevine that we offer the most competitive rates on the market. We encourage you to obtain quotes from other organizations, but you probably won't find an insurance policy with a lower premium for what you're looking for since we specifically negotiate low rates for top-quality insurance policies for our members.

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  • Filling Out the Application
    • I don't know how to answer many of the questions on the application. What do I do?
      I don't know how to answer many of the questions on the application. What do I do?

      Please note that there are blue question marks next to some of the more convoluted questions. Click on the question mark for more information. Please also note that there are white exclamation point boxes to the right of certain questions with important information. You should answer all questions to the best of your knowledge (i.e., ballpark numerical figures). For example, just because your venue has 100 seats doesn't mean you need to list the attendance figure as 100, unless you whole-heartedly believe you're going to sell out. Use your best judgment to answer all questions. An educated guess does not equal insurance fraud. If you need further help, please contact our office.

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    • What is an "additional insured?"
      What is an "additional insured?"

      Sometimes, your organization is not the only one that needs to be insured through these policies. Venues (for events), locations and rental houses (for films), commissioning entities (for public art), and government offices are some of the many entities that might request that they be named "additional insured," which means they will also be covered by your insurance in case something happens and they are sued. Some policies specifically include a certain amount of additional insureds, whereas others guarantee unlimited additional insureds. If you need a certificate of insurance for an additional insured, please list the entity requiring it on your application. If you are unsure of the additional insureds at the point of applying, or if there is no place on the application to list your additional insureds, please contact a Fractured Atlas staff member for instructions on how to obtain these certificates once the insurance has been bound.

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    • How come I can't access the application?
      How come I can't access the application?

      You must be a Fractured Atlas member to access the application. If you are a member, please make sure you're logged into the website.

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  • Purchasing the Insurance
    • The quote looks great! How do I purchase the insurance?
      The quote looks great! How do I purchase the insurance?

      All purchasing instructions are in the body of the email which your quote is attached to. Please follow those instructions, which are as follows... Once you've reviewed the quote, if you'd like to purchase it, please call our office and speak with the Director of Member Services. You'll need a credit/debit card handy to pay the binder fee (we do not accept cash or checks and you cannot pay this fee in installments). If you're fiscally sponsored, you can also choose to use funds in your fiscally sponsored fund to pay for the binder fee (the 6% fee will be waived). Once the insurance is bound, we will produce insurance certificates for you as necessary (these will be emailed). An invoice and policy will be sent to you directly in the mail a few weeks after binding (these will be sent by the insurance company and/or our broker's office).

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    • When do I receive my insurance certificates after I purchase the insurance?
      When do I receive my insurance certificates after I purchase the insurance?

      Certificates for additional insureds can generally be produced in one business day. However, we ask that you request these a few days beforehand just in case an unforeseen circumstance occurs. If you have already requested these certificates on your insurance quote request application, we will automatically produce these the day after you bind the insurance. If you did not request these on an application, please send an email with the full name and address of the entity requesting the certificate. Please also let us know if the entity requires any specific wording on the certificate (usually found in a contract you might have with them). As stated above, the certificates take about 1 business day to produce. We will email them to you in PDF format. Please keep the certificates for your files and print them out for whoever requires them. Some insurance policies specifically include a certain amount of additional insureds (and if you need more over this limit, a surcharge may apply), whereas others guarantee unlimited additional insureds. If you have any questions about insurance certificates and/or additional insureds, please ask a Fractured Atlas staff member for assistance.

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    • What is the binder fee that's added to the insurance?
      What is the binder fee that's added to the insurance?

      To make this program possible, Fractured Atlas adds an administrative binder fee that must be paid in order for the insurance policy to be bound. Binder fees are calculated on the following scale: $75 or 10% of the total premium(s) (whichever is higher) for policies with premiums totaling $5,009 or less; $500 for policies with premiums totaling between $5,010 and $50,099; and 1% of the total premium(s) for policies with premiums totaling $50,100 or more. If you need to expedite a quote or need to endorse (add) something to your policy, certain other administrative fees may apply.

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    • How do I get a copy of my policy?
      How do I get a copy of my policy?

      Your policy will be mailed to you by the insurance company about 2-3 weeks after you bind the insurance. If you require a policy more immediately, we can email you a sample copy at your request (in PDF format; warning: they're over 60 pages long). All of the rules and stipulations remain the same, but there is a sample organization name on the cover.

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• Annual Liability Insurance
  • What is annual general liability insurance?
    What is annual general liability insurance?

    Annual general liability insurance is necessary for organizations that are consistently working in environments that require insurance coverage (rented venues, schools, etc.). It mainly covers against damage to rented/owned spaces and injury to spectators who attend the organization's events. It can also cover injury to performers upon request (the same coverage provided under Volunteer Accident insurance, as required by Actors Equity Association for Equity Showcases).

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  • What are the limits of this insurance?
    What are the limits of this insurance?

    The limits are: $3,000,000 general aggregate; $1,000,000 each occurrence; $1,000,000 personal and advertising injury; $100,000 fire damage legal liability; $5,000 medical expense coverage per occurrence (if requested)

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  • Is there a deductible?
    Is there a deductible?

    No, there is not.

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  • How much does it cost?
    How much does it cost?

    Each policy must be individually underwritten by the insurance company, so we can't guarantee a particular rate in advance. The insurance companies use annual payroll figures as well as attendance figures to rate the policies. We can report that to date, organizations that are small and don't produce many events throughout the year will have annual policies of about $500 (the minimum) to $1000 (these figures do not include our binder fee).

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  • What can be insured under these policies?
    What can be insured under these policies?

    Through this program, we've insured a variety of different artistic organizations -- theater companies, dance companies, music organizations, film organizations, art galleries, etc.

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• Directors and Officers Insurance (D&O)
  • What is directors' and officers' liability insurance?
    What is directors' and officers' liability insurance?

    Directors' and officers' liability insurance (D&O) offers your individual directors (high-level staff of organizations) and officers (Board members) the protection they need from personal liability and financial loss arising out of wrongful acts committed in their capacity as officers and/or directors. Example: If the Executive Director of an organization runs off with the company's money, this would cover the Board Members and other high-level staff if they were sued. One can also elect to include Employment Practices coverage as well, which covers things like sexual harassment, discrimination, and wrongful termination suits.

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  • What are the limits of this insurance?
    What are the limits of this insurance?

    The general aggregate on this insurance is $1,000,000.

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  • Is there a deductible?
    Is there a deductible?

    There is a $2500 deductible on certain claims.

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  • How much does it cost?
    How much does it cost?

    Each policy must be individually underwritten by the insurance company, so we can't guarantee a particular rate in advance. However, we can report that to date, policies for non-profit organizations with under 10 staff members have been about $650-$900 (before our binder fee). Adding Employment Practices coverage will most likely double the premium, or at least add $500 to the price. These are annual policies.

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  • What can be insured under these policies?
    What can be insured under these policies?

    Any and all types of non-profit arts organizations (and those of a non-profit nature, e.g. fiscally-sponsored organizations) can be insured under these policies.

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  • What isn't insured under these policies?
    What isn't insured under these policies?

    For-profit arts organizations cannot be insured under this specific program, but we can ask the broker if there is a way to obtain a quote for such groups.

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• Event Insurance
  • What is event liability insurance?
    What is event liability insurance?

    Event liability insurance is generally required by venues -- theaters, galleries, etc -- when their space is being rented and used for an event. It mainly covers against damage to the space itself and injury to anyone in attendance. It can also cover performers if necessary (the same coverage provided under Volunteer Accident insurance, as required by Actors Equity Association for Equity Showcases).

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  • What are the limits of this insurance?
    What are the limits of this insurance?

    The limits are $3,000,000 general aggregate; $1,000,000 each occurrence; $1,000,000 personal and advertising injury; $100,000 fire damage legal liability; $5,000 medical expense coverage per occurrence (if requested)

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  • Is there a deductible?
    Is there a deductible?

    No, there is not.

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  • How much does it cost?
    How much does it cost?

    Each policy must be individually underwritten by the insurance company, so we can't guarantee a particular rate in advance. Most events with under 800 spectators attending the event (over the entire length of the event) will warrant the minimum policy premium of $300 (not including the binder fee). Premiums are based on attendance figures and might increase if coverage for performers ("Volunteer Accident Insurance") is added.

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  • What can be insured under these policies?
    What can be insured under these policies?

    Through this program, we've insured a variety of different types of events (all of them must be artistic in nature), including: plays/musicals (including Equity Showcases), dance performances, opera performances, music/concert performances, gallery showings/installations, film screenings, literary readings/discussions, outdoor visual art presentations, galas/benefits for arts organizations, and some artistic classes/workshops. Rehearsals for these events can also be insured.

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  • What isn't insured under these policies?
    What isn't insured under these policies?

    In general, the insurance company we work with will not insure concerts that include certain musical performances: rap/hip-hop, punk, and heavy metal included (most insurance companies won't insure those). Events held in someone's private home are also generally not insurable, as it should be covered under a homeowner's policy.

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  • What if my event runs for a long period of time and/or in different venues?
    What if my event runs for a long period of time and/or in different venues?

    As long as it's the same event, it will be covered under the same policy. The event can run for one day, one month, or up to 11 months. If the event runs longer than 11 months, we suggest you apply to our Annual Liability Insurance program. And, if your event is a tour (or if you're rehearsing in one venue and performing in another), the policy can cover multiple venues.

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  • Does this policy include performer coverage/volunteer accident insurance?
    Does this policy include performer coverage/volunteer accident insurance?

    Coverage for performers can be included in these policies. Similar to Volunteer Accident Insurance, the insurance provider we work with is able to include performer coverage for all event and annual liability policies if it is requested on the application. This will cover both volunteer and paid performers up to $5,000 per occurrence. Please note the specific question that asks "Performer/Volunteer Accident Coverage?" Click "Yes" if you require this insurance. This provides the same coverage as Volunteer Accident Insurance and has been approved by Equity countless times.

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  • Do event liability policies automatically provide workers' comp insurance?
    Do event liability policies automatically provide workers' comp insurance?

    Unfortunately, they do not. You can apply for worker's comp separately, under our Liability Insurance menu, and we will provide you with a quote. Alternatively, you can elect to include performer coverage in your policy (you are asked this question on the application). This will cover up to $5,000 in medical expenses (per occurrence) for any injury to performers while they are in performance. This additional coverage will not cover injury to non-performing independent contractors or employees that are working on your event unless they are volunteers.

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  • We might be serving liquor at our events. Do we need to obtain liquor liability coverage?
    We might be serving liquor at our events. Do we need to obtain liquor liability coverage?

    Liquor liability coverage is only needed if you are in the business of selling, distributing, or manufacturing liquor (i.e., if you already have a liquor license). Therefore, if you have a liquor license already, you will need this coverage. Also, if you plan to sell liquor at your event, you will need this coverage (requesting donations for liquor and/or including the liquor as part of a ticket price do not constitute selling liquor). If you are simply serving liquor during the event, it will be covered under the policy. Please tell a Fractured Atlas staff member if you need this coverage included.

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• Film Production and Equipment Insurance
  • What is film production and equipment liability insurance?
    What is film production and equipment liability insurance?

    Members of Fractured Atlas can purchase insurance to cover their film production, including equipment and activities. Thanks to the combined purchasing power of thousands of filmmakers in the Fractured Atlas community, this coverage is available at significantly lower rates than would otherwise be possible. Film production insurance (also known as liability insurance) is generally required by venues and locations where you're filming. It mainly covers against damage to the space itself and injury to those in attendance who are not working on your film. Equipment insurance, if requested, can cover as much rented or owned equipment (against damage, theft, loss, etc.) as the member needs. Equipment can be film/video equipment, computers, props, etc. Rental Reimbursement insurance can also be added to the policy. This covers payments for rental equipment if you lost/damaged your equipment and needed to rent new equipment to keep filming. Negative Loss coverage can also be added to this policy. This insures the film negatives/tapes against damage/loss and covers reshoot/post production costs incurred as a result of this loss. Individual filmmakers and film production companies are eligible for insurance.

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  • My film shoot is short. Can I just get a short-term policy?
    My film shoot is short. Can I just get a short-term policy?

    Both fortunately and unfortunately, Fractured Atlas only provides annual film and equipment policies. Short-term policies would not be cost effective for our members. What does this mean for you? Well, these annual policies will cover any and all film shoots you do throughout the year. The equipment policies will cover any and all equipment you rent/own that is used during these shoots.

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  • What are the limits of this insurance?
    What are the limits of this insurance?

    The general liability insurance covers $2,000,000 general aggregate, $1,000,000 personal and advertising injury, $1,000,000 each occurence, $300,000 fire damage legal liability, and $10,000 medical expense coverage per occurrence. The equipment insurance covers however much equipment value you request on the original application. This covers against loss, theft, damage, weather damage, etc. Rental Reimbursement covers up to $100,000 worth of rental costs. Negative Loss covers up to $100,000 worth of the negatives and reshoot/post production costs incurred as a result of negative/tape damage/loss.

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  • Is there a deductible?
    Is there a deductible?

    There is no deductible on the general liability policy. On the equipment, Rental Reimbursement, and Negative Loss policies, there is a $1,000 deductible, unless it's a result of damage done by certain types of weather (hail, earthquakes, etc.), at which point the deductible is $10,000.

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  • How much does it cost?
    How much does it cost?

    Each policy must be individually underwritten by the insurance company, so we can't guarantee a particular rate in advance. However, the rates for film policies are generally consistent. The general liability insurance is usually $350 (not including our binder fee) and equipment insurance is generally rated at about $.60 per $100 worth of equipment plus $250 (not including the binder fee). These rates are extremely competitive, if not the best on the market, as this program was designed especially for Fractured Atlas members -- no one else has access to these policies. Adding Rental Reimbursement insurance to the policy will automatically add $250 to the premium. Adding Negative Loss insurance to this policy will automatically add $800 to the premium. All film and equipment policies are annual. Films with stunts and/or pyrotechnics might receive a higher premium for the liability insurance.

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  • What can be insured under these policies?
    What can be insured under these policies?

    Any type of film or video production (except pornographic) can be insured under these policies. Any type of related equipment (film/video, lighting, sound, computers, editing software, props, etc.) can be insured under the equipment policies.

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• Public Art Insurance
  • What is public art liability insurance?
    What is public art liability insurance?

    Our Public Art Insurance program offers liability insurance for the fabrication, installation, and/or exhibition of works of art that are in public areas (on the street, in buildings, etc). This insurance is generally required of artists that are commissioned by cities and other entities for such work. This program is the first of its kind. Nowhere else that we know of has a program specifically dedicated to public art. The insurance mainly covers against damage to the installation site itself and against injury to those who are somehow injured by the work itself. It can also cover damage to the artwork if the applicant requests it to be covered.

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  • What are the limits of this insurance?
    What are the limits of this insurance?

    The limits are $2,000,000 general aggregate; $1,000,000 each occurrence; $1,000,000 personal and advertising injury; $300,000 fire damage legal liability; $10,000 medical expense coverage per occurrence; and $1,000,000 for rented vehicles.

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  • Is there a deductible?
    Is there a deductible?

    There is no deductible for the liability insurance. For damage to the artwork, the deductible is $1,000 unless the damage is caused by extreme weather (hail, earthquakes, etc.), at which point the deductible is $10,000.

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  • How much does it cost?
    How much does it cost?

    Each policy must be individually underwritten by the insurance company, so we can't guarantee a particular rate in advance. However, we can report that to date, liability policies are $350 (if the artwork is metal, it will cost slightly more) and artwork coverage runs $.30 per $100 of artwork value (determined by the amount of the commissioning contract) plus $250. These rates do not include our binder fee.

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  • What can be insured under these policies?
    What can be insured under these policies?

    This insurance covers static works of visual art (sculptures, mainly) that are in areas accessible by the public.

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  • What isn't insured under these policies?
    What isn't insured under these policies?

    This program does not cover any performing arts done in areas accessible by the public (this is insurable under the Event Liability Insurance program).

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• Workers Compensation Insurance
  • What is worker's comp insurance?
    What is worker's comp insurance?

    Worker's compensation insurance provides insurance to cover medical care and compensation for employees who are injured while on the job, in exchange for relinquishment of the employee's right to sue their employer. This insurance is regulated on a state-by-state basis, so the broker will not always provide quotes through the same insurance company.

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  • Can you obtain worker's comp quotes for any state?
    Can you obtain worker's comp quotes for any state?

    By law, we cannot quote workers compensation policy for the states of Nevada, Ohio, West Virginia, and Wyoming, as these are monopolistic states. This means that workers compensation coverage can only be obtained by purchasing it through the state agency that sells it.

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  • What are the limits of this insurance?
    What are the limits of this insurance?

    Generally, it's $100,000 per accident and a $500,000 aggregate, but you should always check the quote to see if it's listed.

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  • Is there a deductible?
    Is there a deductible?

    No, there is not.

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  • How much does it cost?
    How much does it cost?

    Each policy must be individually underwritten by the insurance company, so we can't guarantee a particular rate in advance. However, we can report that to date, the minimum policy (for a very small organization with little to no payroll and only 1-5 employees) is about $325 (before the binder fee). But, worker's comp premiums can run into the thousands depending on how many employees, how much annual payroll, and what type of an organization is applying.

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  • What can be insured under these policies?
    What can be insured under these policies?

    Any arts-related organization can apply to this program.

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  • What isn't insured under these policies?
    What isn't insured under these policies?

    Disability insurance is not included in these policies unless the organization is based in New York, at which point our broker will obtain such a policy, as it's required.

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