Having liability insurance is a "good" thing for you the artist. If someone gets hurt in your booth and they decide to "sue" you are covered. Also, if for some reason you are out of work because your studio was broken into or whatever, or your art gets stolen you are covered. The city is trying to protect themselves and you. It's not that expensive so go for it. I just had to make a claim because I sent $2200 worth of jewelry to Chicago and it was stolen from the lobby. The insurance did not pay for the total value but they covered half so that I could at least buy more materials. In this day and age, insurance is a good thing.
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I've seen both sides of the argument. Allstate couldn't have been nicer when some lout hit my van back in February. Even tried to get me a similar vehicle to my Transit Connect. On the other hand I once had an insurance company try to claim I was partially at fault for an accident simply by being on the road,
Well, since I just had a claim on my insurance, I don't feel that the insurance company was trying to wiggle, I thought that they were very fair. I sent a package of jewelry to Chicago using USPS, my husband forgot to insure it and to ask for a signature. The package worth $2300.00 was stolen from the lobby of my daughter's apartment building. The Chicago police are too busy fighting "murderers" to have been concerned. I turned to my insurance and they were very helpful and reimbursed me fairly so I am very happy to have insurance and the policy is clear about what it covers.
Which is one reason the premiums are so high.
Leslie, you are so right! Wiggling is what they do best! They have warehouses full of lawyers, who work for the lawyers who are their corporate lawyers!! :)
I got coverage for when I'm on the road or at shows last year, but experience with my car, health, and home insurance has taught me that if an insurance company can wiggle their way out of a claim, they will.
Okay- that's not fair. Not every company and not every time, but often enough to make you nervous when you think you might be needing that coverage shortly.
@ Leslie - the best policy you can have is 'the one you have in place when you need it'... not having one doesn't help you a bit. If you don't know what's covered; call and ASK your agent if the policy 'covers this' or 'covers that', if the agent is any good she/he will be able to explain it in something resembling english. If it's still hard to understand their 'jargon', tell them so... and ask for a different explanation. I used to be an insurance agent and most of the people I worked with and around were fairly human and fairly friendly - call them - better to know what you do or don't have covered before a problem occurs :)
it! Need it.
With insurance you never really know if it's any good until after you need.
Be careful. Not every policy covers you when you're away from home. Someone said they found that out the hard way and when I double checked my policy I found I wasn't covered while on the road either.
I used to do antique shows. At one show a lady tripped on the edge of a display while exiting my booth and brought a big display of glassware crashing down. I was so thankful that she wasn't hurt and didn't sue. I was also thankful for insurance in case she had. Needless to say, I was more careful about display after that, but now I KNOW I never want to do a show without insurance.