The Affordable Care Act (aka Obamacare) has made insurance available to many artists who either could not purchase it or could not afford it before. Many artists qualify for subsidies that bring the cost of insurance down to an affordable range. However, in states...
Many artists have studios in the home or in structures on the same property. Some start as a hobby and gradually grow into businesses, and many artists work in the home out of necessity or as the fulfillment of the dream to have a home and studio on the same property....
As with floods, earthquakes are not covered by your business, homeowners, or renters policy and must be purchased separately. The cost varies depending on: How close you are to a fault Construction of your building Whether or not you have retrofitted your building to...
Damage from floods is not covered by most homeowners, renters, and business insurance policies. Flooding is water that comes from the ground up, rather than driven by wind or through a roof that has been damaged which is covered by most policies. Flood insurance: Is...
Business Personal Property Coverage Building — Covers the physical structure of your studio. Business Personal Property — covers the contents of your studio such as tools, equipment, raw materials, inventory in progress, finished products, valuable papers and records,...
Acquiring affordable business owner’s insurance that adequately covers your biggest potential risks is a process that takes some time and effort on your part, but the resulting security is worth it. Business insurance includes a diverse set of over a hundred coverage...
