Finding a good agent or broker should be relatively easy if you ask friends and/or colleagues whom they use. Make sure to choose a representative you feel comfortable working with, someone who is communicative and responsive to your needs. You may decide to work with an agent who represents a specific company or companies, or go with a broker who independently and directly represents you to the marketplace. Brokers may offer a broader range of coverage options because they represent you and not the insurance company, but either choice is fine. Just be sure your representative understands your insurance needs and helps you to design a package that provides the coverage appropriate to your situation. It’s okay to be wary of insurance salespeople. A healthy dose of skepticism means you’ll use good judgment when making your decision about who to work with and what coverage you’re going to choose.
Only a third of artists assisted by CERF+ have business insurance. The cost of not having business insurance or having inadequate insurance can be devastating to any business.
We think it is vital that all artists take steps to reduce the chance of loss and acquire adequate business insurance. The cost of business insurance may be less than you think, and when approached with thoroughness and a proactive insurance agent, you will be sure to be getting the most complete and appropriate coverage for the money.
At CERF+, we know that if every professional craft artist in the country took the steps outlined in this section there would still be need for our emergency relief services, but we also know each dollar of assistance would go further. Please contact CERF+ if you need more assistance with your risk management plan.