Programs & Services

Property and Liability Insurance

A. M. Best Insurance Company Financial Ratings: A. M. Best Company does independent ratings of insurance companies. Register with them to access the financial stability ratings for your current or potential insurance carrier.
American Artist’s Guild: One of the goals of the American Artists Guild is for all American artists to be fully insured at a reasonable rate with excellent quality services and care.
American Assoication of Woodturners (AAW) Business Insurance Program: The AAW offers an insurance program that individual members can purchase at reasonable rates to cover their commercial activities of woodturning.
American Craft Council: American Craft Council provides a discounted property and casualty insurance program for its professional members.
Artist Help Network: A list of national organizations as well as agencies that offer studio insurance.
Brower Insurance – Artist Program: Brower Insurance has available business insurance designed for the craft artist. Available in Illinois, Indiana, Michigan, Ohio, and Pennsylvania. For detailed information, click on “Commercial Insurance” and then Artist Program.
CERF+ Forum on Business Insurance: CERF+ and the Furniture Society co-hosted an online forum on insurance in 2003 with insurance experts. Use this link to access this informative conversation.
CERF+'s Studio Protector – Getting the Right Business Insurance Coverage: This section of the Studio Protector is to inform uninsured artists about the world of small business insurance and to help you navigate the insurance industry to get the protection that you and your business deserve. If you already have business insurance, we hope that this section will help you assess that coverage.
CERF+: Business Insurance Basics for Artists: A handout prepared by CERF+ with information to help artists make better use of their business insurance dollar.
cerfnews: Business Insurance: CERF’s informative newsletter article about acquiring insurance for your craft art business.
cerfnews: Insurance Advice from the Trenches: A cerfnews article highlighting insurance related experiences of and advice from craft artists who have had serious emergencies.
Earthquake Insurance: Homeowners insurance doesn’t cover earthquakes and even if a federal disaster is declared after an earthquake, financial assistance from the government and charities would be limited and often in the form of a loan. Here is useful information about earthquake insurance.
Fight Bad-Faith Insurance Companies (FBIC): Insurance Company Ratings: FBIC compiles ratings from state insurance agencies and from individuals who have made insurance claims to establish good and bad faith ratings for insurance companies.
Flood Insurance: Homeowners insurance doesn’t cover floods and even if a federal disaster is declared after a flood, the compensation for loss would be in the form of a loan. Here are tools to assess your risk of loss from flood and to learn more about flood insurance.
Fractured Atlas: Business Insurance: Th Fractured Atlas is a non-profit arts service organization that supplies critical tools for independent artists, including access to liability and property insurance for its members.
Insurance Information Institute (III): This site offers descriptions of business insurance coverages.
Insurance Information Institute (III) – Insurance for Home-Based Businesses: If you think you are covered by your homeowner’s insurance, read this and then read your policy.
International Society of Glass Beadmakers (ISGB) Business Liability Insurance Program: Members of ISGB have access to a business liability insurance program.
Jewelers Mutual Insurance Company: Jewelers Mutual Insurance Company writes insurance specifically for jewelers.
John Buttine Insurance Company: Provides liability and property insurance coverage on a per-show basis
K and K Insurance Group, Inc.: K and K offers liability insurance for craft artists while participating in shows. View details in the following area of their website: Concessionaires, Exhibitors and Vendors.
National Association of Insurance Commissioners: State Insurance Department Listing and Links: Through the office of the insurance commissioner in your state you can find out if an insurance company is licensed to do business in your state and some state insurance agencies compile insurance company consumer ratings.
Quilters Insurance: Business insurance designed for quilters who work from home (no retail shop).
Reply!: Service Provider portal (insurance, loans, etc.).
RLI Insurance Company: RLI Insurance Company writes insurance for in-home businesses, including many types of craft media.
Standard and Poor’s Insurance Company Financial Ratings: Standard and Poor’s does independent ratings of insurance companies. Register with them to access the financial stability ratings for your current or potential insurance carrier.
The Hartford Insurance for Blacksmiths: The Hartford offers coverages designed to give you protection as a business owner, part-timer, hobbyist, or chapter through the Artist’s & Blacksmith’s Assoc. of North America (ABANA).
United Policyholders: United Policyholders is a non-profit organization dedicated to educating the public on insurance issues and consumer rights. The site includes extensive information on filing insurance claims.