For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
Art therapy produces statistically significant positive effects on negative health symptoms just like aromatherapy. Since art therapists work with a wide variety of clients, insurance is a must to protect against liability in a significant number of situations. In this article, we will look at the best components of art therapy insurance and commonly related topics like:
The cost of premiums
The best companies for art therapy insurance
Coverage limits
Available add-ons to the inclusions
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
A general liability policy is an art therapy insurance coverage that protects against things like third-party bodily injuries, property damage, and product liability. Below are some situations where this art therapy liability insurance might come in handy:
A painting solution causes a client to develop an allergic reaction
While working on an art therapy project, a client causes permanent damage to one of their electronics
A customer slips and falls while on the property of an art therapist
An art therapist accidentally damages a customer’s property while in their home
Art therapy covered by insurance begins by purchasing a general liability policy. Use the table above to see which insurance company offers this insurance best.Â
Some general liability insurance policies allow for an excess liability option, which offers more protection and a higher policy limit. This could save you in an incident where you accidentally cause more damage than you were expecting. You can also add customer property coverage that covers the loss or damage of valuables in your care.Â
No. Generally, the law does not require an art therapist to have general liability coverage. However, you are rolling the dice by not having any form of basic coverage that could bankrupt your business. Some types of clients, like schools and hospitals, may require that you have a form of liability protection to do business with them.
General liability claims are often triggered when an occurrence of injury or damage occurs. Often, you will need to pay a deductible before protection applies.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Professional liability insurance is also known as professional indemnity insurance for art therapists. This insurance policy will cover any mistakes, unintentional errors, or oversights that an art therapist makes in the workplace. Examples of times you can use this coverage include:
Professional indemnity insurance for art therapists would protect you in the case that your practice causes mental anguish due to bad advice
If you don’t deliver their service at the scheduled time with a client, this type of insurance can cover your liabilities should a client hold it against you
Copyright infringement add-ons can be a good pick for art therapists since they are often dealing with artistic materials that may be copyrighted. This add-on would help protect against potential legal issues.
Another great add-on to consider is a legal protection policy that allows you to easily get connected with a legal strategy in case a customer lawsuit unexpectedly comes up.
Dishonest or malicious acts that lead to liability claims will not be covered by a professional liability policy. This will cover only unintentional mistakes or lapses in commitments that you make to your clients.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Commercial property insurance covers an art therapist who operates out of a building and any property within the business. This type of insurance covers costs related to natural disasters, fire, riot, theft, and vandalism to your commercial property. Some example situations when you can use this policy include:
Fire spreads into your office and singes your art canvases
Someone breaks into your commercial property and steals art supplies
A power outage fries some electronics you use inside your business, like a phone or computer
Earthquake coverage can be added to commercial property insurance. Business interruption is another excellent policy add-on to protect against lost income that comes from damage to your office.
Any property damage due to your own negligence is not covered by this insurance policy. If you fail to maintain your building by a reasonable standard, you cannot get this covered. Certain events like insect infestation damage are also not typically included.
