Art Therapy Insurance: Cost & Quotes From $20/mo

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

General Liability Insurance for Art Therapy

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. 


What Add-Ons for General Liability Insurance Are Good for Art Therapy?

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. 


Is an Art Therapist Required to Have General Liability Coverage?

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.


What Triggers a General Liability Claim?

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.


Professional Liability Insurance for Art Therapy

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

What Add-Ons Are Worth Getting for Professional Liability Insurance for Art Therapy?

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.


What is Not Covered by Professional Liability Insurance?

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.

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Commercial Property Insurance for Art Therapy

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

What Add-Ons Are Available for Commercial Property Insurance?

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.


What is Not Covered by Commercial Property Insurance?

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.


A woman engaging in art therapy, laying on the floor in an art studio.


Business Owner’s Policy for Art Therapy

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


Business owner’s policy combines certain types of policies, like commercial property and general liability, into one package. This type of insurance policy covers incidents of customer damages as well as commercial property damages. Below are a few examples of when you might want this policy.

  • A customer slips and falls in your office and damages your property in the process. BOP would cover the costs of both damages

  • A flood ruins the art supplies stored in your commercial property

What Add-ons Can Be Introduced to a BOP?

Add-ons to a business owner’s policy are cyber liability coverage, HNOA coverage, and equipment coverage. It’s also possible to include umbrella liability coverage and customer property coverage. 


Tools and Equipment Insurance for Art Therapy

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance is an important pickup for art therapy businesses. Since the business model revolves around providing clients with art material, you will want to ensure you can cover any costs of them getting damaged or stolen. Some examples of times you will be thankful to have this policy include:

  • Art supplies get broken due to mishandling 

  • Fire or any other disaster causes art tools to get damaged

  • You accidentally damaged tools and equipment during a maintenance routine 

What is Not Covered by Tools and Equipment Insurance?

Any damage to tools due to your own negligence would not be covered by this type of insurance. Typically only events like vandalism and theft are covered. Tools and equipment insurance covers your equipment even when not on your commercial property, making it ideal for art therapists who operate in other places like schools, clients’ houses, and hospitals.


What Types of Tools Are Easily Replaced?

Any art tool or equipment that costs less than $1,500 is generally easily replaced. You may need to increase your coverage limit if you have many tools over that amount.

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Art Therapy Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $45 $540 $0-$500
Professional liability insurance $90 $1,080 $500-$1,000
Commercial property insurance $134 $1,608 $1,000-$2,000
Business owner’s policy $170 $2,040 $1,500
Tools and equipment insurance $55 $660 $500-$1,000


The average art therapy insurance cost is $45 per month or $540 per year for a $1 million general liability coverage. However, the premium you pay each month will depend on the amount of coverage you need, the risks of where you practice, and the costs of your equipment. Below is a price comparison of some of the best art therapy insurers:

Cost per Month Cost per Year Best for
NEXT $20 $240 Best overall; Fastest general liability insurance for art therapists
The Hartford $25 $300 Art therapists with specialized risks
Hiscox $30 $360 Art therapy insurance with 14-day money back guarantee
Thimble $34 $408 First-time buyers
CoverWallet $41 $492 Comparing art therapy insurance quotes online
Tivly $45 $540 Comparing art therapy insurance quotes over the phone

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Best Art Therapy Insurance Companies 

The best art therapist insurance companies offer a suite of different policies that cover things like client damages, professional liabilities, and lawsuits on the job. See our reviews of these companies below.


NEXT Art Therapy Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for art therapists

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any 

NEXT has a one-stop shop for therapists that makes them an attractive option thanks to the lower price. The company offers general liability, professional liability, commercial property, business owner’s policy, and tools & equipment insurance. These options cover the basics of what an art therapist needs to thrive in the industry.

This company has an impressive A- (excellent) rating from AM Best as well as a B+ rating from the Better Business Bureau. These ratings mean they have strong financial backing and an excellent customer satisfaction rate. They have 10% bundle discounts for art therapists who want to protect against any missed gaps in their coverage.

Best for: Best overall; Fastest general liability insurance for art therapists 

Average cost: $20 per month 

Our rating: 10/10


The Hartford Art Therapy Insurance

Pros

  • Small business-focused

  • Experience with tailoring policies based on your needs

  • Fast to handle claims

  • Quick to resolve disputes

Cons

  • Certain policies not available in some states

The Hartford is an insurance leader that offers policies that art therapists will appreciate. They have policy options for commercial property, general liability, professional liability, business owner’s property, and more. Art therapists will find that these policies offer adequate coverage for their business needs.

A great thing about The Hartford is their level of experience. They have been devoted to small business coverage for 30 years and have over 200 years of experience in the business. They were rated one of 2022’s most ethical companies by Ethisphere and have an A+ rating from AM Best. Their BBB rating is noteworthy as well, having earned an A+.

Best for: Art therapists with specialized risks

Average cost: $25 per month 

Our rating: 10/10


CoverWallet Art Therapy Insurance

Pros

  • Industry experts

  • Shop quotes with no commitments

  • Compare art therapy insurance quotes online with one click of a button

  • HNOA coverage automatically included in general liability insurance

Cons

  • Not an insurance company but an insurance broker 

CoverWallet is an online marketplace for all your insurance policies. As the name suggests, they have a dashboard that acts like your insurance wallet. They offer essential components for art therapists like general liability, professional liability, commercial property, tools & equipment insurance, and many more.

BBB gave CoverWallet an A+ rating due to its high level of customer satisfaction. The company operates in 48 different states, where they serve over 10,000 customers every year. They are an excellent option for art therapists to get connected with excellent insurance partners.

Best for: Comparing art therapy insurance quotes online 

Average cost: $41 per month 

Our rating: 10/10


Tivly Art Therapy Insurance

Pros 

  • Over 200 partners

  • Quick to answer to queries

  • Compare quotes over the phone

Cons

  • No online quotes

Tivly offers insurance solutions for art therapists with critical coverage options like business owner’s policy, commercial property, general liability, and professional liability. This company has a huge selection of partners you can get coverage from, including The Hartford. Call now to compare quotes over the phone. 

Tivly has an A rating from the BBB, making them a reliable pick for an art therapist. They don’t write policies but rather connect you with those that do. They have over 20 years of experience and are primarily online and digitally focused.

Best for: Comparing art therapy insurance quotes over the phone 

Average cost: $45 per month 

Our rating: 10/10


Thimble Art Therapy Insurance

Pros

  • Easy-to-use app

  • Online resources for first-time buyers

  • Short-term coverage available

  • Quick to issue an estimate of your rates

Cons

  • Not as many add-ons compared to other companies

Thimble offers artistic insurance packages that can be perfect for art therapists. They cover general liability, professional liability, business owner’s policy, property insurance, and business equipment insurance. The company understands that art is a passion, so they offer legal options to help protect your business from unforced errors.

The insurance company Thimble is well established. It has an A (excellent) rating from AM Best as well as an A+ rating from the BBB. They boast that 75% of their business is from first-time insurance buyers. This is thanks to their business experience catering to them through online resources and excellent customer service. They have experience with over 300 professions, meaning that art therapists have less explaining to do than with other companies.

Best for: First-time buyers

Average cost: $34 per month

Our rating: 10/10


Hiscox Art Therapy Insurance

Pros

  • Personalized policy

  • Agents have therapist experience

  • 14-day money-back guarantee

  • Worldwide coverage 

Cons

  • Doesn’t operate in Alaska

Hiscox has agents with deep experience with therapist insurance. They offer insurance packages for therapists of all types and work with you to craft a personalized policy. They offer policy options like general liability, business owner’s policy, and professional liability. Their policies have customizable limits and deductibles that ensure art therapists only pay for what they need.

Hiscox has a 14-day refund policy that takes the stress out of purchasing insurance. They have an A rating from AM Best and an A- from BBB. Their claim specialists have a quick response time, promising to return your call within a day. That same promise extends to their claim process as well. Their small business focus makes them an excellent pick for art therapists who generally don’t have a lot of employees.

Best for: Art therapy insurance with 14-day money back guarantee

Average cost: $30 per month 

Our rating: 10/10

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