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

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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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)ThimbleHiscoxThe 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

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 
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes

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 NEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan 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

CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded

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.