Are you a crafter or seller involved in the pottery industry? It's essential to protect your business from potential risks and liabilities. Pottery insurance helps pottery business owners by safeguarding the from potential risks and liabilities. Whether you operate a pottery studio or sell pottery products, having the right insurance coverage can give you peace of mind and financial security.
This article explores various insurance policies tailored for potters and provides insights on costs, coverage, and reputable insurance companies to consider.
| 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 |
This is a crucial policy that provides coverage for common risks and accidents associated with pottery businesses. This insurance protects you from financial losses from bodily injury, property damage, or personal injury claims against your pottery studio or business. With general liability insurance, you can focus on your craft and artistic expression while knowing you have protection against unforeseen circumstances.
Coverage limits for general liability insurance typically start at $1 million per occurrence and $2 million aggregate per month. This insurance can assist you in various situations such as:
Accidental slips and falls by customers visiting your pottery studio
Damage to third-party property caused by your pottery products or operations
Bodily injuries to customers or visitors resulting from accidents in your pottery studio
Legal claims alleging defamation or copyright infringement related to your pottery business
Product liability claims arising from defects or injuries caused by your pottery products
Product liability coverage–As a potter, if a customer claims that your pottery product caused them harm or injury, product liability coverage can protect you. It covers legal fees, medical expenses, and potential settlements related to product-related claims
Regardless of the size of your pottery studio, liability insurance is crucial. Accidents and incidents can happen at any time, and without insurance, you may be held personally liable for damages or injuries.
Does General Liability Insurance Cover Me if I Sell My Pottery Products Online?
This type of pottery liability insurance extends coverage to both physical and online sales.
Product liability insurance is designed to safeguard pottery businesses from claims arising from their products. If a customer alleges that your product caused harm, injury, or property damage, product liability insurance covers legal expenses, medical costs, and potential settlements.
Coverage limits for product liability insurance typically range from $1 million to $5 million per occurrence, depending on the policy and your pottery insurance provider. This insurance can help in situations such as:
Injuries caused by defective pottery products sold by your business
Allergic reactions or health issues resulting from the use of your pottery products
Design flaws or manufacturing defects in your pottery items leading to injuries
Failure to provide proper warnings or instructions about potential hazards associated with your pottery products
Product liability insurance is essential for all businesses involved in the pottery industry, including manufacturers, retailers, wholesalers, and even individual potters. It protects against claims arising from your pottery products, regardless of your role in the supply chain.
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| 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 |
This policy covers physical assets, such as your building, equipment, tools, inventory, and supplies. In the event of covered perils like fire, theft, or vandalism, the insurance ensures you can recover financially and resume operations smoothly.
Coverage limits for commercial property insurance vary based on the value of your property and assets. Typically, policies start with coverage limits ranging from $100,000 to several million dollar. The insurance can help you in situations such as:
Fire or smoke damage to your pottery studio and its contents
Theft or vandalism resulting in the loss or damage of pottery equipment and inventory
Damage caused by natural disasters such as storms, floods, or earthquakes
Business interruption due to property damage, leading to loss of income and additional expenses
Business interruption coverage–In the event of a covered loss that forces your pottery studio to suspend operations, the coverage can provide financial support by covering lost income and ongoing expenses during the downtime
Equipment breakdown coverage–Pottery studios rely heavily on specialized equipment. Equipment breakdown coverage can protect you from the costs of repairs or replacements if your pottery kilns, wheels, or other essential equipment break down unexpectedly
Commercial property insurance may cover your pottery inventory stored off-site depending on your pottery insurance policy. It's crucial to check with your insurance provider and consider adding specific coverage for off-premises inventory if necessary.
| 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 |
A business owner's policy (BOP) is a comprehensive insurance package designed for small to medium-sized pottery businesses. It combines general liability and commercial property insurance into a single policy, offering convenience and cost savings.
Coverage limits for a BOP vary depending on your business needs and your chosen insurance provider. Typical coverage limits start at $1 million per occurrence for general liability. Commercial property coverage, on the other hand, is $100,000. This insurance can help in situations such as:
Business interruption due to unforeseen events, such as a power outage or equipment failure
Loss of income and extra expenses incurred during the repair or restoration of your pottery studio
Damage to your business records or important documents
Liability claims arising from advertising injuries or copyright infringement
Cyber liability insurance–In today's digital world, protecting your pottery business from cyber threats is essential. Cyber liability insurance helps cover the costs associated with data breaches, cyberattacks, and related legal obligations
Flood insurance–This endorsement can be used to cover the repair or replacement of business assets that got damaged or destroyed due to coastal surge, flash floods, and other related perils
You can typically customize the coverage limits of a Business Owner's Policy to align with your pottery business's requirements. Discuss your specific needs with your pottery studio insurance provider to ensure you get the best from them.
| 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 |
The insurance protects your pottery studios' valuable tools and equipment. This policy covers repairing, replacing, or reimbursing your pottery-specific tools, such as kilns, wheels, hand tools, and other specialized equipment.
The coverage limit range varies based on the value and quantity of your pottery tools and equipment, typically ranging from $10,000 to $100,000 or more. This insurance can help in situations such as:
Theft or damage to pottery tools, kilns, wheels, and other equipment
Accidental breakage or loss of specialized pottery tools
Equipment breakdown or mechanical failures impacting your pottery production
Damage to molds, brushes, glazing equipment, and other pottery supplies
Loss or damage of materials used in pottery production, such as clay or glazes
Inland marine coverage–This coverage extends protection for your tools and equipment beyond your pottery studio’s premises. It can cover your items while transported or used off-sites, such as during exhibitions or workshops
Rental equipment coverage–If you rent additional tools or equipment for specific projects or events, adding this coverage ensures that those rented items are also protected against damage or theft
While general liability and commercial property insurance cover different aspects of your pottery business, they may not provide specific coverage for your tools and equipment. Tools and equipment insurance is tailored to protect the valuable items used in pottery, ensuring you have dedicated coverage for their repair or replacement.
Workers' compensation insurance is vital if you have employees working in your pottery studio or business. This policy covers medical expenses, lost wages, and rehabilitation costs for employees who suffer work-related injuries or illnesses.
Coverage limits for workers' compensation insurance vary based on state requirements and your number of employees. The coverage is usually provided through statutory limits defined by the state. This insurance can help in situations and incidents such as:
An employee suffers from respiratory issues or occupational illnesses due to exposure to pottery materials or chemicals
If an employee experiences a workplace accident, such as getting hit by falling objects or being caught in machinery
Voluntary compensation coverage–If you have independent contractors or freelance artists working in your pottery studio, adding voluntary compensation coverage can extend benefits similar to workers' compensation to these individuals, providing them with coverage in case of work-related injuries
Occupational accident coverage–This is an alternative option to traditional workers' compensation insurance. It provides some benefits for work-related injuries but may offer more flexibility and cost savings for certain situations
Most employees, including full-time, part-time, and temporary workers, are covered by workers' compensation insurance. However, coverage requirements can vary by jurisdiction and may have specific exemptions. Consult with your insurance provider to ensure compliance with local regulations.
The insurance premiums are typically calculated based on factors such as the number of employees, their job classifications, and the risk level associated with pottery operations. Your pottery insurance provider will assess these factors to determine the appropriate premium amount.
Excess liability insurance provides an additional layer of liability protection above and beyond the limits of your primary liability policies, such as general liability and product liability insurance. It acts as a safety net, offering higher coverage limits to protect your pottery business from catastrophic liability claims. Coverage limits for excess liability insurance typically start at $1 million and can extend to $3 million, depending on your specific needs and the pottery insurance provider.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General Liability Insurance | $35 | $420 | $0-$500 |
| Excess liability insurance | $48 | $576 | $1,000-$2,000 |
| Commercial property insurance | $50 | $600 | |
| Business owner’s policy | $85 | $1,020 | $1,500 |
| Tools and equipment insurance | $37 | $444 | $1,000-$2,000 |
| Workers compensation insurance | $90 | $1,080 | $2,000-$5,000 |
The average pottery insurance cost is $35 per month or $420 per year for a $1 million general liability policy. Your actual rate may be the same or different depending on
Coverage types–The specific insurance policies you choose, such as general liability, product liability, commercial property, etc., will impact the overall cost
Coverage limits–Higher coverage limits will generally result in higher premiums
Business size–The size and scale of your pottery business, including the number of employees and the value of your assets, can affect the premiums for pottery studio insurance
Business location–The location of your pottery studio or business can impact the insurance cost due to regional factors, such as local laws, crime rates, and property values
Claim history–Your past claims history can influence the insurance cost. A history of frequent or high-value claims may lead to higher premiums
To get an accurate cost estimate for pottery insurance, it's recommended to request quotes from reputable companies. Here’s a table showing the cost of a $1 million general liability policy from the recommended carriers:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $18 | $216 | Best overall; Fastest general liability insurance for potteries |
| CoverWallet | $20 | $240 | Comparing pottery insurance quotes online |
| The Hartford | $22 | $264 | Established pottery businesses with complex insurance needs and a preference for personalized service |
| Tivly | $24 | $288 | Comparing pottery insurance quotes over the phone |
| Thimble | $26 | $312 | On-demand coverage for potteries |
| Hiscox | $28 | $336 | Pottery businesses with higher coverage needs and a preference for comprehensive liability protection |
Get all the best quotes from leading providers in a click of a button!
Below are some top companies you should consider for your pottery business. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy.
Cheap quotes from numerous carriers
24/7 client service and online policy management
Excellent customer service
Comfortable compensation options
No cancellation fees
Not available in all states
If you're looking for instant insurance online at reasonable rates, NEXT Insurance is a top choice. They provide affordable quotes from numerous carriers, ensuring you get the best coverage options.
Best for: Best overall; Fastest general liability insurance for potteries
Average cost: $18 per month
Our rating: 10/10
Simple and streamlined online application process
Wide range of coverage options
Dedicated support from licensed insurance advisors
Competitive pricing
Convenient policy management through an online portal
Not an insurance company but an insurance broker
When it comes to simplifying the insurance purchasing process, CoverWallet is your go-to option. They understand that as a pottery business owner, you need a streamlined approach to insurance. CoverWallet offers a user-friendly platform that allows you to compare quotes easily and select the right coverage for your needs.
Best for: Comparing pottery insurance quotes online
Average cost: $20 per month
Our rating: 10/10
A trusted and reputable insurance provider
Comprehensive coverage tailored for pottery businesses
Specialized risk management solutions
Excellent financial strength and stability
Variety of optional coverages to customize your policy
Premium rates may be higher compared to some competitors
If you have an established pottery business with complex insurance needs, The Hartford is the company for you. They specialize in providing comprehensive insurance solutions tailored to your specific requirements. With personalized service and guidance throughout the insurance process, The Hartford ensures that your pottery business is well protected
Best for: Established pottery businesses with complex insurance needs and a preference for personalized service
Average cost: $22 per month
Our rating: 10/10
Has affordable insurance solutions
Getting a quote with Tivly is fast and easy
Easy policy management
Limited availability
When it comes to specialized coverage for pottery businesses, Tivly is the ideal choice. They understand the unique risks and challenges you face and provide insurance options designed specifically for potters. Call now to compare quotes over the phone.
Best for: Comparing pottery insurance quotes over the phone
Average cost: $24 per month
Our rating: 9/10
The possibility to buy coverage for your business for a brief duration, such as 1 month, 1 day, or even just 1 hour
They are financially stable
Instant policy issuance
May not be as comprehensive as some other providers.
Thimble offers on-demand coverage, allowing you to purchase insurance for specific projects or time periods. With their streamlined online platform and mobile app, you can easily manage your policy and enjoy the convenience of flexible coverage.
Best for: On-demand coverage for potteries
Average cost: $26 per month
Our rating: 9/10
Specialized insurance coverage for artisans and crafters
Tailored policies to meet the unique needs of pottery businesses
High financial strength ratings
Responsive and knowledgeable customer service
Flexible coverage options and customizable policies
Higher pricing
Over the years, Hiscox has grown into a global provider of specialized insurance solutions, serving individuals and businesses in various industries. Today, Hiscox operates in multiple countries and has become a trusted name in the insurance industry.
Best for: Pottery businesses with higher coverage needs and a preference for comprehensive liability protection
Average cost: $28 per month
Our rating: 9/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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