Insurance for freelancers?
Hi all,
I have a time sensitive question about insurance, and any advice is appreciated!
I’m just starting out in mountmaking, and I’ve taken a few freelance jobs doing acrylic book cradles. I was covered by the last place I worked, but now I’m getting more requests from private clients (which is awesome!) but I don’t really make enough yet to justify a yearly insurance policy of ~$600.
I have some requests for jobs in the next few months, so I need to get coverage fairly quickly.
Does anyone know of a project-based insurance solution for this? I know other types of jobs have event insurance, but obviously mountmaking requires a level of coverage and it’s super specific.
(Right now I’m only doing acrylic, and only working on site, not at my home/studio, so at least that’s not an issue)
I reached out to the Hartford a while back, and they said they couldn’t give me a quote because I’m not doing enough jobs year round.
If I can’t find my own insurance, does anyone have experience with the Art Handler Network, or other companies that act as an umbrella for contractors, and would you recommend it?
Thanks everyone!
Anna Nelson
Are these jobs at museums or private collectors? The former would typically need a COI for any contract work involving collection objects.
Private collectors you can possibly use a release of liability contract as their objects should be insured. Make sure their insurance covers travel as well if youre taking objects back to your studio.
Hartford is the brokerage I use and I modeled my coverage after a conservator colleagues policy. Happy to share that with you for specifics if it helps.