Looking for Independent Artists, Writers, and Performers Insurance?
Protect your creative business from liability claims, equipment damage, copyright disputes, and performance cancellations. Get coverage designed for artists, writers, musicians, and independent performers.
What is Independent Artists, Writers, and Performers Insurance?
Independent artist and performer insurance protects creative professionals from financial losses related to performances, exhibitions, equipment damage, copyright disputes, and contractual claims. Coverage commonly includes general liability, professional liability, and equipment protection. Venues, galleries, publishers, and clients often require proof of insurance before shows, exhibitions, or creative contracts.
Performance Liability
Covers bodily injury or property damage claims arising from live performances, exhibitions, readings, or public appearances.
Equipment Protection
Covers instruments, computers, cameras, art supplies, and creative tools against theft, loss, or accidental damage.
Professional Liability
Protects against claims involving copyright infringement, contract disputes, licensing issues, or alleged creative errors.
Inland Marine Coverage
Extends protection for equipment while traveling to performances, exhibitions, studios, or client locations.
Certificates
Fast proof of insurance for venues, galleries, publishers, and event organizers.
Who Needs Independent Artists, Writers, and Performers Insurance?
- Independent artists : Businesses requiring specialized insurance coverage
- Writers and authors : Businesses requiring specialized insurance coverage
- Musicians and performers : Businesses requiring specialized insurance coverage
- Creative freelancers : Businesses requiring specialized insurance coverage
Why Harper?
Creative Industry Understanding
Harper understands the realities of creative work, live performances, borrowed venues, expensive equipment, and intellectual property exposure.
Fast Proof for Venues and Clients
Galleries, venues, and publishers often require certificates before contracts or bookings. Harper delivers them quickly to keep projects moving.
Clear, Practical Coverage Guidance
We explain liability, copyright protection, and equipment coverage in plain language, no industry jargon or guesswork.
Coverage Matched to Your Creative Work
Whether you’re a visual artist, writer, musician, or performer, coverage aligns with how and where you create and perform.
Frequently Asked Questions
What insurance do creative professionals need?
Most creatives need general liability for public events, exhibitions, or performances; equipment coverage for tools and instruments; and professional liability for contract or intellectual property work. Digital creators may also need cyber liability.
Is creative insurance required?
Insurance is not legally required, but venues, galleries, publishers, and clients frequently require proof of liability coverage before approving performances, exhibitions, or contracts.
How much does creative insurance cost?
Solo creatives typically pay $300–$1,000 annually. Performers with high-value equipment or frequent live events may pay $1,000–$3,000+.
Does insurance cover equipment theft or damage?
Yes. Equipment or inland marine coverage protects instruments, computers, cameras, and art supplies from theft or accidental damage, including while traveling.
Does insurance cover copyright claims?
Professional liability can help cover legal defense costs related to copyright or intellectual property claims when reasonable efforts were made to secure rights or licenses.
Can venues be added as additional insureds?
Yes. Performance and exhibition contracts often require this. Harper handles certificates and endorsements quickly.