Professional artists definitely need liability insurance, particularly if they operate physical public studios, host gallery exhibitions, teach hands-on art classes, or sell their creations at crowded art fairs and public markets. A comprehensive commercial general liability (CGL) policy protects artists against financial losses if a visitor slips and falls on their premises, or if a customer suffers an allergic reaction or injury from handling art materials or finished sculptures. Without liability protection, an unexpected visitor accident can result in devastating out-of-pocket lawsuits and legal judgments.
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