How much public liability insurance costs for an artist in Australia in 2025-2026 is relatively affordable, typically $300 to $800 per year depending on cover level, turnover and activities. For $5M public liability, which is minimum required by some markets, cost is $250 to $400 per year. For $10M public liability, which is standard required by most galleries, markets and councils, cost is $300 to $550 per year for sole trader artist with turnover under $100K and no employees. For $20M public liability, which is required by many local councils for public art commissions, festivals and teaching in community centres, cost is $400 to $750 per year. If you also need product liability for selling ceramics, candles or jewellery that could injure someone, add $100 to $200. If you teach workshops, include teaching liability, adds $50 to $150. Providers include NAVA insurance via Aon, which offers artist package $10M public liability plus $50K artwork and equipment cover for about $400 per year, Duck for Cover from $350 per year for $10M, Guild Insurance from $350, and Aon direct from $400. If you have high turnover over $200K, employ assistants, or do large installations, premium may be $800 to $1,200 per year. Compared to potential claim of $50K to $500K if someone trips over sculpture or market stall injures visitor, $300 to $600 per year is good value and often tax-deductible as business expense.
1 votes
Marked as accepted