What is the best insurance for artists?

What is the best insurance for artists in Australia in 2025-2026 depends on your practice, but best overall value for professional artists is NAVA insurance via Aon, because it is tailored for artists, widely accepted by galleries and councils, and includes public liability plus artwork cover. NAVA National Association for Visual Arts offers package via Aon that includes $20M public liability required for exhibitions, markets and public art commissions, $50K to $100K cover for artworks, equipment and materials in studio, transit and exhibition, plus personal accident, for about $400 to $700 per year for turnover under $100K. For best for collectors and high-value artists with collection over $100K, Chubb Masterpiece is best, offering agreed value, wall-to-wall, restoration, depreciation and worldwide cover at 0.5% to 1% of value. For best for emerging artists selling at markets and online, Duck for Cover offers $10M to $20M public liability plus $20K property and transit for $350 to $550 per year, easy online. For best for commercial galleries and artists with employees, Guild Insurance and AON offer business pack with public liability, product liability, professional indemnity and property. For best for teaching artists, include teaching liability. Overall, for most Australian artists, NAVA via Aon is best because it meets council requirements, includes fine art cover and is tax-deductible, with additional option to add professional indemnity for commissioned work. Always compare excess and transit limits.