What type of insurance do artists need?

What type of insurance artists need includes several coverages for studio, artwork, liability, and health. Type of insurance artists need, with artists including painters, sculptors, and visual artists working in studios and exhibiting, needs insurance including fine art insurance or inland marine insurance covering artwork against damage, theft, and loss in studio, in transit, and at exhibitions, with coverage for replacement value, and general liability insurance covering bodily injury and property damage to third parties if someone injured in studio or at exhibition, with limits typically $1 million per occurrence, and professional liability or errors and omissions if providing commissioned work, and business property insurance covering studio equipment, tools, and supplies like easels, kilns, and computers against fire and theft, and business interruption covering lost income if studio closed due to covered peril, and health insurance for medical costs, and if selling at art fairs, vendor liability and event insurance, with many artist organizations like Artists Trust offering group insurance. Fine art insurance premium around 1 to 2 percent of artwork value per year, general liability around $300 to $600 per year for small studio. So artists need fine art insurance for artwork, general liability for injury claims, business property for studio equipment, business interruption for lost income, and health insurance, with fine art and general liability being most important for protecting artwork and liability.