Insurances
Below you can read more about which insurance you are automatically covered by as a member of the Visual Artists Association, as well as about other insurances you should consider taking out as a visual artist.
Collective business and product liability insurance
As a member of the Association of Visual Artists, you are covered by collective professional liability and product liability insurance with the insurance company TRYG.
Nail-to-nail - exhibition insurance
In connection with exhibitions, a so-called 'nail-to-nail' insurance must typically be made. This insurance covers the work from the time it leaves the artist's workshop until it is returned. This insurance should be paid by the venue.
Commercial insurance
It is necessary to make a commercial or business insurance if you want to protect yourself against the loss of your works, materials, machines, etc.
Ordinary contents insurance does not cover your business, but only your private contents. The scale of your artistic business determines whether it pays to insure your work.
Business insurance typically includes cover for the following conditions, but can otherwise be combined as needed:
- Brand
- Theft
- Water damage
- Operating loss
- Responsibility
The compensation must, as a general rule, treat the policyholder as if the damage had not occurred. Materials and raw materials are generally replaced at replacement cost, while works and machinery are fixed at catalog price/new price.
When works are damaged, a dispute often arises as to whether it is possible to carry out repairs if the works are not completely damaged.
At exhibitions, it is important to make sure that the works are insured for the catalog price. The written exhibition or commission agreement should contain a passage to this effect. Transport insurance should also be taken out, see above under nail-to-nail.
Artikler's report
- News, Misc
Member has been required to pay full tax on a production grant from the Statens Kunstfond.
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