Liability Insurance for Artist - Sculptor?

[Zacha341]

Hello Detroityes community. I know a sculptor seeking personal liability insurance and find the rates astronomical as he is a resident in Detroit [[recently relocated here), his studio in the city as well. He has to acquire a policy to work out of state and for commission/ installation purposes.

Any companies out there with competitive rates for such? Thanks much...

[MidTownMs]

I wish I could help. I didn't get a decent insurance rate of any kind until I left Michigan.

[EastsideAl]

Michigan is unreasonably high for all kinds of insurance, and the City of Detroit even more so. I feel that it's a very significant deterrent to economic, property value, and population growth. But as long as we keep electing Republicans [[and Democrats, for that matter) to Lansing who receive heavy backing from the insurance industry rates are highly unlikely to be meaningfully regulated or to come down.

[PaulGall]

He should look into incorporating his business.

[gvidas]

Fractured Atlas [[http://www.fracturedatlas.org/) is a non-profit specializing in liability insurance for hard-to-insure art [[public art, performance, etc) and artists in general. You have to become a member to get a quote [[$100), but it's refundable in full for 90 days. I've received quotes from them for business conducted out of a studio in Detroit, and found them to be quite reasonable.

[Hamtragedy]

I carry $1M liability as a painter, but I'm also an LLC. Annual comes to @ 1400/yr. Workers Comp I get billed at about $14.60 per $100.

[Zacha341]

Thank you so much everyone for your input and ideas. I appreciate it...... Z341