L'art d'assurer
Art, Culture and Entertainment
Photo: Guy Lavigueur
L'art d'assurer
Photo: Guy Lavigueur
Members of Canadian Association of Professional Conservators (CAPC) ou du Canadian Association for Conservation of Cultural Property (CAC) can benefit from a 15%* discount. Accredited members of the International Society of Appraisers- Canadian Chapter can benefit from a 10%* discount; certified members from a 15%* discount.
Coverage for art objects entrusted for appraisal or conservation work while at your studio, at the client’s premises or in transit.
Coverage for your studio to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Business interruption covers extra expenses and loss of revenuefollowing damage to insured property.
Coverage in case of a lawsuit
Example: the owner of your rented studio sues you for damages to the building following a fire that started in your studio.
Example: An artwork appraised too low or a mistake in a treatment might cause financial damage to a client resulting in a lawsuit, whether the claim is true or alleged.
Worldwide coverage available!
*some eligibility criteria may apply.
Members of Conseil des métiers d’art du Québec can benefit from a 15%* discount*
Coverage for art objects made by you at your studio, at fairs, at exhibitions or in transit, as well as coverage for art objects entrusted to you for sale or for conservation work.
Unique basis of valuation in case of a loss: selling price less 20% for art objects made by you!
Worldwide coverage available!
Coverage for your studio to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Coverage in case of a lawsuit
Example: the owner of your rented studio sues you for damages to the building following a fire that started in your studio.
Worldwide coverage available!
Commissioned art/Public art
Worldwide coverage available!
*some eligibility criteria may apply.
Members of CARFAC and RAAV can benefit from a 15%* discount*
Coverage for artworks made by you at your studio, at fairs, at exhibitions or in transit, as well as coverage for artworks entrusted to you for sale or for conservation work.
Unique basis of valuation in case of a loss: selling price less 20% for artworks made by you!
Worldwide coverage available!
Coverage for your studio to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Coverage in case of a lawsuit
Example: the owner of your rented studio sues you for damages to the building following a fire that started in your studio.
Worldwide coverage available!
Commissioned art/Public art
Worldwide coverage available!
*some eligibility criteria may apply.
Members of le Regroupement des centres d’artistes autogérés du Québec can benefit from a 15%* discount.
Coverage for your operations
Coverage for your directors & officers because a not for profit organization, its directors and officers can be held personally and jointly liable for acts or omissions that occurred while performing their functions. Directors and officers can be held personally liable for not having adequately monitored or managed the organization. They can be held jointly responsible for acts committed by other directors and officers who sit on the same board.
The most common causes of lawsuits are:
Directors and officers liability Insurance is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.
Unique: members of RCAAQ are also insured in case of lawsuits for copyright infringement, plagiarism, libel, and interference with the right to privacy.
*some eligibility criteria may apply.
Coverage for your shop to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Business interruption covers extra expenses and loss of revenuefollowing damage to insured property.
Coverage in case of a lawsuit
Example: the owner of your rented shop sues you for damages to the building following a fire that started in your shop.
An infection, scar or allergic reaction might result in a lawsuit, whether the claim is true or alleged.
Coverage for artworks and framing material
High limits of coverage available.
Basis of valuation for artworks can be the current market value or an agreed amount between you and the owner of the artwork. Framing material is insured at replacement cost.
Coverage for your framing shop to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Business interruption covers extra expenses and loss of revenue following damage to insured property.
Coverage in case of a lawsuit
Example: the owner of your rented shop sues you for damages to the building following a fire that started in your shop.
Faulty workmanship coverage now available! Covers the cost to redo or repair work that was poorly done.
The use of the wrong type of glue might result in a financial loss for your client, such as a loss in the market value of the artwork, prompting a lawsuit.
Members of the Association of Contemporary Art Galleries can benefit from a 15%* discount.
Coverage for artworks
High limits of coverage available.
Basis of valuation for artworks can be the selling price less 20%, at cost, at cost plus 30%. Other basis of valuation are available according to the type of art you sell. Basis of valuation for artworks on consignment on the basis of the consignment agreement.
Coverage for your gallery to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Business interruption covers extra expenses and loss of revenue following damage to insured property.
Coverage in case of a lawsuit
Example: the owner of your rented shop sues you for damages to the building following a fire that started in your shop.
Example: An artwork appraised too low might cause financial damage to a client resulting in a lawsuit, whether the claim is true or alleged.
*some eligibility criteria may apply.
Members of Illustration Québec can benefit from a 15%* discount.
Coverage for your studio to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Business interruption covers extra expenses and loss of revenue following damage to insured property.
Coverage in case of a lawsuit
Example: the owner of your rented shop sues you for damages to the building following a fire that started in your shop.
An infection, scar or allergic reaction might result in a lawsuit, whether the claim is true or alleged.
Members of Conseil des métiers d’art du Québec can benefit from a 15%* discount*
Coverage for jewellery made by you at your studio, at fairs, at exhibitions or in transit, as well as coverage for art objects entrusted to you for sale, appraisal or conservation work.
Unique basis of valuation in case of a loss: selling price less 20% for art objects made by you!
Coverage for raw materials including precious metals and stones.
Worldwide coverage available!
Coverage for your studio to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Coverage in case of a lawsuit
Example: the owner of your rented studio sues you for damages to the building following a fire that started in your studio.
Example: An jewellery appraised too low or a mistake in setting a stone might cause financial damage to a client resulting in a lawsuit, whether the claim is true or alleged.
Worldwide coverage available!
*some eligibility criteria may apply.
Under Construction
General liability insurance to cover the legal costs to defend you should you be sued for having caused bodily injury or physical damage to a third party. If the Court finds you guilty of negligence, the Insurer will also pay the indemnity to the harmed person. To this we can add the following protections:
Errors & Omissions insurance because no one is immune from a lawsuit, whether it is justified or not, for having caused a financial loss resulting from a professional error. The Insurer will pay legal expenses to defend you in case of a lawsuit, and the indemnity if the Court finds you responsible for the financial loss suffered by the plaintiff. Such claims can include:
Property insurance to cover physical losses caused by fire, theft, vandalism and other.
Coverage for your inventory, at your studio, at sub-contractors premises and while in transit.
Coverage for your studio to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Business interruption to cover extra expenses and loss of revenue following damage to insured property.
General liability insurance to cover the legal costs to defend you should you be sued for having caused bodily injury or physical damage to a third party in the course of your regular activities, while at a fashion show or a fair. If the Court finds you guilty of negligence, the Insurer will also pay the indemnity to the harmed person.
Worldwide coverage available!
General liability insurance to cover the legal costs to defend you should you be sued for having caused bodily injury or physical damage to a third party. If the Court finds you guilty of negligence, the Insurer will also pay the indemnity to the harmed person. To this we can add the following protections:
Errors & Omissions insurance because no one is immune from a lawsuit, whether it is justified or not, for having caused a financial loss resulting from a professional error. The Insurer will pay legal expenses to defend you in case of a lawsuit, and the indemnity if the Court finds you responsible for the financial loss suffered by the plaintiff. Such claims can include:
Property insurance to cover physical losses caused by fire, theft, vandalism and other.
General liability insurance to cover the legal costs to defend you should you be sued for having caused bodily injury or physical damage to a third party. If the Court finds you guilty of negligence, the Insurer will also pay the indemnity to the harmed person.
Example: while visiting a new client, you accidentally break a sculpture. The owner claims it is a total loss and asks you to write a cheque for $10,000, the value of the artwork.
Errors & Omissions insurance because no one is immune from a lawsuit, whether it is justified or not, for having caused a financial loss resulting from a professional error. The Insurer will pay legal expenses to defend you in case of a lawsuit, and the indemnity if the Court finds you responsible for the financial loss suffered by the plaintiff.
Example: the caterer doesn’t show up to the event you have organized. He had the wrong date but it turns out it is your employee who made the mistake. The caterer wants to be paid and your client is suing you for not having delivered the expected service.
Property insurance to cover physical losses caused by fire, theft, vandalism and other.
General liability insurance to cover the legal costs to defend you should you be sued for having caused bodily injury or physical damage to a third party. If the Court finds you guilty of negligence, the Insurer will also pay the indemnity to the harmed person.
Example: extensions cords were installed but the taped used to secure it to the carpet didn’t uphold and one of the guests fell and broke his arm. He sues you for loss of income.
Errors & Omissions insurance because no one is immune from a lawsuit, whether it is justified or not, for having caused a financial loss resulting from a professional error. The Insurer will pay legal expenses to defend you in case of a lawsuit, and the indemnity if the Court finds you responsible for the financial loss suffered by the plaintiff.
Example: the schedule for the event was printed on time for the festival but unfortunately, one key location was forgotten, causing financial damage to that venue which sues you for loss of revenue.
Property insurance to cover physical losses caused by fire, theft, vandalism and other to your property, and of others for which you are responsible.
Coverage in case of cancellation to obtain reimbursement of costs and expenses incurred by you, that you are unable to recover should your production be necessarily cancelled, abandoned, postponed, interrupted or relocated.
Insurance for feature films, television, series, documentaries, short shoots and commercials
As a member of Media Insurance Network, we can serve our clients anywhere your production goes.
Members of canadian association of professional conservators (capc) ou du canadian association for conservation of cultural property (cac) can benefit from a 15%* discount. Accredited members of the international society of appraisers- canadian chapter can benefit from a 10%* discount; certified members from a 15%* discount.
Coverage for art objects entrusted for appraisal or conservation work while at your studio, at the client’s premises or in transit.
Available on an annual basis, or for a specific project
High limits of coverage available
Coverage for your studio to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Business interruption covers extra expenses and loss of revenue following damage to insured property.
Coverage in case of a lawsuit
Example: the owner of your rented studio sues you for damages to the building following a fire that started in your studio.
Example: an artwork appraised too low or a mistake in a treatment might cause financial damage to a client resulting in a lawsuit, whether the claim is true or alleged.
Worldwide coverage available!
*some eligibility criteria may apply.
Protections available à la carte according to your specific needs
Members of makers’ forum can benefit from a discount of up to $100*
Instruments
Unique basis of valuation in case of a loss of instruments you have made: selling price of the finished instrument!
Workshop
Covers legal costs to defend you and, if found negligent, the amount the court says you have to pay for property damage or bodily injury you have caused others.
Professional liability
No one is immune from a lawsuit, whether it is justified or not, for having caused a financial loss resulting from a professional error. Professional liability insurance, also called errors & omissions insurance provides the following protections:
Worldwide coverage available
Protect your instruments and other equipment
Whether damage, theft or loss occurs in transit, at the rehearsal studio or at the venue, your instruments and other equipment are covered at an agreed value. The coverage allows you to either replace or repair, and if needed rent instruments and equipment to keep the show going!
Protect your assets
In the event legal proceedings are brought against you alleging property damage and/or bodily injury caused by you to a third party, general liability insurance will assume your defense and, if the court finds you guilty, the insurer will pay the indemnity to the person who suffered damages.
Protect your musical ensemble’s financial stability following a performance cancellation
Should the venue be closed due to fire, flooding, vandalism, the insurer will reimburse expenses, including travel costs you have incurred in preparing for the concert.
General liability insurance to cover the legal costs to defend you should you be sued for having caused bodily injury or physical damage to a third party. If the court finds you guilty of negligence, the insurer will also pay the indemnity to the harmed person.
Example: part of a decor falls on the head of a spectator who sues you for loss of income having suffered a concussion which made him unable to work for 3 months.
Coverage for your office to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Business interruption to cover extra expenses and loss of revenue following damage to insured property.
Coverage in case of cancellation to obtain reimbursement of costs and expenses incurred by you, that you are unable to recover should your production be necessarily cancelled, abandoned, postponed, interrupted or relocated.
Directors & officers insurance. Because a not for profit organization, its directors and officers can be held personally and jointly liable for acts or omissions that occurred while performing their functions. Directors and officers can be held personally liable for not having adequately monitored or managed the organization. They can be held jointly responsible for acts committed by other directors and officers who sit on the same board.
The most common causes of lawsuits are:
Directors and officers liability insurance is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.
General liability insurance to cover the legal costs to defend you should you be sued for having caused bodily injury or physical damage to a third party. If the court finds you guilty of negligence, the insurer will also pay the indemnity to the harmed person.
Example: part of a decor falls on the head of a spectator who sues you for loss of income having suffered a concussion which made him unable to work for 3 months.
Coverage for your office to protect yourself from the financial consequences of a physical loss due to fire, theft, breakage, water damage, etc. Property insurance can cover your:
Business interruption to cover extra expenses and loss of revenue following damage to insured property.
Coverage in case of cancellation to obtain reimbursement of costs and expenses incurred by you, that you are unable to recover should your production be necessarily cancelled, abandoned, postponed, interrupted or relocated.
Directors & officers insurance. Because a not for profit organization, its directors and officers can be held personally and jointly liable for acts or omissions that occurred while performing their functions. Directors and officers can be held personally liable for not having adequately monitored or managed the organization. They can be held jointly responsible for acts committed by other directors and officers who sit on the same board.
The most common causes of lawsuits are:
Directors and officers liability insurance is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.
Please contact us for more information.