Artist Program

When it comes to insurance, not all policies are the same.  The Brower Artist and Craft Artist Insurance Program was designed to meet the specific needs of those in the arts and crafts industry.

One way we are able to save artists money on business insurance is to minimize administrative costs.  To do this, we have a set renewal period and within that, quarterly probation periods.  With this policy, we also do not have the option for monthly, quarterly, or semi-annual payments.  If this is important to you, we can write a conventional business insurance policy with a payment schedule, but the premium will probably not be as low as with this plan.

Online Application
Please note:  The master policy runs from 10/1-10/1 of each year, but enrollment is available anytime throughout the year.  Premiums may be pro-rated depending upon enrollment date.

2014 - 2015 Brower Artist and Craft Artist Insurance Program Brochure

2014 - 2015 Brower Artist and Craft Artist Insurance Program Application (Hard Copy)
Please print and mail this application if paying by check.  Otherwise, please complete the online application above.

Frequently Asked Questions

Q: What are my coverage options?

A: You have your choice of three limits of liability and six property amounts. You must choose one limit for liability and one for property. You also have the opportunity to increase your transit and exhibition coverage via the optional endorsement. Increasing your coverage limits may be done at any time after enrollment.

Q: What are my payment options?

A: 
You currently have the option of paying your premium by check or money order.  We are in the process of setting up an online payment option, which we hope to have available to you very soon.

Q: What is a Certificate of Insurance?

A: Some of the shows and exhibitions in which you participate may require proof that you carry liability insurance. We will issue your Certificate of Insurance as evidence of coverage (free of charge) as many times as necessary during the policy term, including listing the show as an Additional Insured if required.

Q: How do I get my Certificate of Insurance?

A: You simply need to call or email with the information for the show and we can process the certificate. When you enroll, you will also be given your own login and password to our website where you can complete your own certificates if you wish. In order to process the certificate, the following information is needed: name and address of the show/festival/exhibit, the dates you are arriving at the show and leaving, and the names of any Additional Insureds, if appropriate, with contact information where the certificate should be sent.

Q: What is my deductible?

A: Your deductible is the amount that you are responsible for paying in the event of a loss before the insurance company pays its portion. Please refer to the enclosed pricing sheet for deductibles at each coverage level.

Q: What is the per-item maximum?

A: Each property option has a per-item maximum. This means that for each individual item damaged in your loss, the insurance company will pay a maximum dollar amount. For example: if you purchase option #1 for property ($10,000) and a windstorm causes damage while you are at a show knocking over several of your art pieces, the most the insurance company will pay is $1,000 per piece of artwork and no more than $10,000 for the entire loss. Please refer to the enclosed pricing sheet for the per- item maximum at each coverage level.

Q: Is my business property covered while I am on the road or at a show?

A: Yes. Each property coverage has a $5,000 transit limit and $10,000 exhibition limit (exhibition includes any off-premises location) with the option to purchase an additional $5,000 in transit and $15,000 at exhibitions.

Q: What is not covered by this policy?

A: This policy does not cover your building; only your contents inside! It doesn't provide coverage for your business auto, workers compensation, employee dishonesty or loss of business income*. If any of these coverages are necessary, please contact us and we will gladly customize an individual insurance policy just for you.

* For a complete description of coverage, please refer to the policy terms and conditions.