Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 21, 2026.
GENERAL LIABILITY
Independent Artists, Writers, and Performers $21/month for general liability
WHY IT MATTERS
Why Independent Artists, Writers, and Performers need business insurance
Creative work can involve clients, audiences, deadlines, equipment, and changing work locations. Business insurance can address covered claims arising from these everyday exposures.
SCENARIO 1
A guest is injured
A visitor trips over a cable during a studio session and alleges an injury. General liability insurance may help with a covered third-party claim, subject to policy terms.
SCENARIO 2
A client disputes the work
A client alleges that a missed requirement in a creative project caused a financial loss. Professional liability/errors and omissions coverage may address a covered allegation and related defense.
SCENARIO 3
Equipment is damaged
A water leak damages insured computers or production equipment at a workspace. Property coverage may help with covered repair or replacement costs.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Type of creative work
Live performances, physical installations, and public events may produce higher liability exposure than work performed entirely at a desk, which can affect the quote.
Public and client interaction
Frequent contact with audiences, customers, or visitors may increase the chance of a third-party claim and lead to higher quoted costs.
Employees and payroll
Adding employees or increasing payroll can raise the quoted cost of workers' compensation coverage.
Equipment and property value
More equipment or higher replacement values can increase the quoted cost of property coverage.
Coverage selections
Broader coverage, higher limits, and lower deductibles can increase quoted costs, while narrower selections may leave more risk with the business.
Claims history
Prior claims may increase quoted costs or affect available coverage terms, depending on their type and frequency.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
Rates and requirements vary by state and by carrier, so the details of where and how you work matter.
Primary business location
The state tied to your business can affect coverage requirements, classifications, and available policy terms.
Work across state lines
Traveling or completing projects in multiple states may change how operations, employees, or temporary locations are listed on a policy.
Venue and client contracts
Venues, landlords, and clients may set their own coverage, limit, or certificate terms based on the work being performed.
324
Quotes analyzed
41
States represented
5
Coverage lines
BEST RATE
How to get the best rate
Describe your work precisely
List your services, performance settings, project types, and level of public interaction so the quote reflects your actual operations.
Update business records
Gather current revenue, payroll, employee, equipment, and claims information before requesting a quote.
Review your contracts
Check client, venue, and lease agreements for required coverage, limits, and additional insured terms.
Document risk controls
Keep records of equipment security, workspace safety, written client approvals, and project review procedures.
FAQ
Common questions
What types of business insurance are available for independent artists, writers, and performers?
Tivly quote data for this industry includes general liability insurance, workers' compensation, professional liability/errors and omissions, Business Owners Policy coverage, and property coverage. The appropriate mix depends on your services, equipment, workforce, and contracts.
Does general liability insurance cover creative mistakes or missed deadlines?
Usually not. General liability insurance generally addresses covered third-party injury or property damage claims, while professional liability/errors and omissions coverage may address allegations involving professional services, mistakes, or missed requirements.
Do independent artists, writers, and performers need workers' compensation?
It depends on the workforce and applicable requirements. Requirements vary by state and by carrier, and contracts may also affect what coverage a business needs.
Can business insurance cover creative equipment?
Property coverage may protect insured equipment against covered causes of loss. Coverage depends on where the equipment is kept or used, how it is valued, and the policy's terms and exclusions.
What information is needed to request a business insurance quote?
Be ready to describe your services, work locations, revenue, payroll, employees, equipment, prior claims, and requested coverage. Client, venue, and lease requirements can also help determine suitable policy terms.