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Art studios serve as locations for artists to work on their projects. Classes may also be held for other artists and aspiring artists. An art studio may be a small space that one artist visits regularly to work on his or her art, or it may be a large building where multiple art classes are held. An art studio may be entirely devoted to one medium, such as pottery or painting, or it may a space where many types of art are created.

General Liability Insurance for Art Studios Including Art Lessons – Teachers should be carefully hired with thorough criminal background and reference checks. Artwork, easels, and other displays at art studios should be stable in order to prevent toppling or tip over hazards. Furniture should be adequately spaced for walking. Desks should be sturdy and defect free. Paint spills or other slip and fall hazards should be corrected immediately to prevent injuries from occurring to students and other visitors. Art studios should be well ventilated when using oils, paints, and other fume producing materials.

Workers’ Compensation Insurance for Art Studios Including Art Lessons – Employees of art studios may be injured from repetitive motions while painting or doing other artwork. Employees should take occasional breaks to prevent such injuries. Breathing related problems may also result from the strong fumes emitted from some paints and oils. Adequate ventilation should be provided to protect against such injuries.

Business Auto Insurance for Art Studios Including Art Lessons – Employees of art studios may occasionally drive to art shows or other related events. A non-owned exposure will exist as a result. Any employee who drives for business related purposes should have an acceptable driving record. The frequency and radius of travel will impact the business auto risks.

Property Insurance for Art Studios Including Art Lessons – Flammable products such as paints and oils should be used with caution and properly stored in a special cabinet. Excess paint and oil products should be stored away from the studio in order to prevent fire risks. The building should be equipped with smoke detectors, fire alarms, and fire extinguishers. If neighboring businesses are connected to the art studio, firewalls should be in place.

Crime Insurance for Art Studios Including Art Lessons – Dishonest employees may steal artwork or supplies from the art studio. Inventory should be counted often to reduce the potential for employee theft. A countersignature should be required on all issued checks.