Art School Insurance California

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Art School Insurance California Policy Information

CA Art School Insurance

Art School Insurance California. Painters, sculptors, actors, singers, and more; artists of all types often opt to attend art school in order to perfect their craft. As an art school operator, while you provide invaluable services to the students who attend the programs you offer, you face numerous risks.

In order to protect your business, your students, and anyone else who interacts with your school – as well as yourself – having the right type of art school insurance California is an absolute must.

Art schools specialize in the study of drawing, painting, sculpture, ceramics, photography, printing, silk-screening, and computer imaging. Some provide enrichment opportunities for elementary or secondary students while others offer two or four-year degrees in a college or university environment.

They may be publicly funded from state and federal tax dollars or privately funded through donations, particularly donations from alumni. Additional funding comes from tuition, fees, bookstores, admissions to cultural events, fundraisers, and licensing of miscellaneous goods and apparel bearing the institution's name or logo.

Why do CA art schools need to be insured? What kind of insurance do these facilities need? Read on to find out the answers to these questions and more.

Art school insurance California protects your education business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Why Do Art Schools Need Insurance?

The owners and operators of art schools face many of the same risks that business owners in all industries face; however, they also face additional risks that are unique to their business. Examples of some of the issues that may arise include:

  • Cybercrimes
  • Damage to your art school caused by a natural disaster, theft, or vandalism
  • Employee injuries
  • Lawsuits
  • Loss of income as a result of forced closures
  • Third-party injuries

These are just a few of the examples of issues that could arise. As the owner and operator of your school, you are liable for any issues that may arise – including the costs that are associated with those issues. That's why having the right type of art school insurance California coverage is so important.

If you aren't properly insured, you'll end up having to pay the exorbitant costs that are related to any mishaps or problems out of your own pocket, which could end up putting you in financial ruin; however, if you are properly insured, instead of paying the costs yourself, your carrier will cover them for you.

In addition to the financial protection that art school insurance California provides, having the right coverage ensures that you are complaint with the law. Art schools are legally required to carry certain types of insurance.

If you fail to have the necessary policies in place, you could end up being hit with stiff penalties, could face legal issues, and there's even a chance that your CA school could be shut down.

What Type Of Insurance Do Art Schools Need?

There are several types of art school insurance California coverage that art schools need to carry. The specific types of policies you'll require depend on several factors, such as where your facility is located, the size of your school, and the specific services you offer.

In order to find out exactly what type of art school insurance {State coverage you'll need, speaking with an experienced and reputable insurance agent is highly recommended.

Examples of some of the protections that CA art schools will should have in place include:

  • General Liability: This type of coverage protects you from third-party liability claims that are related to personal injuries and property damage. For instance, if a student claims that you or a staff member of your art school damaged their work and files a lawsuit against you, this insurance would help to cover the cost of your legal defense fees, as well as any settlements that may be associated with the case.
  • Commercial Property: If your school is damaged in an act of nature, vandalism, or theft, commercial property insurance will help to cover the cost of any repairs or losses that you may experience. For instance, if a fire were to break out in your facility, your insurer will help to pay for any repairs and will reimburse you for anything that is damaged and can't be repaired.
  • Workers' Compensation: To protect your employees from work-related injuries or illnesses, you'll need to carry a workers' compensation policy. If a staff member, such as a teacher or an administrative assistance, were to sustain an injury while working, this insurance would help to pay for their medical care, and it would compensate them for any wages that they would lose if they are unable to work while recovering.
  • Errors And Omissions (E&O): Also known as professional liability insurance, E&O protects your school, your employees, and any other professionals who are associated with your facility against claims that are related to negligent actions or inadequate work. For instance, if a student claims that a teacher failed to provide them with the instruction that your school advertised, this policy would help to cover legal expenses and settlements.

These policies are just a few examples of the type of art school insurance California you'll need to carry as the owner and operator of an CA art school.

CA Art School's Risks & Exposures

Premises liability exposures are high due to the age and number of students and visitors on premises. The adult/student ratio should be low enough to permit adequate supervision. Classrooms should be arranged so instructors can see students at all times.

Furnishings and equipment must be well maintained to prevent injury to students. Flooring should have nonskid surfaces. Slips and falls can be prevented with good housekeeping and by maintaining floor coverings in good condition, with no frayed or worn spots on carpet and no cracks or holes in flooring, and prompt cleanup of spills.

Sufficient exits must be provided and be well marked, with backup lighting systems in case of power failure. Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. High levels of noise can result in hearing impairment.

Procedures for all emergencies should be posted, with employees trained to use them. Evacuation drills should be practiced on a regular basis. Security issues are becoming more critical in educational settings. Access to the building must be limited during the hours of operation to prevent unauthorized access, students escaping, or kidnapping.

If there are dormitories, supervisors' references must be verified, including a criminal background check. There should be hard-wired smoke detectors in each living unit.

Immunizations should be required for each student, along with an emergency medical contact. There should be written policies regarding when a student is too ill to attend class, and when the facility will contact parents or medical emergency providers in the event of illness or an accident.

If the college has an on-premises medical clinic or police staff, professional liability coverage may be needed. Off-premises exposures can include art exhibitions, field trips, class trips, overseas semesters, and research and development activities.

Personal and advertising injury exposures include allegations of discrimination, failure to prevent intimidation, humiliation, hazing or bullying by instructors or other students, false arrest or detention, invasion of privacy, slander, and libel from publishing activities, unauthorized or intrusive searches, and wrongful expulsion.

Exposures may also arise from professor publications, including "research stealing and disputes," or copyright or patent infringement. Written procedures should be in place regarding how the school will intervene when a person is accused of being engaged in any of these.

Abuse and molestation exposure is higher if the art school instructs elementary or secondary level students. No coverage is available for the abuser. While there is some coverage available in the standard market for the institution where the abuse takes place, it is very restricted.

More complete coverage should be purchased through specialized markets. The school must take all care possible to protect students from predatory adults and older students through background checks, monitoring and supervision, and reporting all allegations of abuse to the proper authorities.

Directors and officers exposure arise from the decisions and actions of board members. Policies and procedures should be published and consistently followed, especially as they relate to the election of officers and removal of officers.

Professional liability exposure is high if the art school is affiliated with a college or university due to the number of professors and counselors employed. Verification of professional credentials is critical. Educational standards must be in writing and meet all criteria for state and federal licensing and accreditation.

Workers compensation exposures for art teachers include lifting, hernia, back sprains, and strains. Burns can result from welding, kilns, or chemicals used in photo processing. Many artistic processes can cause lung, eye, and skin irritations.

Use of flammables, solvents, lead-based paints, or chemicals should be carefully evaluated. Protective equipment may be required. Use of computer keyboards can result in repetitive motion injuries. Workstations should be ergonomically designed.

Custodians can develop respiratory ailments or contact dermatitis from working with chemicals. Employees may intervene in student altercations, subjecting themselves to possible harm. Exposure to communicable disease can be high.

All employees should have up-to-date immunizations to prevent the spread of communicable disease. Unauthorized visitors can pose a threat to employees as well as students.

Property exposure is high as the process of making art can include the use and storage of flammable paints, solvents, and chemicals. Ignition sources include electrical wiring, and heating and air conditioning systems.

All wiring should be well maintained and up to code. Storage of flammables should be in an approved cabinet away from combustibles and kept in a cool environment. A small fire can cause considerable damage to personal property.

Sculpting can involve wood, stone, metal, clay, or any other material that can be formed into a three-dimensional image. Adequate ventilation is needed to remove dust created by students working with these media. Welding and casting should be conducted away from combustible materials.

Spray painting requires explosion-proof fixtures and an approved exhaust system. Kilns used for firing ceramics must be monitored due to extreme heat production. Extinguishing equipment must be easily accessible.

If meals are prepared on premises, all cooking equipment must be properly protected. Housekeeping must be excellent. Colleges are often targets for vandalism and malicious mischief. There should be after-hours security to prevent unauthorized access.

Business income exposure can be high if a specialized classroom building, dormitory, or exhibit hall is shut down after a loss. A disaster plan should be in place identifying temporary facilities and suppliers that could be used in the event of a loss.

Crime exposures are from employee dishonesty and theft of money and securities. Background checks should be performed on all employees handling money. All job duties, such as ordering, billing, and disbursement, should be separate and reconciled on a regular basis.

If cash is received for tuition or from donations, receipts should be provided. Bank deposits should be made on a timely basis to prevent the buildup of cash on premises. External audits should be conducted at least annually. Cash from bookstores must be periodically picked up, tallied, verified, and deposited in a drop safe pending transfer to a bank.

Large cash deposits may require the use of an armored car service.

Inland marine exposure includes accounts receivable for payments from donors, parents and students, audio-visual equipment for items transported between classrooms, computers for offices, classrooms, and graphic arts, contractors' equipment for machinery used to maintain the premises, fine arts, and valuable papers and records for student information.

All data must be duplicated and kept off premises. Fine arts include such items as sculptures and paintings that are kept on site.

Business auto exposure is generally limited to a hired and non-owned due to employees running errands. If there are owned vehicles, all drivers must have appropriate licenses and acceptable MVRs. All vehicles must be well maintained and the records kept at a central location.

Art School Insurance - The Bottom Line

To find the best fit art school insurance California coverage you'll need to fully protect your education business, speak with a reputable broker who specializes in commercial educational insurance.

California Economic Data, Regulations & Limits On Commercial Insurance

If you are an entrepreneur and you considering having your operations located in California, it's essential that you have a full understanding about the economy of the state, as well as the regulations and limits that are in place for commercial insurance.

Made In California

If you are considering opening up a business in the Golden State, you first want to make sure that it is a sound location for your operations. That means that you should understand some key information related to the state's economy, as well as the types of insurance coverages that businesses are legally required to carry.

Economic Trends For Businesses In California

In terms of job creation, the state of California exceeds rate of job growth in the United States; however, as the state's metropolitan areas are reaching employment capacity, job growth is starting to slow. In 2017, the rate of growth was 2.1 percent, which is the slowest rate of growth since 2011; but it is still expected to increase by 1.8 percent by the end of 2018, and 1.2 percent by the end of 2020.

In the month of April, the unemployment rate in California dropped to 4.2 percent, which is a record low. This unemployment rate is expected to remain consistent for the rest of the calendar year; however, it's forecasted that the rate will start to increase in 2020.

The strongest labor market in the state is in the Bay Area, where the unemployment rate was 3.4 percent in 2017. Southern California follows, with an unemployment rate of 4.5 percent in 2017. In the Central Coast region, the rate was 5.4 percent and in the Central Valley, it was 6.6 percent. While the unemployment rate is considered high in these areas, they have decreased dramatically over the last 12 month period.

The industries that are expected to see the most growth in CA include:

  • Agriculture
  • Construction
  • Healthcare
  • Hospitality
  • Information Technology
CA Commercial Insurance Regulations And Limits

The California Department of Insurance regulates insurance in the Golden State. In the state of CA, commercial liability insurance is not required; however, since the state does not cap rewards for liability law suits, business owners are wise to invest in this type of coverage. The amount of coverage recommended varies depending on the size of the business and in the industry.

Workers' compensation insurance is the only type of coverage that business owners are required to have. This applies to any organization that employs a salaried or hourly staff, even if that staff only consists of one employee. Furthermore, if an employee is injured or becomes ill as a result of work, business owners must pay for CA workers' comp benefits.

Additional Resources For Education, Colleges, Universities & Schools Insurance

Learn about small business commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.


Education, Colleges, Universities And Schools Insurance

The exposures of one individual educational institution may be totally different from those of another. Because of this, comprehensive surveys of each facility are needed to accurately determine the proper insurance program needed by each.

While the exposures may be significantly different, they have the common component of educating a student and providing faculty that is competent and facilities that are safe for learning.

Many of these institutions have a number of buildings, extensive grounds, and expensive equipment. Comprehensive property and liability insurance is crucial, as is protection and coverage for tuition income, athletic events, teachers’ liability and many other exposures.

Educators' Legal Liability (ELL) coverage provided by insurers may have significant differences. It is important to compare what is available to meet the exposures and financial needs of a given educational institution or school district. Different ELL forms may even have substantially different insuring agreements. There are three main types of insuring agremeements in ELL policies:

Insuring Agreement A: The language in this agreement refers to coverage being provided contingent on receiving the policy premium. It states that coverage is subject to all relevant policy provisions. The carrier also states that the policy issuance is a result of completely relying on the accuracy of the information provided by the applicant/insured. This agreement refers to a Self Insured Retention .

Insuring Agreement B: This company's agreement is worded similarly to the language found in most standard commercial policies. It states that the company will pay on behalf of an insured that faces an allegation of performing a wrongful act. It also states that it will not respond to acts that occur before either the policy's effective date or the applicable retroactive date.

Insuring Agreement C: The language in this carrier's agreement is more specific. It makes reference to paying on behalf of an insured due to liability involving eligible, education operations acts. It also contains wording that reflects its claims-made basis of coverage.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income and Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Commercial Articles Floater, Computers, Valuable Papers and Records, General Liability, Directors and Officers, Employee Benefits, Professional, Umbrella, Business Auto Liability and Physical Damage, Hired and Nonownd Auto & Workers Compensation.

Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Flood, Spoilage, Computer Fraud, Extortion, Animal Floater, Contractors' Equipment, Fine Arts, Musical Instruments, Theatrical Floater, Cyber Liability, Employment-related Practices, Stop Gap Liability and Active Shooter.


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