Insurances

Some popular topics ...

... in the info section ‘Insurances’ can be accessed directly via the following links. You can access all content via the drop-down menu under 'Insurances' above.

Liability insurances
Property insurances
Insurance of persons
Independent insurance brokers

The most important points

Under the heading 'Insurances', we deal with all the insurance policies that are not directly part of the social security system.
In many cases, liability insurance should be taken out. Public liability insurance protects organisers in the event of damage. Professional indemnity insurance protects people whose work generally involves a risk of damage (e.g. artists working in public spaces).
Insurance should be taken out for exhibitions and associated transport. Musical instruments above a certain value should always be insured. People who work with their bodies in the broadest sense should consider various models of accident or disability insurance. Accident insurance is part of employment contracts but not part of the artists' social insurance (Künstlersozialkasse) for self-employed artists.
Many private insurance policies are often valid in other EU countries - but not always. They are often not valid in non-EU countries. You should always check your own insurance cover.
There are independent insurance brokers who specialise in the arts and culture sector and offer particularly good conditions.

Insurance issues are of great importance for international artists and creatives. Almost all insurances are voluntary (with a few exceptions, such as automobile insurance and statutory health insurance for employees) and the self-employed are faced with different insurance issues than employees - for example, the need for professional liability insurance. Often, artists and creatives are only confronted with these issues in case of problems or if the foreign partner demands proof of insurance.

A dance troupe from Germany is invited to France for guest performances on four evenings. The French organizer requests proof of a particular engineering insurance for these performances, as well as organizer’s liability insurance with a coverage of €300,000, which the troupe does not have. What are the options?

During an exhibition in Berlin, the work of an Italian artist is stolen. What insurance would apply here?

Insurance requirements for international artists, creatives and organizers

Artists and organizers have to decide what risks they can and want to obtain coverage for. Job-related insurance includes professional liability insurance, organizer’s liability insurance, and possibly insurance plans that protect against damages that arise especially as a result of transport. Non-professional health insurances, accident insurances, and disability insurances, as well as liability insurances are personal insurances but no less important.

These insurances are sometimes valid Europe-wide or even worldwide. The geographical scope of the insurance must be adapted to the risk. This means that insurance policies need to be adjusted accordingly in the event of international activities. If an insurance policy has already been taken out, it should be reviewed and possibly expanded for worldwide coverage together with a broker or insurance agent.

The large number of insurance provider makes it difficult to navigate the wide range of insurance products and to find the most efficient coverage for one’s needs. It is therefore advisable to contact an independent broker specialized in insurance for the cultural sector. Consultations are normally free of charge.