Creativity deserves protection.

Whether you’re running a local art gallery, managing a nonprofit theater group, or organizing seasonal music festivals, your arts organization plays a vital role in the cultural life of your community. From exhibits and live performances to after-school workshops and historic preservation, you are key to bringing people together through creativity and connection.

But, behind every production or event is a lot of work and a fair amount of risk.

That’s where the right insurance coverage comes in. Arts and cultural nonprofits have unique insurance needs that go beyond standard business policies. If your organization owns equipment, rents venues, sells tickets, or welcomes the public, you need to make sure your coverage keeps pace with your programming.

Arts and Cultural Nonprofits operate in dynamic, people-focused environments. Whether you’re hanging artwork in a community center or performing in a historic theater, your organization interacts with the public, manages valuable property, and relies on volunteers, donors, and visiting artists.

That means your risk is spread across several areas:

• Someone could trip and fall at an opening night reception
• A valuable piece of artwork could be damaged in transport
• A performer or volunteer could be injured during setup
• A venue may require proof of liability before allowing you to host a show

Even if your events are small or seasonal, your exposure is real. A single accident could put a serious strain on your operating budget or even pause your programming.

While every organization is different, most arts and cultural nonprofits should evaluate the following types of insurance for their unique coverage needs:

• General liability – to protect against injuries or property damage involving guests or third parties
• Property coverage – for buildings, exhibit materials, costumes, lighting, or sound equipment
• Event liability – especially for art walks, pop-ups, or festivals held in public or shared spaces
• Fine arts coverage – which protects artwork owned by or loaned to your organization
• Volunteer and participant accident coverage – if your programs involve community members or performers
• Directors and Officers (D&O) insurance – to protect board members and leadership from legal claims

If your organization operates in multiple locations or moves from venue to venue, it’s important to review how your coverage follows you. Many policies can be adapted to travel with your programming, no matter where you go.

At The Wallace Agency, we’re proud to support arts and cultural organizations. From gallery openings to street performances and everything in between, we understand the amount of work that goes into every event – and how crucial it is to keep things running smoothly.

Let’s make sure your creativity is covered.Call today or click here to schedule a quick policy review. We’ll help you protect the people, places, and projects that bring your mission to life.