If you are an artist, you might want to share your knowledge with others. Teaching art classes might be a job you want to pursue. You might do so out of a storefront, or even out of your own home. Wherever you teach, however, the classes often qualify as business operations. You ought to carry commercial insurance as a result. Because you might harm others while teaching, liability coverage needs to be on your policy. What is this coverage? How can it benefit you?
As you operate a business, you’ll work with other people. So, if you cause them harm, they might expect help. Let your liability insurance step in.
Why Art Teachers Need Liability Coverage
Teaching art means you are going to accumulate profits. One lawsuit or request for compensation might wipe out all you have worked to build. With commercial liability insurance, you can get help in case you harm others. That's a big safety requirement for your own solvency.
Art is messy. It is also manual labor. As a result, those who do it might experience harm. So, students (even experts) could get hurt in the course of work. If they do, they might hold the teacher responsible for their injuries or property losses. That’s where liability insurance comes into play.
Let’s say that during a pottery class, a students burns themselves while attempting to place an item in a hot oven. They might blame you for failing to advise them on how to handle the task. They could sue or request compensation for their medical bills, lost income and more. Your liability coverage can pay many of the legal and medical costs of bodily injuries. Policies might also cover allegations personal injury, as well as property damage.
Preventing Liability Accidents
A simple mistake could harm a student. Even accidents are grounds for some actions against your school. Therefore, do what you can to prevent any harm to your students.
- Instruct all students in appropriate handling of all materials
- Store potentially-dangerous items in safe places
- Do not allow inexperienced students to take on new tasks without supervision
- If safety gear is necessary, make sure students wear them
- Post warning notices in potentially-dangerous areas
- Keep a first aid kit on hand in case of small accidents, and don’t hesitate to call for help in case a severe injury occurs
With even simple steps, you can increase student safety within your art studio. Nevertheless, don’t let yourself go without liability insurance. You might find it necessary in extraordinary circumstances.
Also Read: Prevent Business Insurance Claims with These Risk Reduction Tips