• WELCOME Grumblers
    Backup is now done at 3PM EDT. You may find the server down for up to two minutes at that time.

Liability Insurance


SGF, Supreme Grumble Framer
So, you accidentally damaged an irreplaceable item, and your customers say it’s worth $2000 and they have documentation to prove it.

What will you do?

What happens if you poke a hole in that $25,000 oil painting, or tear that $100,000 watercolor, or damage that $3000 antique sampler?

Are you insured against accidental damage of work to be framed, damaged by you?

Are you insured for the work that is in your possession from flood, fire, and theft?

These are two very different insurances.
Sponsor Wanted

Framing Goddess

SGF, Supreme Grumble Framer
Yep, that's why I have CAPAX, through PPFA.
It's not just "personal property," it is optional coverage known (I think) as "Customers Goods Extension." You have to ask for it. State Farm does not cover damage to art by you, even though they say they do.
There is lots in the archives on this topic.
Sponsor Wanted