Ann Testa on sun 24 oct 10
If you are in a cooperative gallery, what do you do for insurance if you
have any? We recently had a shelf fail & lost 4 pots & then had another p=
ot
broken by an unknown person. Through the years we have had a few
incidents of breakage, but never so much in such a short period. Thanks f=
or any
help or suggestions.
Ann Testa
_www.anntesta.com_ (http://www.anntesta.com)
_www.clayartgallery.com_ (http://www.clayartgallery.com)
William & Susan Schran User on sun 24 oct 10
On 10/24/10 1:59 PM, "Ann Testa" wrote:
> If you are in a cooperative gallery, what do you do for insurance if you
> have any? We recently had a shelf fail & lost 4 pots & then had another=
pot
> broken by an unknown person. Through the years we have had a few
> incidents of breakage, but never so much in such a short period. Thanks=
for
> any help or suggestions.
Was in two cooperative galleries, now some time back.
As I recall, one had business insurance, the other had artists carry their
own business insurance to cover their work.
If it was just a pot or art under a certain dollar amount, gallery would pa=
y
the artist's percentage rather than making claim on insurance which would
result in higher premiums.
When wife and I had our own gallery, we had business insurance, but if work
on consignment was damaged/stolen, we would pay the artist their percentage
and not make any insurance claims. Insurance was there for major things tha=
t
we couldn't cover.
Bill
--
William "Bill" Schran
wschran@cox.net
wschran@nvcc.edu
http://www.creativecreekartisans.com
Sumi von Dassow on sun 24 oct 10
Ann
My coop gallery, the Majestic Gallery in Idaho Springs (in business 28
years) has no insurance. If items break the gallery pays, but we've
never had too much loss. If the loss was huge, I'm sure the individual
artists would have to swallow it. Some of us might have personal
business insurance that would cover such losses if they were large
enough. The gallery itself is not a corporation, just a group of
artists, and we don't want the trouble and expense of incorporating and
dealing with such things as taxes and insurance.
Sumi
> If you are in a cooperative gallery, what do you do for insurance if you
> have any? We recently had a shelf fail & lost 4 pots & then had another=
pot
> broken by an unknown person. Through the years we have had a few
> incidents of breakage, but never so much in such a short period. Thanks=
for any
> help or suggestions.
>
> Ann Testa
> _www.anntesta.com_ (http://www.anntesta.com)
> _www.clayartgallery.com_ (http://www.clayartgallery.com)
>
>
>
--
Sumi von Dassow
www.herwheel.com
sumi@herwheel.com
Steve and Joan Irvine on sun 24 oct 10
Ann,
At our co-operative we have insurance for fire, public liability etc., =3D
but not for the individual pieces that the artists bring in for their =3D
own displays. It is up to the artists to provide their own coverage for =3D
their work in the store.=3D20
Usually if something is broken in the store it is a loss for the artist. =
=3D
Conceivably, if there was breakage or a loss that was the direct result =3D
of a negligent or poorly thought out co-op policy, then the store would =3D
probably cover the loss, but this hasn't been an issue so far in our 16 =3D
year history.
Hope this helps.
Steve Irvine
http://www.osartistsco-op.com/home.html=3D
Greg Marshall on mon 25 oct 10
I'm involved in a cooperative gallery in Colorado. What we have found is=
=3D
the=3D20
deductable on the insurance policy will not cover minor breakage or theft=
=3D
so=3D20
the insurance is just to cover major (expensive) problems.
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