Business Personal Property covers the contents of your studio such as tools, equipment, raw materials, and work in progress.
Form a mutual assistance arrangement with a fellow artist or friend living in another region.
Exchange lists of contacts and people to notify in case of an emergency.
Consider being one another's SOL (Safe Off-site Location) and providing one another temporary access to studio space after a disaster.
General Liability insurance protects you if someone is injured while on your property or if your property causes damage to others. Liability insurance stays with you when you are at a location other than your studio. A homeowners or renters policy usually has little or no coverage for liability involved with business-related activities.
Inland Marine covers your work and other property in transit or away from the studio, such as when teaching, doing an installation, or at an arts festival.
Property Insurance covers the physical structure of your studio. If your studio is in a building on the same property as your home, do not asume that your homeowners insurance covers it!
An SOL is a place to store copies of your documents and records that is far enough away from your studio (50-100 miles) that it is unlikely to be affected by the same disaster. This might be with a family member, trusted friend, contracted service, or your Disaster Buddy (a friend or colleague living in another region with whom you have made a mutual assistance arrangement) .