For you, as individual artists and craft artists purchasing coverage, the policy extends liability insurance at your home or studio premises and at exhibition sites. Further, it provides full product liability coverage for items you have sold. The business property portion of the policy offers coverage usually excluded by your homeowner policy. It protects your own equipment, supplies, and finished work on an "all-risk" basis. This means that unless the circumstance of loss or damage is excluded, it is automatically insured. Typical exclusions include but are not limited to: wear, tear or gradual deterioration, unexplained disappearance, inventory shortage, or employee dishonesty.

Just like the universe, Zinc is always expanding! But for now, we cover all states except Alaska, Hawaii, South Dakota, and Wyoming. If you currently don't qualify, send us a note so we can try and help.

Any artist or craft artist who lives or maintains a working premises (shop or studio) in any of the eligible states may purchase the insurance (see "Qualifying Locations" above). Spouses and resident relatives of the artist or craft artist are covered at no additional charge. Employees, associates, and apprentices are not covered, but may purchase insurance of their own.

This is a master policy that runs annually from October 1st to October 1st, but you may join at any time (premiums are pro-rated starting January 1st). Applications submitted via this application (website) are effective upon confirmation of payment. The policy will expire each year on October 1st regardless of the date you enrolled and therefore requires annual re-enrollment each September. There is no auto-renewal for this policy.

Please notify us as soon as possible within 30 days of the date of loss (14 days if you are sued). Be thorough, Include all relevant facts such as where, when, and what happened. Include a list of items stolen, damaged, or destroyed, and a copy of the police or fire report (if applicable). We will then confirm the value of your loss and assist as necessary to assure that your claim settlement is both prompt and fair.