Improved insurance for NAVA Members – New partners, better coverage
Exciting news! Starting February 2025, NAVA Members will enjoy improved insurance through our new partnership with Cover for Creatives.
Dear Members,
We’re thrilled to share some big news! Thanks to your feedback, NAVA has improved our insurance offerings! Starting 1 February 2025, we’ll be partnering with Cover for Creatives to provide tailored insurance solutions for artists, makers, designers, curators, and arts workers across Australia.
What’s new in the policy?
- No extra premiums for use of kilns or open flames.
- No height limit or declarations required for working at heights.
- Full professional indemnity coverage.
- Equipment cover extended to $250k and includes borrowed equipment.
- Overseas residency cover for up to 90 days per year.
- Available for visual artists, craft and design practitioners and independent arts workers conducting work in Australia, including New Zealand citizens, temporary visa holders, asylum seekers and refugees (must hold an ABN and all appropriate working visas).
- Cover for Pty Ltds, companies, and other entities.*
- No public liability restrictions on workshops with children.
- Volunteers and paid assistants included (contractors are recommended to have their own insurance).
- Tenants liability included as part of Public & Products Liability and increased to $20,000,000.
- Flexible Personal Accident options for income replacement calculations.
* Limited based on the nature of business and a range of variables. Please discuss with the NAVA Team.
For comprehensive details, please check the Factsheet, Product Disclosure Statement and Policy Wording. These will be available from 1 February 2025.
What does this mean for you?
- Coverage continuity: If your current Premium Plus policy expires on or before 30 January 2026, you’ll remain covered under the existing LCIS package without interruption.
- Temporary pause for new applications: To facilitate this transition, NAVA Premium Plus applications will pause from 9am AEDT 29 January 2025 to 9am AEDT 1 February 2025.
- New policy start: All new and renewing Premium Plus applications approved from 1 February 2025 will automatically fall under the new Cover for Creatives policy, offering improved benefits and expanded coverage. Please note that the LCIS policy will no longer be offered from 29 January 2025.
- Updated application form: From 1 February 2025, the application process will use a revised form designed to reflect the terms of the new Cover for Creatives policy. Be sure to review the new form carefully to ensure all required information is provided.
- Updated documentation: Policy details, including your insurance certificate, will reflect the new partnership with Cover for Creatives from 1 February 2025. Ensure you review the Factsheet and Product Disclosure Statement for updated terms.
- Support: If you have questions or need support, our team is ready to assist. Call us on 1800 046 282 or email nava@visualarts.net.au
Why insurance is essential
Insurance is an essential part of sustaining professional practice, providing protection for artists and arts workers against a range of risks. Visual artists, craft practitioners and designers are often required to have their own insurance to participate in a wide range of activities, such as exhibiting, undertaking a residency, creating works in public spaces, presenting workshops, renting a studio, participating in an open studio trail, and presenting or selling work at market stalls.
Similarly, arts workers (curators, installers, registrars, conservators, arts administrators etc.) will find that public and professional indemnity is compulsory when engaged as independent contractors.
A collaborative effort for the sector
In recent years, changes in the insurance industry have created uncertainty and rising costs across all sectors, including the creative industries. Today's announcement is the result of Craft Victoria, Guildhouse, and NAVA working collaboratively to negotiate this partnership with Cover for Creatives on behalf of our Members.
Affordable and accessible insurance is vital for artists, arts workers, and the sustainability of our sector. This outcome demonstrates the power of sector-wide collaboration in building a future where artists’ careers and practices are sustained and nourished.
For enquiries, email nava@visualarts.net.au or call 1800 046 282 from 9-10am and 2-4pm AEDT from Monday-Thursday.
Thank you for being a valued Member of NAVA. We look forward to supporting you with this enhanced insurance partnership.
Best regards,
The NAVA Team
Image credit
Illustration by Judy Kuo 2024.
ID: Graphic illustration on a blue background of an artist standing on a green ladder, working on a mural with a roller. The artist is wearing a blue cap, an orange hi-vis vest over a white hoodie, blue pants and yellow protective boots. To the left of the graphic is text that reads: "We've heard your feedback. Our insurance has changed."
