What could go wrong?

Here are the claims independent artists, writers and performers see most often: audience or visitor injuries at a studio and personal or advertising injury claims. Clients visit, leases require proof of coverage, and advertising injury can arise from your marketing. If your business is found negligent, medical bills or repair costs can land on you.

A class Coterie knows

Independent Artists, Writers, and Performers ranks #40 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Choosing your coverage

General liability: General liability covers third-party bodily injury, property damage and, for most classes, personal and advertising injury. Per-occurrence limits are $300K, $500K, $1M or $2M, with aggregates at twice that, and the policy includes medical payments and damage to rented premises.

Business owner’s policy: A BOP covers computers, furniture and valuable papers, with business income and computer interruption built in.

Eligibility notes for independent artists, writers and performers

Home-based businesses are accepted. Live performance venues may need extra review. Across all classes, Coterie generally accepts up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K) and no prior cancellations or non-renewals.

Service built for small business

Quotes and certificates are instant, and Coterie’s own team manages claims from start to finish. As a bonus, Manage My Risk gives you free safety resources and risk assessments you can share with your team.

All coverage is subject to underwriting and availability.

Quote and bind in minutes: Coterie Quote and Bind

Prefer a phone call? America Insurance Brokers can walk Georgia independent artists, writers and performers through every option.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Georgia independent artists, writers, and performers.