Artists need insurance too

It’s happened a few times now were I was more or less forced into an insurance policy. Not at gunpoint, but regardless it wasn’t really an option for me to decline coverage. Both times it was about liability insurance for one of my art events. Both times my questions to help me understand this better were promptly ignored. I’m in Canada after all, not the USA were people allegedly sue each other over the fact their coffee was hot, as coffee is supposed to be in this coffee lovers opinion. At the lack of a response of the parties trying to force a policy down my throat I did my own research and formulated an opinion.

While I’m not lawyer, from a legal perspective insurance is the transfer of risk to another party (the insurance company). Doing so is recommended when the risk is unacceptable (putting a pedestrian in a wheelchair after you ran them over with your minivan is a risk you shouldn’t take on yourself, period). You could also take out insurance for something that’s unavoidable a…