Workers' Compensation

Workers' Compensation

The definition of 'employee' in the arts can vary widely; it's important to consider insurance for freelancers, volunteers, managers... Your staff are your greatest asset - and you have a duty of care to keep them safe and well at work.

Workers' Compensation is mandatory for companies in the US. It's designed to protect you from costs arising from your liability for employee injuries or illness arising in the workplace.

What if...

  • An employee falls or trips at work because of loose carpet or cabling? The injury prevents them from working for several weeks - during which time you have to pay sick leave as well as hire-in a temp to cover them...
  • An employee wins a court case against you? You're now liable to pay damages and their legal fees, on top of your own...
  • An employee makes a mistake while working which results in injury? But you're found liable because you didn't provide adequate safety training...
  • You forget to take out cover for a summer intern joining your team? - and get fined for every day they worked

Cover can include:

  • Legal costs
  • Compensation due
  • Court attendance compensation
  • Claims for injury and disease - including those caused by terrorism
  • All employees - including volunteers working for you

Download: 5 Reasons Art Collectors Need Specialist Insurance PDF Document

Employers Liability Paint Brushes On White

“La Playa: Insurance with Intelligence. Passionate. Discerning. Independent.”


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You can call us to talk more about your business on +1 646 665 7737

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About La Playa Fine Art

Specialist & Independent

Specialist & Independent

Our in-depth understanding of the unique risk exposures in the art world means we speak your language - and we can save you time and hassle in the event of a claim. Our expertise is backed up with efficient and highly personal service and our wealth of experience spans over 50 years.

Whatever your specialism, we’ll take a creative and innovative approach to structuring your Fine Arts insurance programme and select for you an insurer who demonstrates understanding and experience of your field.  We’ll support you with great advice - helping you manage your risks and make good decisions to protect your organization or collection. 

At La Playa, we’re passionate about the arts and creative industries – many of us are practitioners and active consumers; in fact, La Playa founded the first ever corporate art collective.

Advice You Can Trust

…from an expert who understands you

  • Specialist insurance for the arts
  • Independent professional advice
  • Relationship-based service: right beside you when you make a claim
  • “Can do” culture
  • Seamless insurance across US and UK
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+1 646 665 7737
+44 (0) 20 3865 0149
+44 (0) 1223 200650