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Insurance. Fractured Atlas ended our Insurance program and our partnership with insurance broker, Lockton Affinity, on December 31, 2019. For more than ten years, the Fractured Atlas Insurance Program has sought to provide our members with insurance tools to protect against risk.
The program ending does not change your premium and/or program fees that are already due, and any coverage you have in place should remain in effect. Please contact Lockton Affinity directly for any questions you might have on your specific policy.
At the time, Fractured Atlas was in many ways steering into uncharted waters. While a handful of intrepid brokers and carriers were providing insurance programs, most options were tailored for established arts companies and organizations with substantial budgets.
- What Is Risk?
- What Is Insurance?
- Why Is Insurance Important?
- Who Needs Insurance?
- When Should I Start Thinking About Insurance?
- Bottom Line on Insurance
- Next Steps in Getting Insurance
Risk is uncertainty and a chance of loss. Everyone faces risk. There are everyday risks -- when you drive a car, when you’re unsure if you’ve left the stove on, if you leave your camera on the train — and then there are those risks that you encounter when making art — when you produce a play and deadlines are missed, transfer a painting and knock i...
Insurance can protect you from the risk of financial loss. You buy insurance to manage unanticipated risk of harm to your stuff, your space, and your people. Although not all harm is financial (we know harm can be emotional and physical too), a legally-binding insurance contract translates the harm into a dollar amount that gets paid if you can pro...
Insurance is important because you (and/or your company, employees, or volunteers) might not have enough money in your bank account to pay for any harm that might come to your stuff, your space, and your people. Whether it’s fire, flood, famine, pestilence, or anything in between, trying to rebuild yourself or someone else from scratch is expensive...
If you live and create in the United States, you probably need insurance because there are not a lot of safety nets that will pay you money if you suffer financial or physical harm. Insurance can be complicated -- there are many types of insurance: disability, general liability, health, homeowner’s/renter’s, premises/space, property/equipment, supp...
Think about insurance right away. If you have equipment, work in your own space, and/or ever have people help you out, you need to protect them. Even if you work with someone else’s equipment, at their site, and with their people, it is unlikely that someone else’s policy will cover you and/or your creative work. Insurance may not be required, but ...
Insurance can pay you if your stuff, your space, or your people are damaged or injured because of an accident, theft, fire, flood, or anything in between. Insurance can be complex and expensive. If you’ve considered why you need insurance, what you want to protect, and when, you’ll be more prepared for the conversation with a broker.
Contact your local insurance agent and check out the Additional Resources below to contact one of the national brokers and agents who have artists and non-profits in mind. You can also research online, with sometimes overwhelming results. To separate the wheat from the chaff, refine your search results with these questions in mind: 1. Does the insu...
With its ambitious promise of a slightly more level playing field, our health insurance program quickly became Fractured Atlas’s most visible and popular service. Over 3,000 artists enrolled in our plans, often getting better coverage for less money than would otherwise have been possible.
Medical, Dental, & Vision Insurance. Employees can choose from 6 different health insurance plans (all are Aetna) as well as two dental and two vision plans. Fractured Atlas contributes enough towards the employee cost for at least one medical, dental, and vision plan.
Oct 1, 2013 · In 2001, under the guise of the Artists Affordable Healthcare Initiative, Fractured Atlas began offering health insurance to a long underserved population of artists.
