While accidents can happen anywhere, they are more likely to happen in areas that have potentially hazardous materials, processes, or equipment. Because many studios are within personal homes, artists should refer to their homeowner’s policy to assess the coverage they have. Usually, public liability/business insurance is not included, so you will need to investigate the level of coverage that you have. While providing refreshments at your event is a great way to attract and keep patrons, liability issues can arise if items are homemade. It’s best to keep refreshments store-bought