When talking about insurance, most artists think about insuring their car or their home (or purchasing renter’s insurance). Perhaps they are concerned about medical insurance, and how they can get coverage under the ACA. They probably don’t think about insurance that will protect them as an artist.
Here is an excellent article about the basics of insurance, and the types of insurance available to artists. It sets out some scenarios (some obvious, some not so obvious) about how an artist might need the protection of an insurance policy. It is an article worth bookmarking for future reference or printing and saving in the file.