Insurance can be a barrier to holding events or making art in public spaces when you've not applied for it before. But the good news is that there are options for you that make it cheap and easy!
Joining as a member of Regional Arts Victoria is a great option for artists in the Warrnambool region. Membership can include comprehensive, ongoing insurance, among many other benefits.
For artists with a national reach, the National Association of Visual Artists are an excellent organisation with extensive resources. Membership includes coverage for the majority of arts activities.
For one-off projects, you can choose something like Duck For Cover, who provide temporary insurance for creatives.