Who is responsible for insuring public artworks before they are completed?

Public art programs usually only begin to insure artworks after they have been completed and installed, and for that reason, some artists carry their own insurance while producing an artwork.  Indeed, some programs require artists to show that they hold commercial liability for their work during creation and installation.  However, since only licensed professionals are able to obtain professional liability insurance, that requirement should be waived for artists who are not licensed.  If an artist makes use of licensed subcontractors, then project agreements may require those contractors to hold professional liability insurance.