Usually its standard for there to be an insurance policy? Surely it's terrible to lose art that could theoretically never be replaced, but if there's any light at the end of the tunnel I hope it's that these people don't stop making their art. :)

Can mom-and-pop shops really afford first floor rents?

Lele brings up a valid point. Storefronts are an anachronistic extravagance, and with the liberal proliferation of art fairs, are proving less substantial in the contemporary commerce of culture. We at Form/Space Atelier will keep the doors open. Count on it.