Liability Insurance Coverage Types for Artists & Crafters

No matter your medium, ACT Insurance is designed to protect your creative business. Explore coverage types and choose a policy that fits your work best.

Insurance Coverage Types for Artists and Crafters

General Liability Insurance

Covers third-party injuries and property damage caused by your business. Example: A customer slips at your vendor booth.

Product Liability Insurance

Protects your business if your products cause harm to others. Example: Your sculpture injures a customer after the sale.

Theft & Damage Coverage

Pays to replace your tools, supplies, and inventory in case of theft or damage. Example: Your artwork is stolen while in transit.

Workshop & Class Coverage

Covers your professional services, such as art instruction or live demos. Example: A student is injured while attending your ceramic workshop.

Data Breach Coverage

Helps your business recover from a cybersecurity-related event. Example: Your customers’ credit card information is stolen from your online payment system.

Personal & Advertising Injury Coverage

Protects against customer claims of non-physical injuries, like libel, copyright infringement, or advertising mistakes. Example: A competitor claims you copied their unique designs.

Damage to Rented Premises Coverage

Helps cover costs to repair property damage to your rented space caused by your business. Example: Your booth display creates a hole in a venue wall.

Medical Expense Limit

Covers minor medical bills of third parties, regardless of fault. Example: A customer needs stitches after tripping over your products. 

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ACT Pro - Starting at $24.25/Month

Attend more than five events annually or sell products online? We recommend ACT Pro to protect your business year-round.

What You Get

General Liability Insurance

Product Liability Insurance

Personal & Advertising Injury Coverage

Damage to Premises Rented Coverage

Medical Expense Coverage

Coverage You Can Add

Theft & Damage Coverage
From +$4.50/month

Workshop & Class Coverage
+$8.25/month

Data Breach Coverage
+10.42/month

Annual Policy Limits of Liability

  • General Aggregate Limit (Other Than Products – Completed Operations) $2,000,000
  • Products Completed Operations Aggregate $2,000,000
  • Personal & Advertising Injury $1,000,000
  • Each Occurrence Limit $1,000,000
  • Damage to Premises Rented to You Limit (Any One Premises) $300,000
  • Medical Expense Limit (Any One Person) $5,000

Optional Add-Ons

Pricing

  • ACT Pro $24.25 per month

    (Or $279 per year)

  • ACT Pro
    for Curated Sellers
    $31.59 per month

    Extends ACT Pro coverage to makers who sell more than 20% pre-made or non-handmade elements in their products (Or $379 per year)

  • ACT Pro
    for Handmade Beauty Businesses
    $515 per year

    Coverage for Beauty & Cosmetics, Soap, and Candle Makers

ACT Go - Starting at $49/Event

Need basic general liability coverage for your next fair, festival, or market? ACT Go helps you meet insurance requirements to sell in person.

What You Get

General Liability Insurance

Damage to Premises Rented Coverage

Medical Expense Coverage

Coverage You Can Add

Theft & Damage Coverage
+$54

Short-Term Policy Limits of Liability

  • General Aggregate Limit (Other Than Products – Completed Operations) $2,000,000
  • Products Completed Operations Aggregate Excluded
  • Personal & Advertising Injury Excluded
  • Each Occurrence Limit $1,000,000
  • Damage to Premises Rented to You Limit (Any One Premises) $300,000
  • Medical Expense Limit (Any One Person) $5,000

Optional Add-Ons

  • Theft & Damage Coverage +$54

    Additional Tools, Supplies, & Inventory Coverage limits available up to $2,000/$2,000.

  • Data Theft Protection Excluded
  • Workshop & Class Coverage Excluded

Pricing

What if I Need Short-Term General Liability Coverage?

ACT Go is short-term general liability insurance for crafters designed to safeguard your business at events like craft shows, art fairs, and festivals. Get the liability coverage you need for one day, one week, or an entire season.

Looking for 365-day coverage for your creative business? Learn more about ACT Pro.

Artist booths outdoors at a market.