Compare ACT Policies: Pro vs Go

Artisans, Crafters, and Tradesmen Insurance (ACT) has successfully protected makers for more than a decade.

Our two affordable policy options offer high-quality coverage that you can purchase online in minutes, so the real question is, which ACT policy is right for you?

More than just events

ACT Pro

Year-round coverage if you sell online or in person.

365 Days of Comprehensive Coverage Included:

Included:

24/7 Access to Policy Documents

Licensed in All 50 States

Not Premises Specific

$2M General Liability Aggregate

$1M General Liability Per Occurrence

$5K Medical Expenses

$300K Coverage for Damages to Premises Rented to You

$1M Products & Completed Operations Coverage

$1M Personal & Advertising Injury

General Liability for Online Sales

Optional:

Data Breach Coverage

Workshop & Class Coverage

$5K or $10K Theft & Damage Coverage

Starts at $24.25/Month or $279/Year

Short-Term Policies for Events

ACT Go

Quick and easy short-term insurance for shows and events.

1-90 Day Policies

Included:

24/7 Access to Policy Documents

Licensed in All 50 States

Not Premises Specific

$2M General Liability Aggregate

$1M General Liability Per Occurrence

$5K Medical Expenses

$300K Coverage for Damages to Premises Rented to You

Optional:

EZ Renew (for 90 day policies)

$2K Theft & Damage Coverage

Starts at $49/Event

The Key Differences Between ACT Pro and ACT Go

ACT Pro offers 365 days of continuous protection, combining general and product liability insurance into one easy plan. It provides a safety net for you and your business at events, in the studio, online, and in stores — even if you wholesale your products through other retailers.

Choose ACT Pro if you:

Attend more than 5 events a year
Want coverage for online sales
Need year-round protection for your business
Need product liability insurance
Want coverage for theft and damages
Are interested in data breach coverage
Teach classes and need insurance
Need all the benefits of ACT Go plus more!

ACT Go is a per-event policy that covers accidents related to your booth or business while vending at events, shows, markets, and more. It meets most event insurance requirements and offers coverage from 1 to 90 days, depending on your needs.

Choose ACT Go if you:

Attend 1–5 events or shows a year
Only sell or showcase your products at in-person events
Need protection during an event for your booth, displays, and inventory
Want short-term liability coverage
Are required to have vendor insurance
Need to add additional insureds easily
Want an instant Certificate of Insurance (COI)

Explore the Benefits of ACT Go

Starting at $49 per event, your ACT Go policy comes with:

General Liability Insurance for injuries and damages to third parties caused by your business, like a customer tripping over your display or a sign falling and damaging your neighbor’s booth.
Damage to Premises Rented helps cover the cost of damages in rented spaces like if your booth display scuffs the venue floor. (Note: it only covers fire damage after the first seven days.)
Medical Expense Limit can cover the cost of medical bills for a person injured in an accident caused by you, your booth, or your business.

Our ACT Go policy also offers free, unlimited additional insureds, coverage at most events and in most locations, instant coverage and proof of insurance, online claims filing, 24/7 access to your policy documents, and no deductibles on liability claims.

Get Even More Value With ACT Pro

Starting at $24.25/month (less than $1 a day), your ACT Pro policy comes with:

All The Same Benefits as the ACT Go Policy, like general liability insurance, reasonable coverage for damage to premises rented to you, a medical expense limit, unlimited additional insureds, instant coverage, online claims filing, and more.
Personal & Advertising Injury to help cover the cost of legal fees if you accidentally infringe on intellectual property or cause reputational harm.

ACT Pro also includes the option to add the following extra coverages:

Tools, Supplies, & Inventory Coverage (Inland Marine) can pay to replace or repair your business gear if it’s stolen or broken.
Workshop & Class Coverage (Professional Liability) covers claims for injuries or damages resulting from classes or demonstrations you lead.
Data Breach Coverage helps you and your customers recover from a cyber attack on your business, like a data breach.
Increased Liability Limits
allow you to meet certain insurance requirements for events, partnerships, or rental agreements.

Great for Go: Cassidy’s Hand-Painted Ornaments

Cassidy is a middle school art teacher who enjoys making hand-painted ornaments in her free time. She builds up her stock throughout the year, and only sells the ornaments at 3–5 local holiday markets each winter. She doesn’t sell online, doesn’t teach classes, and only needs insurance when she’s exhibiting and selling in person.

Why ACT Go is Cassidy’s ideal policy:

Participates in only a handful of events each year
Needs short-term liability coverage to satisfy vendor requirements
Coverage for online sales isn’t necessary since she doesn’t sell online
The coverage she needs when she needs it at an affordable rate

Perfect for Pro: Luis’ Leather Goods

Luis sells handmade leather goods such as bound notebooks, custom-embossed keychains, and hair accessories. He sells his items on Etsy, his own website, and at various Renaissance fairs and maker markets throughout the year. He attends 10–12 events annually, often traveling to attend as many events as possible. Plus, he ships his handcrafted products nationwide.

Why ACT Pro is Luis’ ideal policy:

Participates in more than 5 events a year
Needs long-term coverage to satisfy vendor requirements, even if attending last-minute events
Wants coverage in case another artist claims their designs are too alike
Online sales are a large part of his business, and Etsy doesn’t provide product liability coverage
ACT Pro gives him year-round coverage without needing to pay for per-event protection

A Case for Customization: Ava’s Artisanal Soaps & Lotions

Ava started by selling handmade soaps at craft fairs and farmers’ markets, then expanded into online sales. Known for her unique scent profiles and use of her farm’s goat milk, her demand quickly outgrew her occasional market stand. Now, Ava’s signing a lease for her first retail storefront and looking into hiring part-time staff, both of which are common ACT policy exclusions.

Why a Custom ACT Pro Policy is ideal for Ava:

Sells 80% handmade products
Has outgrown a standard vendor policy by expanding into a permanent location
Needs commercial property coverage (not included in a typical ACT Go or Pro policy)
Requires a tailored insurance solution designed around her specific business needs

FAQ: ACT Pro vs ACT Go

What Is the Biggest Difference Between ACT Pro vs ACT Go?

The biggest difference between ACT Pro vs ACT Go is that Pro is an annual policy and Go is a per-event policy (1-90 days). ACT Pro also comes with personal and advertising injury coverage, and the option to add on more coverages as needed. ACT Go only covers general liability for a single event, market, or show up to 90 days.

Can I Switch From ACT Go to ACT Pro Later if My Business Grows?

Yes, you can absolutely switch between ACT Go and Pro policies. ACT Go is a per-event policy, so it’s recommended to switch to ACT Pro if you attend more than 5 events a year as a handmade craft vendor.

Which Policy Is Better for Online Sellers Who Also Do Events?

An ACT Pro policy is best for artists who sell their handmade items both online and at in-person events. This is because ACT Pro includes both general liability and product liability coverage, plus additional coverage options that are great for online sellers like data breach insurance.

Does ACT Pro Include Product Liability Coverage?

Yes — ACT Pro includes $1M in Products and Completed Operations Coverage as part of the standard policy. This coverage helps protect your business if one of your finished products is linked to a claim for bodily injury or property damage after it leaves your hands.

Note: ACT Go policies do not include product liability coverage.