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Exclusions for the ACT Pro Policy

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While we strive to help as many people as possible get the insurance they need, we regret that there are some things we cannot insure. Below is a list of coverages EXCLUDED in the ACT Pro policy that ACT Insurance will not respond to:

For help finding coverage for excluded businesses listed below please contact us at 844.520.6991, or visit our trusted partners linked below. 

Exclusions for the ACT Pro for Handmade Beauty Businesses Policy

  • Acetone used in any hair relaxer and/or hair straightener product, sales to a wholesaler or distributor, or acetone products that contain parabens or phthalates
  • Any and all hair relaxer and/or hair straightener products
  • Any product containing the following chemicals or ingredients: cyclosiloxanes, parabens, diethanolamine, dimethyl sulfoxide, guanidine carbonate, ammonium thioglycolate, toluene, dibutyl phthalates, phthalates, phthalate esters, dibutyl phthalate or toluene
  • Candles containing liquid fuel gel
  • Cosmetic products containing talc – eyeshadow, foundation, toners
  • Dietary Supplements – meaning products taken by mouth that contain a “dietary ingredient” intended to supplement the diet:
    • Including, but not limited to, those promoted to increase energy, sexual performance, aid in weight loss or gain, reduce body fat percentage or change body composition;
    • “dietary ingredient” may be one, or any combination of the following substances–a vitamin, a mineral; an herb or other botanical, an amino acid, or a concentrate, metabolite, constituent, or extract
  • Ethical pharmaceuticals – meaning any drug, vaccine, or medicine, that cannot be distributed to the general public by any means other than through the prescription of or usage by a licensed physician or medical doctor duly accredited by a recognized medical professional association, such as the American Medical Association, including, but not limited to:
    • Any drug, vaccine, or medicine defined above that was ever banned from use by United States regulations; and any illegal drug, vaccine, or medicine
  • Formaldehyde, formaldehyde products, or formaldehyde – containing materials or products
  • Furniture
  • Hand Sanitizer not in compliance with the United States Food & Drug Administration requirements for over-the-counter topical antiseptic or antimicrobial products effective on or after the date of manufacture
  • Household Cleaning Products that are not 100% organic or natural
  • Hygienic products containing talc – baby powder, body powder, shower to shower and similar powder products – are not eligible
  • Ingestible Vitamins or Supplements
  • Invasive body inks, dyes, or permanent cosmetics
  • Inversion Tables
  • Nail Curing Lights
  • Plug-In Electrical Products
  • Products, supplements, or additives that, at any time, are recalled, including, but not limited to a recall classified by the United States Food and Drug Administration to be a “Class I Health Hazard”, meaning a situation in which there is a reasonable probability that the use of, or exposure to, a violative product will cause serious adverse health consequences or death, as defined in the Code of Federal Regulations, Title 21, Chapter 1, as amended;
  • Products, that are ingestible, containing cannabidiol (CBD) or tetrahydrocannabinol (THC)
  • Products, that are not ingestible, containing greater than 0.3% tetrahydrocannabinol (THC)
  • Products containing alcohol, except for hand sanitizer described above
  • Products developed with or containing human stem cells or human stem cell media
  • Products or equipment implanted on or within the human body
  • Products that do not meet FDA “GRAS” Guidelines – Generally Regarded as Safe
  • Salon or Spa Operations
  • Suppositories
  • Talc
  • Tanning beds or equipment
  • Testing or demonstration of products done on employees
  • Toys, except when sold in conjunction with an eligible beauty product

Exclusions for The ACT Go Policy

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While we strive to help as many people as possible get the insurance they need, we regret that there are some things we cannot insure.

Below is a list of events and activities EXCLUDED in the ACT Go policy for events that ACT Insurance will not respond to:

  • Any Activity Involving Live Animals
  • Any Activity Involving Motorized Equipment or Vehicles
  • Birthday Parties
  • CBD-Related Events – For CBD event insurance, visit insurancecanopy.com
  • Christmas Tree Lot
  • Concerts
  • Directing, Hosting, Organizing, planning, promoting, or sponsoring a fair, festival, show, or similar event
  • Disc Jockeys (DJs) – For DJ liability insurance, visit insurancecanopy.com
  • Martial Arts Events
  • Medical Professionals
  • Murals
  • Narcotic-Related Events
  • Performing Artists/Musicians – For entertainer insurance, visit insurancecanopy.com
  • Political Rallies, Demonstrations, or Events
  • Pumpkin Patches
  • Sales or Distribution of Narcotics
  • Sporting Events
  • Tattoo conventions or shows
  • Three-Dimensional Installation Artwork
  • Vehicles or Transportation Industry Events or Shows
  • Weapon, Knife, and Ammunition Exposures