ACT strives to protect artists, crafters, and makers across the creative industry. Our policies do have limits on what they can insure that we want you to be aware of. This page lists the coverage exclusions for ACT Pro, ACT Pro for Handmade Beauty Businesses, and ACT Go.
Learn exactly what you are and aren’t covered for so you can feel confident about your business’s protection.
What Is a Policy Exclusion?
An exclusion is a specific type of business, product, or activity that a policy will not cover. Insurance companies often exclude certain things because the risk is too specialized or better suited to another policy. Understanding your liability insurance exclusions is key to avoiding surprises if you need to make a claim.
ACT Pro offers annual general and product liability coverage for independent artist and crafter businesses. The following businesses and product types are excluded from this policy.
ACT Pro for Curated Sellers
The ACT Pro for Curated Sellers policy extends ACT Pro coverage to sellers who use and sell more than 20% pre-made products or materials. The same exclusions listed above apply — the policy changes who qualifies, not what’s covered.
ACT Pro for Handmade Beauty Businesses offers annual general and product liability coverage for independent creative businesses that make and sell handmade beauty products (e.g., soaps, cosmetics) and candles. The following businesses and product types are excluded from this policy.
ACT Go offers short-term general liability insurance for artists, crafters, and creative business vendors, particularly those who attend events. The following businesses and product types are excluded from this policy.
Not sure if your business qualifies?
If you’re on the fence — or if your business type isn’t on this list — explore your coverage options. Our team can help you find the right fit, whether that’s an ACT policy or a trusted partner.
