Home - Artisans Liability Insurance

Artisan Insurance

Crafted coverage for your artisan business.

FROM

$24.25 / Month
Or $49 for event Coverage

4.8/5 on

Home - Artisans Liability Insurance

Artisan Insurance

Crafted coverage for your artisan business.

FROM

$24.25
Per Month
Or $49 for event Coverage

4.8/5 on

Will Artisan Insurance Cover Me?

No matter what time-honored techniques you work with, artisan insurance is made for you. It covers:

Visit our Who Qualifies page for the full list of covered professions.

What Is an Artisan Insurance Policy?

Artisan insurance is designed to protect artisans who create and sell handmade goods. For most creative businesses, artisan insurance should include general and product liability protection for what you make and sell — these coverages are bundled in the ACT Pro policy!

Insurance can cover you at events, in retail settings, and on online marketplaces (with ACT Pro).

Your skilled craftsmanship produces fine pieces worth admiring, but they also come with risk. A customer could get injured at your booth, or claim your product caused damage after a sale. Artisan insurance helps protect your business from these kinds of liability claims.

With ACT Insurance, get covered in minutes, meet event requirements, and access proof of insurance whenever you need it, so you can focus on creating and selling confidently.

Artisans Insurance Coverage Options

Choose the plan that fits how you sell: ACT Pro for year-round coverage, or ACT Go for short-term event protection.

ACT Pro

365-day coverage

$24.25/Month

Everything from ACT Go plus…

ACT Go

Basic general liability coverage

$49/Event

Coverage Details

ACT Pro

ACT Pro is made for full-time artists and crafters who want enhanced protection for their entire business. With additional liability coverage for your products included, optional add-ons, and monthly payments, create confidently knowing we’ve got your back.

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

  • Theft & Damage Coverage +$4.50/month

    Additional Tools, Supplies, & Inventory Coverage limits available up to $10,000/$50,000.

  • Data Breach Protection +$8.25/month

    Cyber Liability Coverage available up to $100,000

  • Workshop & Class Coverage +$10.42/month

    Professional Liability is available through the user dashboard with upfront payment.

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

ACT Go is craft vendor insurance built for on-the-go hobbyists who need quick coverage at events. This flexible general liability policy is like a pop-up tent, working when and where you do — making it ideal if you only attend a couple of craft shows a year. Plus, enjoy the option to add coverage for your tools, supplies, and inventory in case of theft or damage while you’re on the go.

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

  • 1-3 Days $49
  • 7 Days $99
  • 90 Days $199

Who Needs an Artisan Insurance Policy?

If you create and sell your own goods, whether online, in stores, or at events, you need artisan insurance to help protect your business from costly “what if” moments. It’s designed for makers who need coverage that supports how and where they sell.

What Types of Insurance Do Artisans Need?

Artisan insurance is crafted to cover common risks you face while creating and selling. It combines essential coverages to financially protect you against accidents and claims at events, your studio, or after a sale.

How Much Is Artisan Insurance?

Artisans insurance starts from $24.25 a month with ACT Pro, or $49 per event with ACT Go.

Need more coverage? Create a bespoke plan by selecting ACT Pro and adding optional coverages that match your business needs!*

*Additional monthly coverages available only with ACT Pro. Theft & Damage Coverage is available on both plans.

The #1 Artisan Insurance for Artists, Crafters, & Tradesmen

Your masterful attention to detail merits the best coverage at the best price. ACT keeps up with your creativity — from the studio to the sale.

Get covered instantly and handcraft your distinctive products worry-free.

small businesses protected
290000 +
event partnerships
0 +
creative industries covered
0 +

Common Questions About Artisan Insurance

Why Do Artisans Need Insurance?

Artisans need insurance to financially protect their businesses from costly third-party liability claims, such as customer injury or property damage. You’re also typically required to carry vendor insurance and list event organizers as additional insureds on your policy before you can vend.

Beyond that, you may also need insurance to:

  • Protect your tools, supplies, and inventory from theft or damage
  • Enhance your professional credibility with customers
  • Support your business in case your products injure a customer after a sale
  • Meet state arts and crafts insurance requirements 


ACT Pro offers coverage options for all the above!

Do Online Artisans Need Insurance?

Yes! If you sell handmade art in stores or online marketplaces (like Etsy or Amazon), you need a plan, like ACT Pro, that includes both general and product liability insurance.

This coverage goes beyond the point of sale. If your crafted goods injure someone or damage their property — think rashes on skin or discoloration on surfaces — artisan insurance can protect your business from costly claims.

Does Artisan Insurance Cover Wholesale Orders, Consignment, or Selling in Retail Stores?

Yes, ACT Pro is designed for makers who sell wholesale, via consignment, in retail shops, or on online marketplaces! Because it includes product liability coverage, it provides peace of mind for unexpected issues that may come up after your products leave your workshop.

Can I Get a Certificate of Insurance (COI) With a Venue or Market Listed as Additional Insured?

Yes, ACT Insurance offers instant certificates of insurance (COIs). Add a venue, market, or event as an additional insured right at checkout. After you purchase your policy, you receive immediate access to your digital COI. The whole process takes under 10 minutes!

I Sell a Mix of Handmade and Non-Handmade Items — What Policy Do I Need?

If you sell a mix of handmade and sourced items, ACT Pro is your best policy fit. We offer several handmade insurance options and will match you based on the percentage of your inventory that is handmade. 

  • ACT Go (short-term general liability coverage)
  • ACT Pro (includes product liability coverage if at least 80% of your products are handmade)
  • ACT Pro for Curated Sellers (includes product liability coverage if more than 20% of your inventory is non-handmade)


Be sure to review
ACT’s exclusions to confirm your eligibility! 

Does ACT Go Include Product Liability?

ACT Go includes short-term general liability insurance but does not include product liability coverage. For a policy that can cover accidents at your in-person events and the products you sell, ACT Pro is specifically crafted for you!

How Quickly Can I Get Proof of Insurance After I Buy?

After you purchase an ACT policy, your proof of insurance is ready immediately! You’ll receive an email to access your online certificate of insurance to download or share. Your coverage keeps up with all your events and contract requirements.

We're Here to Help!

Have questions about artisan insurance? Our team of licensed, U.S.-based agents has your back! Call us at 844.520.6991.