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Insurance to cover your handcrafting business.
If you show your wares at art events and festivals, you should consider purchasing liability insurance. Many events require attending vendors to have insurance, but even if you are attending an event that does not require this coverage, it is still important to make sure you have the artisans insurance you need to protect your business from financial risk.
ACT Insurance offers excellent coverage for artisans needing liability insurance. The ACT Pro policy annual coverage offers the most comprehensive insurance for artisans who attend more than a few shows a year or who need protection for their product liability and who want the option to insure their tools, supplies, and inventory.
Our ACT Go policy for events is a good option for artisans who are looking for insurance for only one or two events a year. ACT Go offers up to 90 days of coverage (with the option to renew). It does not include some of the valuable coverages that are included with the ACT Pro, so it is important to compare them and choose the one that will best serve you and your business.
To learn more about which policy is right for you, please visit our policy comparison page.
Artisans are just some of the people who will benefit from an ACT policy. We offer liability coverage for many different artists, crafters, and tradesmen, including:
$0 – $50,000 in Annual Sales
$24.25/Month
$50,000 – $100,000 in Annual Sales
$33.42/Month
Optional Tools, Supplies & Inventory Coverage (Inland Marine)
Optional Professional Liability
$10.42/Month**
Optional Cyber Liability
$8.25/Month
*Additional Tools, Supplies, & Inventory Coverage limits available up to $10,000/$50,000.
**Professional Liability is available through the user dashboard with upfront payment.
1 – 3 Days
$49
7 Days
$99
Up to 90 Days (EZ Renew Option Available)
$149
Year-round Coverage Selling Online, In Person, And Much More!
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:
Cyber Liability
Professional Liability (available in dashboard)
$5K or $10K Tools, Supplies, & Inventory Coverage (Inland Marine)
Get a quick and easy short-term policy to cover you at a show or event —or even a whole season of them.
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)
Artisans insurance is a unique coverage designed to help you pay for claims arising from bodily injury or property damage.
Whether you sell your products at events, in stores, or online, accidents can still occur and leave you financially responsible for medical bills, repair costs, legal fees, and more. Having artisans insurance can help to lower (or eliminate) what you owe for a liability claim.
Depending on the type of policy you choose, a short-term show policy or an annual ACT Pro policy, the limits of liability and types of coverage can vary. The ACT Go policy is made for vendors who only need 1–90 days of consecutive general liability insurance—whereas the ACT Pro policy is for artisans who manage their business online, need general and product liability insurance, and year-round coverage for events.
Please see the ACT Go and ACT Pro coverage details to learn more.
The ACT Go policy starts at $49/event and the ACT Pro policy starts at $24.25/month. All policies include FREE unlimited additional insureds.
Based on your policy type, your total costs may vary. Please see the charts below to view the different options available.
Yes! Your art and small business are valuable assets that deserve to be insured the same way you would your home, vehicle, or health. A single claim can lead to hundreds (or thousands) of dollars in bills, legal fees, or even damage to your reputation.
Most events, stores, and online marketplaces also require you to carry liability insurance. For events, you typically need to show a Certificate of Insurance and hold a current general liability policy. This helps to insure you against claims of slips, trips, and falls. It’s also beneficial in the event of unexpected weather conditions.
If you sell your handmade art in stores or online marketplaces (like Etsy or Amazon), you need a plan that offers both general and product liability insurance. This goes beyond covering claims caused by your business operations. If your work injures someone or damages their property, such as rashes on skin or discoloration on surfaces, you may be covered by your insurance policy.
You never know when an accident can occur, so it’s best to be preventative with your protection rather than struggling without coverage once something happens. Buying a policy now can save you time, money, and stress later. After all, your work is your passion—and that passion deserves to be protected.
If you have questions about purchasing crafters insurance, our team of licensed agents is available to help. Please give us a call at 844.520.6991.