Coverage crafted for artists and creative small businesses in the studio, online, or at events.
Coverage crafted for artists and creative small businesses in the studio, online, or at events.
Artist insurance is coverage designed to protect your business from third-party claims when you sell or showcase your artwork. This policy is not intended to insure personal art collections, but is created specifically for artists who earn income from their work.
If your creative business causes injuries or damages to others, this coverage can help cover the costs so you don’t have to handle them all out of pocket.
Whether you craft, paint, sculpt, or shape your pieces, artist insurance is built to cover you! It’s made for creative business owners, such as:
ACT Pro
365-day coverage
$24.25/Month
ACT Go
$49/Event
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
Optional Add-Ons
Additional Tools, Supplies, & Inventory Coverage limits available up to $10,000/$50,000.
Cyber Liability Coverage available up to $100,000
Professional Liability is available through the user dashboard with upfront payment.
Pricing
(Or $279 per year)
Extends ACT Pro coverage to makers who sell more than 20% pre-made or non-handmade elements in their products (Or $379 per year)
Coverage for Beauty & Cosmetics, Soap, and Candle Makers
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
Optional Add-Ons
Additional Tools, Supplies, & Inventory Coverage limits available up to $2,000/$2,000.
Pricing
Any artist, maker, freelancer, or creative small business owner who sells or showcases their work can benefit from liability insurance!
Your art should be the center of attention, not the cause of a claim. With the right coverage, you’re free to focus on creating, selling, and sharing your work with confidence — whether at the market, studio, or while shipping pieces to customers.
You need artist liability insurance if you:
Artist liability insurance offers essential coverage against the everyday risks you face. At a minimum, most artists who sell art or interact with the public need general liability insurance, then customize their policies with additional coverages that make sense for their businesses.
ACT Go starts at $49 per event for 1–3 days of coverage, or $149 per event for 90 days of coverage — protecting you for a whole season of shows and gallery exhibits.
Curate your perfect policy with ACT Pro for as low as $24.25 a month and add optional coverages that best suit your creative needs!*
*Additional monthly coverages available only with ACT Pro. Theft & Damage Coverage is available on both plans.
Your creativity never stops — so why let something like a claim get in your way?
ACT was created with artists like you in mind, making it possible to chase whatever comes next without the hassle of finding insurance holding you back.
Unlock the freedom to keep creating with the top-recommended name in arts and crafts insurance.
Yes, you likely need insurance to sell art since most events, galleries, and shows require artists, vendors, and exhibitors to show proof of insurance.
It’s common to need insurance when selling your work online, through other retailers, or when signing a wholesale contract (meaning you sell your artwork in bulk to a buyer or seller).
Many online marketplaces don’t cover liability claims, so it’s best to get insurance before selling on a third-party platform.
No, you can only sell your art without a business license if you don’t sell regularly and are not qualified as a business by your local and/or state laws. You may need to obtain a business license and/or sales tax permit if you:
Learn more about the laws and requirements for your state before you start selling your art.
Yes, artists need a COI (certificate of insurance) to show proof of coverage to events, studios, venues, retailers, and more. You may be required to add these third parties to your COI as additional insureds or show your COI before you can start collaborating.
With ACT Insurance, you can quickly get a COI by purchasing a policy online. After checkout, you receive instant access to your digital COI, which you can then send to any person or business that needs to verify your coverage!
Artist insurance is not designed to cover:
ACT strives to cover artists, crafters, and makers across many mediums, but there are some limits to what our policies can cover! Please see our full list of exclusions for more information.
If you simply need short-term general liability insurance to stay protected while attending an event, ACT Go might be the right fit for you! However, for more robust coverage (general and product liability insurance with optional coverage add-ons) that lasts the full year, ACT Pro is your best choice.
Explore your options: ACT Pro vs ACT Go.
It’s a common term, but “artist insurance” can mean a few things. Many event organizers use it as a shorthand for general liability insurance because that’s often the minimum coverage required for art vendors.
However, artist insurance can include general liability plus other essential coverages, such as product liability, Theft & Damage Coverage, and more!
For the best places to sell your artwork in person, check out our comprehensive directory: Craft Fairs & Vendor Events Near You. We list upcoming events by state and date so you can stay prepped to sell your creations year-round!
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.
