Annual Policy vs. Show Policy—What’s The Difference?
Beautiful pieces of work? Created. Perfect display setup? Check. Vendor fees? Paid. Certificate of I... MORE
ARTIST INSURANCE
As an artist, you’ve worked hard to create pieces that connect on an emotional level with your customers. Accordingly, at Artist, Crafters, & Tradesman Insurance, we created two policies to meet your needs. Both options are available in all 50 states and provide $1 million per occurrence and a $2 million aggregate general liability limit.
Read an overview of our artist insurance policy.
ANNUAL INSURANCE
The ACT annual artist insurance policy is excellent for those who attend multiple shows every year and offers broader coverage than the show/event policy. Starting at $265 per year, some of the highlights include:
- No liability deductible
- General & Product liability coverage
- Coverage for supplies, equipment, products
- Optional professional liability
To buy an annual policy, click here.
SHOW & EVENT INSURANCE
If you only attend a few shows every year, and aren't worried about professional coverage or product liability coverage, then the show policy might be the artist insurance coverage for your business. The policy starts at $49 and some policy highlights include:
- Terms as short as 1–3 days
- $1M per occurrence with a $2M Aggregate General liability Limits. (Product and professional liability excluded)
- Meets most show & event venue requirements
To purchase a Show Policy, click here.
Which Policy Best Meets Your Needs?
| Annual Policy | Show Policy | |
|---|---|---|
| 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 | |
|
| Coverage for Damages to Premises Rented to You | $300K Limit |
$300K Limit |
| Coverage While Selling at Events, Festivals, and Shows | |
|
| No Deductible on Liability Claims | |
|
| 12 Months of Coverage | |
1-90 days |
| Products & Completed Operations Coverage | $1M Limit |
|
| Business Personal Property Coverage | $5K/$10K Limits |
|
| Personal & Advertising Injury Coverage | $1M Limit |
|
| General Liability for Online Sales | |
|
| Optional Professional Liability | |
**Please note these are brief definitions of coverage and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Common Artist Insurance Questions
Artist insurance is designed to protect you from liability exposures while you sell or showcase your work at fairs and festivals. An ACT Insurance Show Policy allows you to customize your coverage term for as little as 1–3 consecutive days or for as long as 90 days. The Annual Policy gives you insurance coverage for a full 365 days.
An ACT Show Policy starts at $49 for 1–3 days, but it can be extended to 90 days for $99. However, if you are an artist who will be attending many shows throughout the year, you might consider an ACT Annual Policy, which is only $265—less than a dollar per day!
The short answer is yes. An ACT Insurance policy adds credibility and positions you as a professional. However, there are other reasons artists need insurance. If you take your art to shows and fairs, many times directors will require you to have liability insurance policy and add them as an additional insured.
STILL HAVE QUESTIONS?
If you have questions about purchasing artist insurance, we have licensed insurance agents available to help. Please give us a call at 888.568.0548.
INSURANCE FOR ARTISTS, BUT ALSO CRAFTERS & TRADESMEN
Beside the Artists Insurance Coverage, ACT provides policies for many others in the art and craft industry, including:
ACT program benefits
- No Quote Process
- 24/7 Access to Policy Documents
- Convenient Online Purchasing
- Licensed In All 50 States
- Instant Coverage
- No Deductible on Liability Claims
- A+ Rated Insurance Carrier
- Not Premise Specific
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