Artists and crafters are experts in their field. They have the ability to take a blank canvas or paper and make it something amazing. It’s a relatively rare gift and takes great skill and mastery to learn.
Unfortunately, even really creative individuals are not immune to accidents. Artists and crafters need to protect themselves and their work just like any other business. And having insurance is one of the best ways artists and crafters can protect themselves.
There are a lot of insurance companies to choose from, so which one should you choose? We here at ACT Insurance have designed policies specifically for artists and crafters, and while we are a little biased, we really do feel that our insurance is the best option for artists and crafters.
Despite our assurance, we know that those of you who don’t currently have an insurance policy with ACT still probably have some questions and would like to learn a little more before you spend your hard-earned money on an insurance policy.
The following are answers to 7 of the most frequently asked questions about ACT Insurance – and insurance for artists and crafters in general.
Why do I even need insurance? This might be the question that artists and crafters ask themselves the most. It is a fair question to ask, and it is one that obviously has to be answered before you purchase a policy. To answer this question, we want to ask you a few questions first. Do you have enough money in your bank account to cover medical expenses if someone is hurt in your booth at an art fair? If your booth collapses and damages the booth or products of an artist next to you, are you able to pay the expenses that will come? Is the event you are attending requesting insurance from you? These are just a few scenarios that could happen to you during your career. The good news is that insurance can help in these and many other instances.
What is the difference between ACT’s Show Policy and the Annual Policy? The Show Policy is designed to meet the requirements of most venues and art fairs and festivals. It offers coverages for as little as 1-3 days and up to 90 days. The policy starts at $49. The Annual Policy offers more comprehensive coverages than the Show Policy and lasts for 12 months. The Annual Policy starts at $279.
Do I qualify for an ACT policy? The majority of artists and crafters living in the United States qualify for an ACT policy, and the odds are very good that you are one of them. We do, however, have some exclusions to our policies that we cannot respond to. Click here to view a list of exclusions for our Show Policy and also for our Annual Policy. Here’s the good news: If your profession or technique is not in our exclusions list, you qualify.
What is an additional insured and why would I need it? An additional insured is a person or organization that is added to the policy and who is protected with your policy in case they are sued by people who were harmed because of your actions. For example, if someone slipped in your booth and broke their arm, the injured person could sue you and the venue. Since the venue is added as an additional insured, your insurance policy would protect both you and the venue in the suit. The reason you would need to add an additional insured is that a landlord or an event director for a fair or festival asks you to add them. This is a common request, so you shouldn’t be worried if they ask. Here’s some more good news: Adding additional insureds to ACT policies is free.
How much is the deductible for ACT policies? Deductibles can be a pain, but that is not the case with ACT Insurance because there are no liability deductibles. Simple.
If I purchase a policy, when is it effective? We don’t believe in waiting, so once your payment is verified your policy becomes effective. The verification process takes only seconds and in less than a minute after payment you can print off your insurance certificate and other policy documents.
Where is my policy effective? ACT Insurance is available in all 50 states and will follow you throughout the United States. Did you buy a policy in California and then moved to New York? No problem. Your policy goes where you go, provided you follow the licensing and registration requirements in the state where you live.
We hope that you will choose ACT Insurance to help protect you and your arts and crafts business. If you have any other questions or would like to learn more, please contact our customer service representatives at 844-520-6991 or email them at firstname.lastname@example.org.