Annual Policy Vs. Show Policy—What’s The Difference?

Beautiful pieces of work? Created. Perfect display setup? Check. Vendor fees? Paid. Certificate of Insurance? Not quite yet…

When preparing to sell your carefully crafted pieces, getting insurance is usually the least exciting part. While it may not be at the top of your list, having top-rated artist insurance is one of the most important investments you can make. But how do you know what kind of policy you need?

For more than a decade, ACT Insurance has made successfully protecting artists, crafters, and tradesmen our top priority. We have created two low-cost policies that you can purchase online in minutes. Both our annual ACT Pro policy and short-term ACT Go policy meet most vendor requirements and help protect you from costly claims.

What is an ACT Pro policy?

Designed with creatives like you in mind, the ACT Pro policy offers a robust range of customizable coverage options. Not only do you have year-round protection, you have the option to add an unlimited amount of additional insureds and product liability coverage.

The best part? Coverage starts at just $24.25 per month! That’s less than a dollar a day.

You will receive your own Certificate of Insurance that helps you meet vendor eligibility requirements when attending shows, fairs, markets, exhibitions, and other types of events.

Available only to those who purchase an ACT Pro policy, we highly recommend adding cyber liability insurance to your coverage. In the case of a cyber-attack, having this policy can help you recover lost or stolen information.

What is an ACT Go policy?

For those who only attend a few events each year, the ACT Go policy allows you to customize your policy term.

The 1–3 day policy starts at just $49 per event.

You get to choose what day your coverage starts and how long you want the coverage to last. Our standard ACT Go policy covers you for 1-3 consecutive days, or there’s the option for a 7-day policy. We even offer a 90-day coverage option, which is ideal if you plan on attending several events in one season.

Just like the ACT Pro policy, you have immediate coverage from the start date you select and 24/7 access to policy documents—including your Certificate of Insurance. You are also covered nationwide* and have the option to add an unlimited number of additional insureds for free.

However, the ACT Go policy does have some exclusions. If you are looking to cover your business for demonstrations, protect your equipment and supplies, or insure the products you sell, our ACT Pro policy allows you to customize your coverages.

Which policy do I need?

While each of our policies are offered through an A+ rated insurance carrier, it really comes down to how much coverage you need and for how long.

Easily compare both options and find the right coverage for you below:

	ACT PRO POLICY	ACT GO POLICY
24/7 Access to Policy Documents
Licensed Nationwide*
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
Optional Tools, Supplies, & Inventory Coverage	$5K/$10K Limits
Personal & Advertising Injury Coverage	$1M Limit
General Liability for Online Sales
Optional Professional Liability

Stay Protected With ACT

Whether you select the show or annual policy, ACT has your back. For over a decade, we have helped thousands of artists, crafters, and tradesmen access events, grow their businesses, litigate claims, and stay protected from the unexpected. Your craft deserves to be covered.