We get a lot of questions from artists and crafters wondering if they need an annual liability insurance policy or if they should just buy a short-term event policy. It comes down to how often you attend events and how much coverage your business requires.
ACT Pro Gets You Unlimited Event Protection + Extra Coverage Options
If you are an artist, liability insurance might be the last thing on your list of things to think about. When it comes time to purchase insurance for an art show or craft fair, you might just buy an ACT Go policy for it’s quick coverage and cheaper price tag.
The ACT Go policy is a great option if you only attend one or two events a year, but if you attend more than two events a year or if you need additional coverage, the ACT Pro policy could be the better choice.
As you might have surmised, the ACT Pro policy covers you for a year so you don’t have to worry about buying a new policy before you attend each show or festival. It also includes product liability coverage and offers additional coverage, such as protection for theft or damages to your stuff. This coverage is excellent for arts and crafts professionals!
ACT Pro Includes General & Product Liability Insurance
The ACT Pro policy offers coverage if a product causes someone personal injury. For instance, if you sell someone a bracelet or necklace and that person has an allergic reaction, you could potentially be held liable. ACT Pro is the policy that could offer insurance coverage in those kinds of situations.
If you would like to see a complete comparison of the ACT Pro policy and the ACT Go policy, click here.
The point of all of this is, if creating and selling art at shows, festivals, and other events is part of your life, if it is your business, the annual insurance policy is probably the best option for you.
