Product liability insurance from ACT starts at $24.25/month.
You sell handmade goods, and you keep hearing about something called “product liability insurance.” If you’re wondering about the product liability insurance cost for artists and crafters — and if you really need it — you’re not alone!
Ahead, learn all about the cost of artists product liability insurance, factors that influence how much you pay, and where to get the most affordable plan that doesn’t skimp on coverage.
What Is Artists’ Product Liability Insurance?
Product liability insurance for crafters covers injuries or property damage caused by a product you made or sold.
Example: A customer claims your beaded necklace broke, causing the pendant to fall within reach of their pet, leading to a choking incident. Product liability is designed to cover a claim like this.
New to product liability? Start with our full guide.
Curious about what it covers? Check out claims examples.
How Much Product Liability Insurance for Crafters Costs
Artist insurance with product liability coverage can cost $300+ per year. See how ACT’s pricing compares to other policies.
Product Liability Insurance Cost Comparison
| Insurer | Starting Annual Cost | Starting Monthly Cost | Coverage |
|---|---|---|---|
|
ACT Insurance
|
✔️$279/annual
|
✔️$24.25/month
|
✔️$2 million in annual coverage
|
|
NEXT Insurance
|
❌$330/annual |
❌$27.50/month
|
❌Only $1 million in annual coverage |
|
Thimble |
❌$362.50/annual |
❌$24.38/month (plus $100 transaction fee)
|
❌Only $1 million in annual coverage |
|
Zinc Insurance
|
❌$372/annual
|
❌not available
|
❌Only $50,000 in liability coverage |
*Information based on sample quotes received online in June 2025. Coverage limits and pricing may vary by provider, state, and eligibility. Higher coverage limits may be available through Next and Thimble at an additional cost. Always review each provider’s terms and obtain a personalized quote for the most accurate information.
ACT offers product liability insurance through ACT Pro, a comprehensive year-round policy that protects your creative business with general and product liability coverage combined.
The product liability insurance cost for artists and crafters starts from just $24.25/month or $279/year! In the chart above, you’ll see that ACT offers the highest coverage at the lowest price on the market.
What Affects Product Liability Insurance Costs
Most insurers factor the following to calculate your premium:
- Product risk
- Claims history
- Annual revenue
- Business structure
- Additional coverage
- Sales method (online vs. in person)
- How long you’ve been in business
For example, an artist who just started selling abstract metal sculptures both online and at large markets might pay more for insurance than a digital artist who only sells prints online.
Simplify Product Liability Insurance Pricing With ACT Pro
From counting inventory to fulfilling orders, you deal with enough numbers while running your handmade business. ACT simplifies pricing, so you can focus on crafting more sales.
ACT’s product liability insurance cost is based solely on your annual revenue. Just select your annual sales band:
- $0 – $50,000
- $50,001 – $100,000
- $100,001 – $150,000
- $150,001 – $200,000
Your final cost depends on:
- Any optional coverages you add (like workshop and class coverage or cyber liability)
- Whether you want to pay monthly or annually (paying upfront for the year saves you in the long run!)
Calculating your ACT policy cost is easier than getting a perfect product image or explaining for the 10th time that, yes, everything is handmade — it truly just takes a few clicks online.
ACT Pro Coverage Limits
You wouldn’t under-fire a piece and hope it holds — and you shouldn’t count on low coverage limits to protect you over time.
ACT Pro offers:
- $1 million in coverage per claim (occurrence)
- $2 million in coverage for the whole policy year (aggregate)
Remember: ACT offers $1 million more in coverage compared to some other product liability policies on the market!
Optional Coverages
Your ACT Pro policy includes general and product liability insurance to protect you from common artist and crafter claims.
What’s the difference? General liability insurance is for accidents like slip-and-falls at your business. Product liability insurance is specifically for any damages your products cause.
Enhance your coverage with these optional add-ons:
- Theft & Damage Coverage: (from +4.50/month) Covers your tools, supplies, and inventory in case of theft or damage
- Workshop & Class Coverage: (+$10.42/month) Covers your professional services if you teach or host live demonstrations
- Data Breach Coverage: (+$8.25/month) Pays for the aftermath of a cyber attack, such as damages caused by stolen customer data
Adding an additional insured extends your coverage to event organizers or venues in case of a shared claim — adding these is always free and unlimited with ACT!
Products Covered
ACT Pro covers:
- Fine artSculpturesArt printsClothingJewelryCeramicsWood artMetal artGlass artPaper craftsLeather goodsHome decorPet accessoriesPlus much more!
Where You’re Covered
ACT keeps up with your creativity — you’re covered for online and in-person sales.
Many event organizers and online marketplaces require proof of insurance before accepting you as a vendor. When you purchase liability insurance from ACT, you get an instant certificate of insurance (COI) to show you’re properly covered!
Is the Cost of Arts and Crafts Product Liability Insurance Worth It?
Short answer: Yes, it’s so worth it.
- The cost of annual coverage can protect you from a $100,000+ lawsuit
- Many shows require insurance — don’t lose out by being unprepared
- The right product liability insurance gives you confidence to grow your business
Done crunching the numbers? Get peace of mind with ACT Pro today.
FAQs About Artists’ Product Liability Insurance
What’s the Average Cost of Product Liability Insurance?
Do I Need Product Coverage if I Only Sell Online?
Absolutely! Injuries and property damage can happen from products shipped anywhere. Once a product is out of your hands, you’re at risk of shipping accidents, misuse of products, and more.
Can I Get Short-Term Product Liability Coverage for an Event?
Some insurance companies offer event-based product liability coverage, but if you sell year-round, an annual policy offers better protection and is typically more affordable.
Look for an occurrence-based policy (like ACT Pro) that allows you to file claims at any time, as long as the incident happened while your policy is effective.
