Vendors across the country put their trust in “A+ Rated” insurance coverage provided by Artists, Crafters, and Tradesman (ACT) Insurance. Our vendor insurance policy is tailored to meet the unique needs of each vendor. So, whether you are promoting your work at one show or multiple shows this year, we have the insurance policy for you.
Below we’ll breakdown why you need vendor insurance as you interact and promote at events. We’ll discuss what is included in a show and annual policy, as well as highlight the different coverages they contain. Plus, we’ll explain how you can purchase a policy online in less than 10 minutes.
Why Do I Need Vendor Insurance?
What Does Vendor Insurance Cover?
ACT understands each vendor has different needs when it comes to insurance; that is why we offer two event liability options.
ACT Show Policy
Show Policy Limits of Liability
General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
Damage to Premises Rented
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Show Policy Pricing (for consecutive days)
1 – 3 Days
$49
4 Days
$59
5 Days
$69
6 Days
$79
7 Days
$99
Up to 90 Days
$149
**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.
Annual Event Policy
Annual Limits of Liability
General Liability Aggregate Limit
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned.
$2,000,000
General Liability Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
Personal and Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person's right of privacy
-The use of another's advertising idea in your advertisement
$1,000,000
Damage to Premises Rented to You Limit
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Optional Business Property Limit (Per Article)
Business Personal Property covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure.
$5,000
Optional Business Personal Property Aggregate Limit
Business Personal Property covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure.
$10,000
Optional Business Personal Property Deductible
Amount of money that the insured must pay before ACT Insurance will pay a claim.
$250
Optional Professional Liability Per Occurence Limit
Professional Liability Coverage protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes on your part (errors) or because you failed to perform some service (omissions).
$100,000
Optional Professional Liability Aggregate Limit
Professional Liability Coverage protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes on your part (errors) or because you failed to perform some service (omissions).
$200,000
Optional Professional Liability Deductible
Amount of money that the insured must pay before ACT Insurance will pay a claim.
$1,000
To qualify for ACT’s annual event policy, your annual gross sales must be under $100,000. If you do have more than $100,000 gross sales per year, contact the ACT customer service team for additional insurance options at 844-520-6991.
Annual Pricing
$0 – $50,000 in Annual Sales
$279
$50,000 – $100,000 in Annual Sales
$375
Optional Professional Liability
$125
Optional Business Personal Property (Inland Marine)
$54
Raise BPP Limits to $10,000/$50,000
$185
**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.
How Do I Get Vendor Insurance?
ACT makes insurance easy for vendors with affordable policies that fit the needs and lengths of each event. If you are ready to protect yourself for an upcoming event or for all the events you will vend at this year, you can purchase your policy online in minutes.
Annual policies start at only $279 a year. Show policies provide excellent general liability protection starting at $49 for 1–3 days, but can be extended to 90 days for a low additional premium.
Starting at $49
Starting at $279/year
