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Home - Blog - WHY ARTISTS AND CRAFTERS NEED VENDOR INSURANCE

Why Artists And Crafters Need Vendor Insurance

  • February 13, 2018
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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?

Venues and promoters often require vendors to have proof of insurance in order to showcase at their event. This protects vendors against claims filed for bodily injury or property damage from a third party. Events attract large crowds. With a steady stream of people walking in and out of booths, people often trip and injure themselves or accidentally fall and break an item being sold. Should a participant decide to file a claim for an accident involving you and your booth, vendor insurance could provide coverage for accidents and negligence. Vendor insurance protects the business you love and provides you peace of mind as you interact with inspiring artists, clients and promoters at events this year.

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

Vendors planning to attend and promote at a single event can purchase vendor insurance under ACT’s Show Policy. Vendors have the ability to select a policy length from the options below. ACT’s show policy meets most venue insurance requirements, and provides short-term general liability coverage for vendors.
Buy A 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.

$1,000,000

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

General liability protects vendors from claims filed for bodily injury and property damage from a third party. This policy typically covers legal fees and medical costs associated with settlements.

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.

It is important to note that products and completed operations is specifically excluded in the show policy. If you need products coverage, or you are looking for a more comprehensive policy, check out our annual policy

Annual Event Policy

ACT’s annual event policy provides a more robust set of coverages. This policy includes coverage for your products’ liability exposures, general liability, and coverage for your business personal property while you’re vending at a tradeshow, fair, or exhibition.

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

Products-Completed Operations Aggregate Limit

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.

Still not sure which policy is the best fit for you and your business needs? While both options are offered through an “A+ Rated” insurance carrier, you can find a comparison chart detailing what is included and excluded in the show and event policy. If you have any remaining questions, you can contact a customer service representative.

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.

Buy A Show Policy

Starting at $49

Buy An Annual Policy

Starting at $279/year

Annual / Show policies

Show policies

starting at
$49
Buy policy

Annual policies

starting at
$279
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See What People Are Saying

Excellent insurance. Fast and straightforward.
Obtaining insurance for my event was fast and seamless. Thank you for allowing me time to focus on my art and less on logistics.
Lisa Q.Real People. Real Artists.
We Love Act Insurance
We have used Act Insurance for a couple of years now.... ...We immediately have access to our policy and any past policies are kept in your online account for future reference if needed. It makes things so easy and they have been very reliable! Definitely recommend using them.
R.B.Real People. Real Artists.
I spoke with Melissa who was awesome in helping me. She was understanding of my concerns and took the time to answer all of my questions and was extremely professional.
Peggy L.Real People. Real Artists.
Easy And Fast To Get Covered
Very easy to get covered through Act Insurance! It was cheaper than other places I checked and they were very quick in getting us covered.
Cheryl C.Real People. Real Artists.
Great Service!
The online process was fast and efficient. They provided all tge necessary documents I needed.
Trusted CustomerReal People. Real Artists.
Easy To Use And Keep In Place At An Affordable Price
I have referred fellow crafters to it, as the policies which they were getting through their regular insurance agents were over twice as much and did not cover as much.
Lynn W.Real People. Real Artists.
It Was So Very Fast And Easy! TY
It was a very user friendly transaction! I thank you!
Trusted CustomerReal People. Real Artists.
Highly Recommend
Website is easy to use; process is simple and straightforward. This is my second time purchasing a short-term policy and would definitely do it again.
Patricia N.Real People. Real Artists.
Good Communication, Ease Of Policy Renewal
Emails alerted me clearly about policy renewal and allowed me to do nothing in order for the rollover to occur — very easy!
Trusted CustomerReal People. Real Artists.

Contact Us

ACT Insurance

(Artists, Crafters & Tradesmen)
260 South 2500 West Suite 303
Pleasant Grove UT, 84062

  • 844.520.6991
  • info@actinsurance.com

All policies have conditions, limitations and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.

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