Vendors across the country put their trust in top-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 break down why you need vendor insurance as you interact and promote at events. We’ll discuss what is included in a Go and Pro 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 Go Policy
Vendors planning to attend and promote at a single event can purchase vendor insurance under the ACT Go Policy.
Vendors have the ability to select a policy length from the options below. The ACT Go policy meets most venue insurance requirements and provides short-term general liability coverage for vendors.
ACT Go 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
ACT Go 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 product liability is specifically excluded from the ACT Go policy. If you need product coverage, or you are looking for a more comprehensive policy, check out our ACT Pro policy.
ACT Pro Policy
The annual ACT Pro policy provides a more robust set of coverages. This policy includes coverage for product liability, general liability, and the option to insure your business personal property against theft and damages while you’re vending at a tradeshow, fair, or exhibition.
ACT Pro Limits of Liability
General Liability Limit (per year)
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 Limit (per year)
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 (per claim)
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 Tools, Supplies, & Inventory Coverage (per item)
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 Tools, Supplies, & Inventory Coverage (per year)
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 Tools, Supplies, & Inventory Coverage Deductible
Amount of money that the insured must pay before ACT Insurance will pay a claim.
$250
Optional Professional Liability (per claim)
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 (per claim)
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 the ACT Pro policy, your annual gross sales must be under $100,000. If you do have more than $100,000 in gross sales per year, contact the ACT customer service team for additional insurance options at 844-520-6991.
ACT Pro Pricing (Monthly)
$0 – $50,000 in Annual Sales
$24.25/month
$50,000 – $100,000 in Annual Sales
$33.42/month
Optional Professional Liability
+ $10.42/month
Optional Tools, Supplies, & Inventory Coverage (Inland Marine)
+ $4.50/month
Raise BPP Limits to $10,000/$50,000
+ $15.42/month
**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 a top-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.
ACT Pro policies start at only $24.25 a month. ACT Go 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/event
Starting at $24.25/month
