Why Artists and Crafters Need Vendor Insurance

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.

Pricing (for consecutive days)
1 - 3 Days	$49
4 Days	$59
5 Days	$69
6 Days	$79
7 Days	$89
Up to 90 Days	$99

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.

Limits of Liability
General Liability Aggregate Limit	$2,000,000
General Liability Each Occurrence Limit	$1,000,000
Damage to Premises Rented	$300,000

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.

Pricing
$0 - $50,000 in Annual Sales	$265
$50,000 - $100,000 in Annual Sales	$375
Optional Professional Liability	$125
Raise BPP limits to $10,000/$50,000	$185

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.

Limits of Liability
General Liability Aggregate Limit	$2,000,000
Products-Completed Operations Aggregate Limit	$2,000,000
General Liability Each Occurrence Limit	$1,000,000
Damage to Premises Rented to You Limit	$300,000
Business Personal Property Limit (Per Article)	$5,000
Business Personal Property Aggregate Limit	$10,000
Business Personal Property Deductible	$250
Optional Professional Liability Per Occurrence Limit	$100,000
Optional Professional Liability Aggregate Limit	$200,000
Optional Professional Liability Deductible	$1,000

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 $265 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.