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Colorado Artist and Crafter Vendor Insurance

ACT Insurance in Colorado

Colorado has one of the top art and crafting communities in the United States. As a member of this community, there are many opportunities for you to sell your work online or at one of the hundreds of festivals held throughout the state. But did you know that when you sell your creations to the public, you need the protection of liability insurance specifically tailored for artists and crafters?

With Artists, Crafters, and Tradesmen (ACT) Insurance, your business finances are protected. We offer two affordable policies that are designed to meet your coverage needs. Choosing the policy that works for you is fast and easy, so you can focus on creating and selling your artwork and crafts.

Need some help getting started? Check out our list below of the top 10 festivals where you can sell your arts or crafts in Colorado.

Top 10 Festivals for Arts & Crafts in Colorado:

  1. Cherry Creek Arts Festival
  2. Downtown Denver Arts Festival
  3. Estes Park Labor Day Arts & Crafts Show
  4. Golden Fine Arts Festival
  5. Handmade in Colorado Expo
  1. Friends of the Library & Museum Craft Fair
  2. Artumn Festival in Crested Butte
  3. Crested Butte Arts Festival
  4. Fall Craft & Gift Show
  5. Affordable Arts Festival

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ACT Show Policy

**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.

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

Medical Expense Limit

$5,000

Pricing (for consecutive days)

1 – 3 Days

$49

7 Days

$99

Up to 90 Days (EZ Renew Option Available)

$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.

We do not currently offer coverage for cannabis events.

Limits of Liability

General Liability Aggregate Limit

$2,000,000

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.

General Liability Each Occurrence Limit

$1,000,000

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

$300,000

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.

Medical Expense Limit

$5,000

Pricing (for consecutive days)

1 – 3 Days

$49

7 Days

$99

Up to 90 Days (EZ Renew Option Available)

$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.

We do not currently offer coverage for cannabis events.

Note: Product Liability and Completed Operations coverages are specifically excluded in the Show Policy. If you need products coverage or are looking for a more comprehensive option, check out our Annual Policy option, which is also designed for those in the art and craft industry!

ACT Annual Policy

The ACT Annual Policy includes even more coverages than are provided in the Show Policy, foremost among them being coverage for your products/completed operations. In addition, you can also add professional liability coverage (which you will need if you teach, host training sessions, or do art demonstrations) and add business personal property insurance (which can cover your supplies, equipment, and inventory). Policies last for 12 months and start at $279.

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 Limit (Per Occurrence)

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 Limit (Per Occurrence)
This limit is the most your coverage will pay on each claim of this type.

$5,000

Optional Tools, Supplies, & Inventory Aggregate Limit
This limit is the most your coverage will pay out on all related claims in one policy period.

$10,000

Optional Tools, Supplies, & Inventory Deductible
Amount of money that the insured must pay before ACT Insurance will pay a claim.

$250

Optional Professional Liability Limit (Per Occurrence)

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 professional liability claim.

$1,000

Optional Cyber Liability Limit (Per Occurrence)

First-party coverage can pay for expenses that directly result from the cyber security breach, such as the cost of restoring or replacing your data. Third-party coverage can pay for expenses that arise as a result of insurance claims against your company

$100,000

Optional Cyber Liability Limit Aggregate Limit

First-party coverage can pay for expenses that directly result from the cyber security breach, such as the cost of restoring or replacing your data. Third-party coverage can pay for expenses that arise as a result of insurance claims against your company

$100,000

Optional Cyber Liability Deductible

Amount of money that the insured must pay before ACT Insurance will pay a claim.

$1,000

Medical Expense Limit

$5,000

Annual Pricing

$0 – $50,000 in Annual Sales

$279

$50,000 – $100,000 in Annual Sales

$375

Optional Professional Liability

$125

Optional Tools, Supplies, & Inventory Coverage (Inland Marine)
Also known as Inland Marine Insurance, this covers tangible property that is moveable or transportable in nature (e.g. tools, supplies, or inventory), but excludes coverage for structures and items part of a structure.

$54

Optional Cyber Liability

Also known as Inland Marine Insurance, this covers tangible property that is moveable or transportable in nature (e.g. tools, supplies, or inventory), but excludes coverage for structures and items part of a structure.

$99

Raise Inland Marine 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.

We do not currently offer coverage for cannabis events.

Annual Limits of Liability

General Liability Aggregate Limit

$2,000,000

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.

Products-Completed Operations Aggregate

$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.

General Liability Limit (per occurrence)

$1,000,000

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.

Personal & Advertising Injury Limit

$1,000,000

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

Damage to Premises Rented to You LImit

$300,000

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.

Optional Tools, Supplies, & Inventory Limit (per occurrence)

$5,000

This limit is the most your coverage will pay on each claim of this type.

Optional Tools, Supplies, & Inventory Limit Aggregate Limit

$10,000

This limit is the most your coverage will pay out on all related claims in one policy period.

Optional Tools, Supplies, & Inventory Deductible

$250

Amount of money that the insured must pay before ACT Insurance will pay a claim.

Optional Professional Liability Aggregate Limit (per occurrence)

$100,000

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).

Optional Professional Liability Aggregate Limit

$200,000

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).

Optional Professional Liability Deductible

$1,000

Amount of money that the insured must pay before ACT Insurance will pay a professional liability claim.

Optional Cyber Liability Limit (per occurrence)

$100,000

First-party coverage can pay for expenses that directly result from the cyber security breach, such as the cost of restoring or replacing your data. Third-party coverage can pay for expenses that arise as a result of insurance claims against your company

Optional Cyber Liability Limit Aggregate Limit

$100,000

First-party coverage can pay for expenses that directly result from the cyber security breach, such as the cost of restoring or replacing your data. Third-party coverage can pay for expenses that arise as a result of insurance claims against your company

Optional Cyber Liability Deductible

$1,000

Amount of money that the insured must pay before ACT Insurance will pay a claim.

Medical Expense Limit

$5,000

Annual Pricing

$0 – $50,000 in Annual Sales

$279

$50,000 – $100,000 in Annual Sales

$375

Optional Professional Liability

$125

Optional Tools, Supplies, & Inventory Coverage (Inland Marine)

$54

Also known as Inland Marine Insurance, this covers tangible property that is moveable or transportable in nature (e.g. tools, supplies, or inventory), but excludes coverage for structures and items part of a structure.

Optional Cyber Liability

$99

First-party coverage can pay for expenses that directly result from the cyber security breach, such as the cost of restoring or replacing your data. Third-party coverage can pay for expenses that arise as a result of insurance claims against your company

Raise Inland Marine 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.

We do not currently offer coverage for cannabis events.

**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.

Click below to purchase or learn more about our

Get Covered In Minutes

Why Choose ACT Insurance?

As an artist or crafter planning to attend the Columbus Arts Festival, you need a policy that can you give the protection your business needs and that offers peace of mind as you go to work each day. ACT Insurance policies offer this protection and peace of mind. It also includes the following benefits:

  • No Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Instant Coverage
  • No Deductible on Liability Claims
  • A+ Rated Insurance Carrier
  • Not Premises Specific
  • And Many More!

Choose ACT today and protect your arts and crafts business with the most affordable insurance and superior coverages in the industry.

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ACT Insurance Is Available in All 50 States

Did you buy a policy in Colorado and then move to a different state? No problem! Your policy follows you wherever you go, provided you follow the licensing and/or registration requirements of the state where you live.