What Is the Best Artists & Crafters Insurance Option for You?

Not sure which policy you need? While both options are offered through an A+ rated insurance carrier, our comparison chart below will help you decide which one will work best for you.

	Annual Policy	Show Policy
24/7 Access to Policy Documents
Licensed in All 50 States
Not Premises Specific
$2M General Liability Aggregate
$1M General Liability Per Occurrence
$5K Medical Expenses
Coverage for Damages to Premises Rented to You	$300K Limit	$100K Limit
Coverage While Selling at Events, Festivals, and Shows
No Deductible on Liability Claims
12 Months of Coverage		1-90 days
Products & Completed Operations Coverage	$1M Limit
Business Personal Property Coverage	$5K/$10K Limits
Personal & Advertising Injury Coverage	$1M Limit
General Liability for Online Sales
Optional Professional Liability

A Few Things to Consider

When you compare our two artists insurance options, it's easy to see that the Annual Policy is much more comprehensive. While both policies share many of the same benefits, our Show Policy is best suited for artists and crafters who only attend a few shows per year.

If you attend multiple shows throughout the year, then the Annual Policy will be both more affordable and convenient since you won't need to purchase coverage for each event. The Annual Policy also offers more coverage than the Show Policy, including products & completed operations coverage, as well as the option to add professional liability coverage. Professional liability is necessary if you perform any kind of art demonstrations or if you teach training sessions, host workshops, or instruct others through arts and crafts classes or online videos.

The Show Policy excludes product liability coverage, which means that any bodily injury or property damage caused by your products is not covered. For example, if you sell someone a piece of jewelry and that person has an allergic reaction, you could potentially be held personally liable, because without product liability coverage, your insurance would not respond to the claim. However, the Annual Policy includes product liability coverage and could respond to these types of claims.

For more details on coverages, visit our Show Policy Details or Annual Policy Details pages. You can also contact us, and we'll be happy to help you evaluate your options so you can make the right choice.