Annual Policy Coverage Details
Year-round Coverage Selling Online, In Person, And Much More!
Starting At
$24.25/ Month
Or $279/Year
Annual
Policies
Policies
Year-round Coverage Selling Online, In Person, And Much More!
$24.25/ Month
Or $279/Year
With the ACT annual policy, you get coverage for General Liability as well as products/completed operations. The annual policy provides you with the necessary coverage to sell your products in person at your store, at a show, or market, as well as to anyone online.
Plus, with the annual policy you have the option to include professional liability insurance, which provides coverage if you teach, host training sessions, do art demonstrations, or hold anything similar virtually. You can also optionally add Tools, Supplies, & Inventory Coverage (Inland Marine) to your policy to protect the items you use to run your business and create your work.
The ACT annual policy provides each insured with their own certificate of insurance and dedicated liability limits. To put it simply, you will not share limits with other ACT insureds. Another benefit of the ACT annual policy is that there is no liability deductible.
ACT has your back, so you can spend less time worrying about business risks and more time creating what you love.
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
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
$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
$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
$300,000
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
$5,000
Amount of money that the insured must pay before ACT Insurance will pay a claim.
$250
$200,000
$100,000
$1,000
$0 – $50,000 in Annual Sales
$50,000 – $100,000 in Annual Sales
Optional Professional Liability
Optional Cyber Liability
$8.25/Month
*Additional Tools, Supplies, & Inventory Coverage limits available up to $10,000/$50,000.
**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.
Starting at $49/Event or $24.25/Month