Annual Policy Coverage Details
Year-round Coverage Selling Online, In Person, And Much More!
Starting At
$279
Annual
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Year-round Coverage Selling Online, In Person, And Much More!
$279
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.
$2,000,000
$1,000,000
The maximum amount your policy may pay for all claims relating to damage to premises rented to you (including contents inside a premise) within 7 days of the start of the policy. After 7 days, this policy only covers damages caused by fires.
$300,000
$5,000
$2,000,000
The maximum amount your policy may pay within a year for claims that violate a person or business’s rights (excluding physical harm).
Offenses include:
-Oral or written publication that slander, libel, or violate a person’s right of privacy
-The use of another’s advertising idea in your advertisement (copyright infringement)
-False arrest, detention, or imprisonment
-Wrongful Eviction or entry
-Malicious prosecution
$1,000,000
$10,000
$5,000
$250
$200,000
$100,000
$1,000
$100,000
$100,000
$1,000
This is the base price for ACT Annual coverage if your gross sales are under $50,000 per year.
$279
This is the base price for ACT Annual coverage if your gross sales are between $50,000 and $100,000 per year. If your sales are over $100,000 per year, please call us at 844.530.6001 to apply.
$389
$125
$54
$99
**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.
Starting at $49/Event Or $279/Year
Inland Marine is a unique type of coverage for your business’s items such as inventory, equipment, and office contents. Many insurance companies offer BPP (business personal property) but the coverage is restricted to your own premise or within 1,000 feet of your premise. Inland Marine on the other hand covers your personal property anywhere it is within the coverage territory. This is a crucial distinction for many businesses. It is important to note that neither of these covers a building or real property.
Does your business:
Unlike general liability, which covers claims for numerous losses, as long as it is not excluded, Inland Marine, like most property policies, is a “named peril” coverage. Named peril coverage only pays for claims caused by specific causes that are listed in the policy. Additionally, those perils must be the direct reason for the loss.
A direct cause of loss is the immediate action that caused loss or damage. An indirect cause of loss is a loss that occurs secondarily. To understand this better here are some examples of direct and indirect losses.
Direct Loss Examples:
We have gathered some helpful tips on keeping your business on track and avoiding loss in the event of severe weather.
You may see Inland Marine Coverage phrased a little differently on insurance policies. Some other common terms used are:
