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Starting at
$24.25 /month


Starting at

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ACT Pro Coverage Details

Year-round Coverage Selling Online, In Person, And Much More!

Starting At

$24.25/ Month

Or $279/Year


What Does An ACT Pro policy Do?


Deeper Coverage

With the ACT Pro 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 ACT Pro 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.

General Liability
Add Events Online

Easy Online Management

You can add unlimited  additional insureds online for FREE in just a few clicks. Whether you’re in your studio, selling online, or out at events, you can do it with the confidence of an insured ACT professional.


Sell Your Art Confidently

The ACT Pro 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 ACT Pro 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.

Additional Insureds
ACT Program Benefits

Or $49/Event

Inland Marine Vs Business Personal Property
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:

  1. Sell products online and ship them to customers?
  2. Is your business mobile in nature?
  3. Do you do business away from your main premises where your equipment or inventory is taken with you?
  4. Do you attend fairs and festivals as a vendor?

If you can answer yes to any of these questions an Inland Marine insurance policy is the better coverage for you.
How Does Inland Marine Work?
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.
What Is The Difference Between Direct And Indirect 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:

  • There is a fire in your warehouse caused by an extension cord. Some of your inventory and raw materials are burned and others are damaged by smoke.
  • On your way to a farmers market you are in a vehicle accident that causes your trailer to overturn damaging the items, you planned to sell.
  • The metal shed in your yard collapsed from the weight of heavy snowfall, and the raw materials that were stored in the shed were damaged by the collapse.

Indirect Loss Examples:

  • A branch falls on a power line and cuts power to your warehouse as a result of the power outage the food stored in your refrigerated warehouse spoils.
  • A hurricane passes through your city causing widespread flooding. Your home is flooded by storm water seeping in through your doors. Your products are destroyed by the flood waters.
Helpful Tips & Preventative Measures To Avoid Loss
We have gathered some helpful tips on keeping your business on track and avoiding loss in the event of severe weather.

  • Pay attention to weather alerts and take immediate action to secure your business and its contents.
  • Remove valuables and secure them in your vehicle to take with you if you are evacuated.
  • Be sure to store your items on high shelves off the ground to help prevent damage from flooding.
  • During or just after a heavy snowfall, remove snow from the accessible areas of your roof and outbuildings.
  • Install a generator or other backup power source for refrigeration if you store perishable items as part of your business.

You can manage your policy 24/7 by accessing your dashboard through our website. There you can create certificates of insurance, change your coverage, file a claim, or print copies of your insurance documents.

And our licensed customer service team is standing by to help Monday through Friday from 6 a.m.–6 p.m. MST. You can reach them by phone, email, or chat.
What Are Other Terms Used For Inland Marine?
You may see Inland Marine Coverage phrased a little differently on insurance policies. Some other common terms used are:

  • Tools & Equipment Coverage
  • Gear & Equipment Insurance
  • Tools, Supplies, & Inventory Coverage

Always be sure to read the coverage details and policy terms to ensure you are getting the right kind of coverage for your business.

Did You Know?

An illustrative broken art stand.

of ACT Claims are
3rd Party Property Damage