Exclusions for The Annual Policy

While we strive to help as many people as possible get the insurance they need, we regret that there are some things we cannot insure. Below is a list of coverages EXCLUDED in the Annual Policy that ACT Insurance will not respond to:

For help finding coverage for excluded businesses listed below please contact us at 844.520.6991.

• Disc Jockeys (DJs)
• All Ingestible Food or Drink Products – For food & beverage liability insurance visit fliprogram.com.
• Any Product Requiring a Prescription
• Architecture or Design Professionals
• Art Galleries
• Artisan Contractors
• Beauty or Health Services that are provided by an insured for a fee
• Candles Including Liquid Fuel Gel or Wax Melts
• Children’s Furniture
• Children’s Toys
• Commercial Painters
• Construction Operations
• Directing, hosting, organizing, planning, promoting, or sponsoring of a fair, festival, show, or similar event
• Drugs
• Medical Equipment/Devices
• Medical Invasive Products Intended to Stay in the Body
• Nutraceuticals
• Performing Artists
• Portrait Photography – For photography insurance, visit fullframeinsurance.com
• Videographers – For videographer insurance, visit fullframeinsurance.com
• Musicians
• Pharmaceuticals
• Products Designed for Infants, Toddlers, or Children
• Retail Storefronts – Premises May Be Owned or Leased Mainly for Use for Working and Not for Retail Sales
• Saddles, Harnesses, or Horse Furnishings
• Salon or Spa Operations
• Sporting Goods/Equipment
• Tattoo Artists
• Theater or performing arts shows
• Three-Dimensional Installation Art
• Tobacco Related Products
• E-Cigarettes and Smokeless Products (visit our trusted partner)
• Topical Products such as Cosmetics, Lotions, or Soaps—For insurance visit soapguildinsurance.com
• Vitamins, Supplements, or Suppositories
• Weapons, Knives, or Ammunition