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, or visit our trusted partners linked below.

• 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 – For beauty & bodywork liability insurance, visit insurebodywork.com
• Candles Including Liquid Fuel Gel or Wax Melts – For candle insurance, visit  indiebusinessinsurance.com
• CBD-Related Events – For CBD event insurance, visit insurancecanopy.com
• CBD products — For CBD insurance, visit insurancecanopy.com
• Children’s Furniture
• Children’s Toys
• Commercial Painters
• Construction Operations
• Directing, hosting, organizing, planning, promoting, or sponsoring a fair, festival, show, or similar event
• Disc Jockeys (DJs) – For DJ liability insurance, visit insurancecanopy.com
• Drugs
• E-Cigarettes and Smokeless Products – For vape insurance, visit vapeinsurancepros.com
• Medical Equipment/Devices – For insurance, visit insurancecanopy.com
• Medical Invasive Products Intended to Stay in the Body
• Musicians – For musician insurance, visit insurancecanopy.com
• Murals
• Nutraceuticals – For insurance, visit insurancecanopy.com
• Performing Artists — For performing artist insurance, visit insurancecanopy.com
• Pharmaceuticals
• Portrait Photography – For photography insurance, visit fullframeinsurance.com
• 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 – For salon & spa insurance, visit insurebodywork.com
• Sporting Goods/Equipment – For insurance, visit insurancecanopy.com
• Tattoo Artists
• Theater or performing arts shows
• Three-Dimensional Installation Art
• Tobacco-Related Products
• Topical Products such as Cosmetics, Lotions, or Soaps – For beauty product insurance, visit soapguildinsurance.com
• Videographers – For videographer insurance, visit fullframeinsurance.com
• Vitamins, Supplements, or Suppositories – For vitamin insurance, visit insurancecanopy.com
• Weapons, Knives, or Ammunition