Purchasing insurance through the ACT Insurance Program, you save money on premiums because you are part of a group acquiring insurance directly from a carrier. Programs allow businesses and individuals of similar industries to basically buy insurance in bulk from an insurer, resulting in lower individual premiums. You don't share coverage limits, just savings.
When is my insurance effective?
We don't believe in waiting, so your insurance policy becomes effective immediately after your online payment is verified. The verification process takes only seconds, and voila! You have coverage. You can print your insurance certificate immediately after purchasing and additional insureds can be immediately added at no extra cost.
If I no longer need my insurance, can I get a refund?
All our policies are 100% fully earned, which means there are no refunds.
Who qualifies for this program?
Some programs make it difficult to know whether or not you qualify. Here at ACT, we make it easy.
SHOW POLICY QUALIFICATIONS:
If you are an artist, craftsman, or tradesman, then you qualify. There are some restrictions on types of events or businesses:
Disc Jockeys (DJs)
Christmas Tree Lot
Martial Arts Events
Any Activity Involving Live Animals
Any Activity Involving Motorized Equipment or Vehicles
Political Rallies, Demonstrations, or Events
Narcotic Related Events
Sales or Distribution of Narcotics
Directing, Hosting, Organizing, planning, promoting, or sponsoring a fair, festival, show, or similar event
Three-Dimensional Installation Artwork
Weapon, Knife and Ammunition Exposures
ANNUAL POLICY QUALIFICATIONS:
Because our annual policy is more comprehensive and includes products coverage, there are a few restrictions on who qualifies:
Artists/Painters (Not for Home & Commercial Painting Companies)
If you have a question on whether or not your art or craft qualifies, just give us a call or use our contact form to send us a message and we will get back to you within 24 hours.
Will the costs change over time?
Because you are part of a group insurance program, your business will benefit from the purchasing power of the ACT Insurance Program. It is highly unlikely that your insurance costs will change.
What is an additional insured? An additional insured is a person or organization that is added to your insurance policy by endorsement.
When you add someone to your policy as an additional insured, you are extending your policy coverages to protect the additional insured from a lawsuit that was caused by your negligence.
In other words, if someone slipped in your booth and broke their arm, the injured person could sue you and the venue. Since the venue is added as an additional insured, your insurance policy would protect both you and the venue in the suit.
Can I add an additional insured after I purchase my policy? Yes, Just log into your account on the website, and within minutes you can add the additional insured and print off your certificates.
Is there a cost to add an additional insured? No, there is no cost to add additional insured. You can add as many additional insureds as needed and send them certificates accordingly. All you have to do is log back into your account, and under the policy screen click add additional insured.
What is a deductible?
A deductible is the amount of the loss that is your responsibility. For example, if you have a theft claim of $750, you will be responsible for $250 of the claim. The insurance company will pay you $500. Remember that with the ACT policy there is no liability deductible.
If you purchase an annual policy with ACT, you qualify to purchase additional excess limits. Additional excess limits allow you to increase the total of your general liability limits on your insurance policy. For only $500, you can purchase an increase of an additional $1,000,000 in coverage. After purchase, your per occurrence and aggregate limits each increase by $1,000,000.
Does my policy automatically renew?
Yes. If you are an annual policy holder, you are enrolled in EZ-Renew by default. This means your policy will automatically renew on the last day of your policy so you can avoid any gaps in your coverage. You can log in to your online account to turn of automatic renewal through EZ-Renew at any time.
How do I renew my policy?
To manually renew your policy, login to your online account. Click on “My Policies” then click the “Renew” button next to your expiring policy number. The renew button will only be available within 30 days of policy expiration date. Click that button and follow the directions.
Is the renewal price the same as the purchase price?
Yes, the renewal price is the same as the current purchase price.
Will I get renewal reminders?
Yes, you will receive reminders to renew your policy. Automatic reminders are emailed to you 30 days, 15 days, and the day before your policy expires.