Menu
Our Artists, Crafters, and Tradesmen (ACT) program offers insurance for handmade jewelry makers. Our policies were designed to help small businesses and self-employed crafters get the affordable liability insurance that they need.
ACT offers two different policies: an annual policy and a show policy. The annual policy is ideal for jewelry makers who attend more than one show a year. It offers the most comprehensive jewelry maker insurance because it includes additional coverage including such as the option to add business personal property and product liability.
The show policy offers coverage that is perfect for a jewelry maker who only attends one or two shows a year and does not need the additional coverage of the annual policy.
To learn more about our ACT policies to see which is right for you, please visit our Comparison Page.
Jewelers are not the only people that can benefit from having an ACT Insurance policy. We offer liability coverage for many other artists, crafters, and tradesmen, including:
Handmade jewelry makers insurance is a policy designed to help you pay for claims arising from bodily injuries and property damage.
Whether you sell your jewelry at events, in stores, or online, accidents can still occur and leave you financially responsible for medical bills, legal fees, repair costs, and more. Having insurance can help to lower (or eliminate) what you owe for a liability claim.
Depending on the type of insurance plan you choose, a short-term show policy or an annual policy, the limits of liability and types of coverage can vary. The show policy is made for vendors and exhibitionists who only need 1–90 days of consecutive general liability insurance—whereas the annual policy is for jewelers who manage their business online, need general and product liability insurance, and year-round coverage for events.
Please see the Show Policy and Annual Policy coverage details to learn more.
The ACT Show policy starts at $49 and the ACT Annual policy starts at $279. All policies include FREE unlimited additional insureds.
Based on your policy type, your total costs may vary. Please see the charts below to view the different options available.
$0 – $50,000 in Annual Sales
$279
$50,000 – $100,000 in Annual Sales
$375
Optional Professional Liability
$125
Optional Business Personal Property (Inland Marine)
$54
Raise BPP Limits to $10,000/$50,000
$185
**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.
1 – 3 Days
$49
7 Days
$99
Up to 90 Days (EZ Renew Option Available)
$149
Yes! Your work is a valuable asset that deserves to be insured the same way you would your home, vehicle, or health. A single claim can lead to hundreds (or thousands) of dollars in bills, legal fees, or even damage to your reputation.
Most events, stores, and online marketplaces also require you to carry liability insurance. For events, you typically need to show proof of insurance and hold a current general liability policy. This helps to insure you against claims of slips, trips, and falls. It’s also beneficial in the event of unexpected weather conditions.
If you sell handmade jewelry in stores or online marketplaces (like Etsy, Jane, or Amazon), you need a plan that offers both general and product liability insurance. This goes beyond covering claims caused by your business operations. If your work injures someone or damages their property, such as rashes from metal or discoloration on clothing, you may be covered by your insurance policy.
You never know when an accident can occur, so it’s best to be preventative with your protection rather than struggling without coverage once something happens. Buying a policy now can save you time, money, and stress later. After all, your work is your passion—and that passion deserves to be protected.
No, permanent jewelry is not covered at this time.
Annual Policy
Show Policy
24/7 Access to Policy Documents
Licensed in All 50 States
Not Premises Specific
$2M General Liability Aggregate
$1M General Liability Per Occurrence
$5K Medical Expenses
$300K Coverage for Damages to Premises Rented to You Limit
Coverage While Selling at Events, Festivals, and Shows
No Deductible on Liability Claims
12 Months of Coverage
1-90 days
(optional EZ Renew)
Products & Completed Operations Coverage
$1M Limit
Optional Business Personal Property Coverage (Inland Marine)
$5K/$10K Limits
Personal & Advertising Injury Coverage
$1M Limit
General Liability for Online Sales
Optional Professional Liability
**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.