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Massachusetts Artist and Crafter Vendor Insurance

ACT Insurance in Massachusetts

Every year in the Bay State, there are more than 300 art and craft shows. This makes it a great state for artists and crafters looking to sell or showcase their work. However, as artist or crafter in Massachusetts, you’ve probably purchased insurance for one or more shows, but you’ve probably also wondered if you’re getting the most for your money.

At Artist, Crafters, and Tradesmen Insurance (ACT), we’ve developed two insurance policies to ensure your coverage is customized to your needs, yet still affordable. Our Show Policy starts at $49 for 1–3 days and offers excellent general liability coverage. However, if you need more extensive coverage, you might consider our Annual Policy which starts at $279 for 365 days of coverage.

If you’re ready to buy, click here, otherwise check out these shows throughout the state.

 

Top 10 Arts & Crafts Festivals in Massachusetts:

  1. By the Bay: Fourth of July Festival
  2. Hyannis Summer Arts and Craft Festival
  3. Summer in Brewster Arts and Craft Festival
  4. Experience Gardner Festival and Sidewalk Sale
  5. Gloucester Waterfront Festival
  1. Kill Tide Arts and Craft Festival
  2. Bass River Arts and Craft Festival
  3. Mattoon Street Arts Festival
  4. Shepherd Hill’s Festival of Crafts
  5. Original Castelberry Faire

Click below to purchase or learn more about our

SHOW POLICY

ACT Show Policy

The ACT Show Policy—also known as short-term event insurance—is designed to meet the insurance requirements of most venues, including those in Massachusetts, that host art and craft fairs. Policy term options start at 1-3 days and can go as high as 90 days (with the option to renew). Policies start at $49 and include a variety of options that meet the unique needs of your business.

Limits of Liability

General Liability Aggregate Limit

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$2,000,000

General Liability Each Occurrence Limit

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000

Damage to Premises Rented

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$300,000

Pricing (for consecutive days)

1 – 3 Days

$49

7 Days

$99

Up to 90 Days (EZ Renew Option Available)

$149

**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.

We do not currently offer coverage for cannabis events.

Note: Product Liability and Completed Operations coverages are specifically excluded in the Show Policy. If you need products coverage or are looking for a more comprehensive option, check out our Annual Policy option, which is also designed for those in the art and craft industry!

ACT Annual Policy

The ACT Annual Policy includes even more coverages than are provided in the Show Policy, foremost among them being coverage for your products/completed operations. In addition, you can also add professional liability coverage (which you will need if you teach, host training sessions, or do art demonstrations) and add business personal property insurance (which can cover your supplies, equipment, and inventory). Policies last for 12 months and start at $279.

Annual Limits of Liability

General Liability Aggregate Limit

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$2,000,000

Products-Completed Operations Aggregate Limit

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims arising out of the insured's products or business operations conducted away from the insured's premises once those operations have been completed or abandoned.

$2,000,000

General Liability Limit (Per Occurrence)

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$1,000,000

Personal and Advertising Injury Limit

The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person's right of privacy
-The use of another's advertising idea in your advertisement

$1,000,000

Damage to Premises Rented to You Limit

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$300,000

Optional Tools, Supplies, & Inventory Limit (Per Occurrence)
This limit is the most your coverage will pay on each claim of this type.

$5,000

Optional Tools, Supplies, & Inventory Aggregate Limit
This limit is the most your coverage will pay out on all related claims in one policy period.

$10,000

Optional Tools, Supplies, & Inventory Deductible
Amount of money that the insured must pay before ACT Insurance will pay a claim.

$250

Optional Professional Liability Limit (Per Occurrence)

Professional Liability Coverage protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes on your part (errors) or because you failed to perform some service (omissions).

$100,000

Optional Professional Liability Aggregate Limit

Professional Liability Coverage protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes on your part (errors) or because you failed to perform some service (omissions).

$200,000

Optional Professional Liability Deductible

Amount of money that the insured must pay before ACT Insurance will pay a claim.

$1,000

Medical Expense Limit

$5,000

Annual Pricing

$0 – $50,000 in Annual Sales

$279

$50,000 – $100,000 in Annual Sales

$375

Optional Professional Liability

$125

Optional Tools, Supplies, & Inventory Coverage (Inland Marine)
Also known as Inland Marine Insurance, this covers tangible property that is moveable or transportable in nature (e.g. tools, supplies, or inventory), but excludes coverage for structures and items part of a structure.

$54

Raise Inland Marine 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.

We do not currently offer coverage for cannabis events.

Click below to purchase or learn more about our

ANNUAL POLICY
Artist hard at work.

Why Choose ACT Insurance?

As an artist or crafter in Massachusetts, you need a policy that is not only affordable, but can also give you the protection your business needs. The policy should also offer peace of mind as you go to work each day. ACT Insurance policies offer this protection and peace of mind. It also includes the following benefits:

  • No Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Instant Coverage
  • No Deductible on Liability Claims
  • A+ Rated Insurance Carrier
  • Not Premises Specific
  • And Many More!

ACT today and protect your art or craft business in Massachusetts with the most affordable insurance and superior coverages in the industry.

VIEW COVERAGE

ACT Insurance Is Available in All 50 States

Did you buy a policy in Massachusetts and then move to a different state? No problem! Your policy follows you wherever you go, provided you follow the licensing and/or registration requirements of the state where you live.