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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:

By the Bay: Fourth of July Festival
Hyannis Summer Arts and Craft Festival
Summer in Brewster Arts and Craft Festival
Experience Gardner Festival and Sidewalk Sale
Gloucester Waterfront Festival

Kill Tide Arts and Craft Festival
Bass River Arts and Craft Festival
Mattoon Street Arts Festival
Shepherd Hill’s Festival of Crafts
Original Castelberry Faire

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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 maximum amount your policy may pay within a year for all claims relating to bodily injury and property damage caused by your business operations.

$2,000,000

General Liability Each Occurrence Limit

The maximum amount your policy may pay for each claim relating to bodily injury and property damage caused by your business operations.

$1,000,000

Damage to Premises Rented

The maximum amount your policy may pay for all claims relating to damage to premises rented to you (including contents inside a premise) within 7 days of the start of the policy. After 7 days, this policy only covers damages caused by fires.

$300,000

Medical Expense Limit

The maximum amount your policy may pay for medical bills and costs accrued by an injured person(s) whose injuries were caused by your business operations.

$5,000

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 maximum amount your policy may pay within a year for all claims relating to bodily injury and property damage caused by your business operations.

$2,000,000

General Liability Each Occurrence Limit

The maximum amount your policy may pay for each claim relating to bodily injury and property damage caused by your business operations.

$1,000,000

Damage to Premises Rented

$300,000

Medical Expense Limit

The maximum amount your policy may pay for medical bills and costs accrued by an injured person(s) whose injuries were caused by your business operations.

$5,000

Products-Completed Operations Aggregate Limit

The maximum amount your policy may pay within a year for bodily injury and property damage caused by your products. Additionally, it may cover claims related to business operations conducted away from your primary location, even after those operations have been completed or abandoned.

$2,000,000

Personal and Advertising Injury Limit

The maximum amount your policy may pay within a year for claims that violate a person or business’s rights (excluding physical harm).
Offenses include:

-Oral or written publication that slander, libel, or violate a person’s right of privacy
-The use of another’s advertising idea in your advertisement (copyright infringement)
-False arrest, detention, or imprisonment
-Wrongful Eviction or entry
-Malicious prosecution

$1,000,000

Optional Coverage Limits

Tools, Supplies, & Inventory

Aggregate Limit

The maximum amount your policy may pay within a year for all claims relating to covered damage or theft of your insured tools, supplies, and inventory.

$10,000

Each Occurrence Limit

The maximum amount your policy may pay for each claim relating to covered damage or theft of your insured tools, supplies, and inventory.

$5,000

Deductible

The amount of money you are required to pay before your policy may pay for a claim relating to covered damage or theft of your insured tools, supplies, and inventory.

$250

Professional Liability

Aggregate Limit

The maximum amount your policy may pay within a year for all claims relating to bodily injuries, property damage, or financial loss caused by professional advice you provided or failed to provide.

$200,000

Each Occurrence Limit

The maximum amount your policy may pay for each claim relating to bodily injuries, property damage, or financial loss caused by professional advice you provided or failed to provide.

$100,000

Deductible

The amount of money you are required to pay before your policy may pay for a claim relating to professional liability incidents.

$1,000

Cyber Liability

Aggregate Limit

The maximum amount your policy may pay within a year for all claims relating to a cyber or security breach targeting your business.

$100,000

Each Occurrence Limit

The maximum amount your policy may pay for each claim relating to a cyber or security breach targeting your business.

$100,000

Deductible

The amount of money you are required to pay before your policy may pay for a claim relating to cyber liability incidents.

$1,000

Annual Pricing

$0 - $50,000 in Annual Sales

This is the base price for ACT Annual coverage if your gross sales are under $50,000 per year.

$279

$50,000 - $100,000 in Annual Sales

This is the base price for ACT Annual coverage if your gross sales are between $50,000 and $100,000 per year. If your sales are over $100,000 per year, please call us at 844.530.6001 to apply.

$389

Optional Professional Liability

Professional Liability may cover you for claims that a professional service you provided caused your client to suffer bodily injuries, property damage, or financial harm due to mistakes on your part (errors), or because you failed to perform some service (omissions).

$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

Optional Cyber Liability

Cyber Liability may cover you for the effects of a cyber attack or security breach targeting your business. This may cover lost funds, ransom, stolen data, and lawsuits made against your business regarding the attack.

$99

We do not currently offer coverage for cannabis events.

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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.

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.