844.520.6991

Minnesota Artist and Crafter Vendor Insurance

ACT Insurance in Minnesota

The great state of Minnesota is known for the many thousands of lakes that are scattered throughout its borders. However, it also has more than 550 art and craft shows that are held each year, making it a great place for artists and crafters to sell their creations. However, if you’re planning to attend these shows as a vendor, you’ll want to make sure you have quality insurance coverage.

Artist, Crafters, and Tradesmen Insurance (ACT), has created two insurance policies that can help you get custom coverage at an affordable rate. Our Show Policy starts at only $49 for 1–3 consecutive days. It offers great general liability coverage if you are only need to be covered for a short time. However, if you want to have more comprehensive coverage, consider our Annual Policy. The Annual Policy starts at $279 for an entire 365 days of coverage—that’s less than a dollar per day.

If you’re ready to buy, click here, but if you’re not, checkout these great shows across the state.

Top 10 Arts & Crafts Festivals in Minnesota:

Maple Lake Arts and Crafts Festival
Brainerd Arts in the Park
Anoka Riverfest and Craft Fair
Andover Family Fun Fest Craft and Gift Show
Afton Art Fair

Marine Art Fair
Red Wing Fall Festival of the Arts
On the Road Again
CEC Holiday Bazaar
Albertville Spring Craft Show

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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 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 Minnesota, you need a policy that can you give the protection your business needs and that offers 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!

Did you buy a policy in Minnesota 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.

ACT Insurance Is Available in All 50 States

Did you buy a policy in Colorado 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.