An unskippable safety net in case your handmade products cause damage.
Product liability insurance is coverage for any damage your creations cause to others after they’re sold. You put time, effort, and creativity into your products, and they’re made for people to enjoy! Unfortunately, handmade goods can injure a customer or damage their property — this coverage is designed to protect against costly claims like these.
No matter how careful you are in creating, labeling, and selling your products, there’s always the risk of injury, allergic reactions, or property damage. No product is 100% safe! This coverage gives you peace of mind in case something goes wrong after your product leaves your hands.
Product liability insurance for artists and crafters covers products like:
It can cover things like:
Product liability coverage doesn’t cover:
For example, this coverage isn’t meant for accidents, like slip-and-falls, at your event booth, which would fall under general liability insurance. It also doesn’t pay to replace your products if they’re damaged or stolen (covered instead by Theft & Damage Coverage).
See the full list of exclusions.
Product liability insurance is available exclusively through ACT Pro. This coverage is crafted for part- or full-time artists and crafters and applies to in-person and online product sales year-round.
ACT Go offers short-term event coverage from 1 to 90 days. It’s designed as a basic general liability insurance policy, so it doesn’t include coverage for product liability.
Anyone who handmakes and sells products needs product liability insurance, because there’s always risk associated with arts and crafts goods. It’s essential for:
If a customer says your product harmed them in any physical way, the product liability coverage of your ACT Pro policy is meant to respond and make things right.
For product claims, ACT protects you with $1 million in coverage per claim and up to $2 million in coverage for the policy year, so you can feel confident you’ll have help when you need it most.
Get peace of mind that your products are covered in just a few clicks. Here’s what you need:
With ACT, getting coverage takes about 10 minutes — or less! Fill out your info, pay for your policy, and get an instant Certificate of Insurance (COI) with proof of product liability coverage.
Some common product liability claims include:
Product liability insurance comes standard with your ACT Pro policy, starting from $24.25 a month or $279 a year.
ACT Insurance is crafted for makers of unique products with your specific risks in mind. With our top-rated product liability insurance, you can share your creativity with the world — knowing you’re protected against costly product-related what-ifs!
Your ACT Pro policy is ready to buy, gives you instant coverage, and follows your products whether you sell at fairs, festivals, or online marketplaces. Easy as click, quote, covered.
Yes, your products can cause harm whether you sell online or in person! Product liability insurance through ACT Pro protects you from claims related to your creations, no matter where or how you sell them.
Homeowners insurance does not protect business-related claims, meaning if you make or sell your products from your home studio, you’ll have a gap in coverage. An LLC also does not protect against claims; it merely protects your personal assets if you face a lawsuit.
The only way to get true protection for product claims is to carry product liability insurance.
Customers don’t care if you only sell sometimes — if a product you made causes harm, what matters to them is the damage they’ve suffered. That’s why it’s essential to carry product liability coverage if you sell handmade products, no matter how often.
When you buy an ACT policy, you get instant proof of coverage (a COI) that you can email to event organizers or upload to an e-commerce platform. It’s super easy, fast, and shows you have the right insurance to sell arts and crafts products!
Yes. ACT’s product liability insurance is available in all 50 states, so artists and makers can sell products in-person or online nationwide. Coverage applies across state lines, which helps if you ship orders or attend events outside your home state.
Protect your business and passion with ACT’s comprehensive coverage options.
General Liability Insurance
Workshop & Class Coverage
Data Breach Insurance
Check out our coverage overview.
