365 days of liability protection, wherever your creativity takes you.
Starting At
ACT Pro is annual general and product liability insurance for artists, crafters, and makers who sell their products online, in person at events, or a mix of both. That means if a customer trips at your booth or a product you sold causes an injury or property damage, this policy can help cover the cost — all year, wherever you sell.
Built for creative businesses earning under $100,000 in annual gross sales, ACT Pro offers optional add-ons that allow you to tailor your coverage to your business needs.
Get covered with ACT Pro online in minutes! Your instant certificate of insurance (COI) keeps up with your creative business effortlessly, from fairs and festivals to online seller platforms and your studio.
ACT Pro is designed for artists, crafters, and tradespeople who make and sell products and need affordable, reliable liability protection for their businesses. No matter your medium, this policy is crafted for a wide range of creatives, including but not limited to:
See more on our Who Qualifies page.
ACT Pro combines general liability and product liability to protect creative businesses from common claims. Here’s what it covers:
Designed to cover third-party bodily injury or property damage claims
Example: A customer trips over your display at a market and breaks their wrist
Can cover third-party bodily injury or property damage claims related to your products after the sale
Example: A customer has an allergic reaction to ingredients in your handmade lotion
Can pay for claims of libel, slander, copyright infringement, or advertising mistakes
Example: Another vendor claims you copied their product design and files a claim
Can cover damage to a rented space due to your business operations
Example: You accidentally start a fire while demonstrating your product at a rented venue
Helps cover medical costs for third-party injuries, regardless of fault
Example: A shelving unit in your booth tips over and a customer needs stitches
In-Person Sales Coverage
Your business is covered against third-party liability claims arising from fairs, festivals, markets, pop-ups, or other events
Example: An event attendee is injured due to your booth setup
Online Sales Coverage
Your business is covered against third-party product liability claims arising after your products leave your hands
Example: A customer claims your craft goods injured them after they received them
Add event organizers, venues, or seller platforms to your policy at no extra cost
Example: A farmers market organizer requires that you add the event as an additional insured
Customize your ACT Pro policy based on how your business operates and how you share your creativity with the world.
(inland marine)
Cover your movable tools, supplies, and inventory against theft and damage
(professional liability)
Designed to cover your professional services, such as art instruction or demonstrations, if they accidentally lead to customer injuries or property damage
(cyber liability)
Helps your business recover from cybersecurity incidents, such as a data breach of your customers’ sensitive information
ACT Pro coverage is built for creatives, but there are limits to this policy we want you to be aware of. This policy is not intended for:
Explore the full list of exclusions.
Here’s how ACT Pro protects your arts and crafts business.
ACT Pro Policy Limits
The most your policy will pay out in a year across all claims, except product-related ones.
$2,000,000
The most your policy will pay out in a year for injuries or damage caused by a product you made or sold, or work you’ve already finished.
$2,000,000
The maximum your policy will pay out for any single incident.
$1,000,000
The most your policy will pay out in a year for claims of libel, slander, marketing errors, or copyright infringement.
$1,000,000
The most your policy will pay to cover accidental damage to a single space you rent, such as a studio or event venue.
$300,000
Can pay for a third party’s immediate medical costs (limit applies to a single person) if they’re injured due to your operations.
$5,000
Theft & Damage Coverage
$250–$500
Data Breach Coverage
$1,000
Workshop & Class Coverage
ACT Pro for Curated Sellers
$31.59/month
$515/year
Optional Add-Ons
These are brief coverage summaries only. Always refer to your policy for full coverage details and exclusions.
ACT Pro provides a full year of general and product liability coverage! Stay event-ready, meet venue or online marketplace insurance requirements, and sell your one-of-a-kind goods with confidence.
Looking for quick event coverage? Check out ACT Go for short-term general liability protection.
I prefer:
I need:
Ready for 365 days of peace of mind? Protect your creativity now.
Yes, ACT Pro covers both online and in-person sales. The base policy includes general liability for accidents that may occur while you sell at events and product liability for issues related to your products sold online or in person. However you sell, ACT Pro keeps up with your creativity.
Add Workshop & Class Coverage to your ACT Pro policy to protect your business from claims related to your art instruction or demonstrations. If your workshops or classes accidentally lead to a student or attendee injury or property damage, this coverage can help cover the costs to make things right!
Yes, your annual gross sales must be under $100,000 to qualify for ACT Pro. If your gross sales exceed $100,000 per year, contact us! We’re happy to set you up with additional insurance options.
Yes, add additional insureds to your ACT Pro policy during the online checkout process, or any time after, through your user dashboard. It’s always free and unlimited to add qualified third parties as additional insureds with ACT.
ACT Pro starts at $24.25/month or $279/year. Customize your policy with optional coverage add-ons, including Theft & Damage Coverage, Data Breach Coverage, or Workshop & Class Coverage.
Yes, after you purchase an ACT Pro policy, you receive instant access to your digital certificate of insurance (COI) through your online dashboard. From there, you can download your COI and send it to events, venues, or seller platforms that need to verify your coverage.
Theft & Damage Coverage is a smart choice if you want protection for your movable tools, supplies, and inventory in case of theft or damage. Here’s a quick quiz to find out if you need this coverage:
If you answered yes to any of these questions, protect your movable business personal property with Theft & Damage Coverage to keep your business running smoothly.
Still have questions? Check out our FAQs page or contact us! Our team of U.S.-based, licensed support agents is ready to help you.
