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Wood and metal crafters, who attend various events to show and sell their products, should consider purchasing liability insurance. Many events require their vendors to purchase a liability insurance policy for artists, but even if they do not, liability insurance can be valuable for your business if you are determined to be liable for accidental damage to another vendor’s property or for injury to a third-party.
Our Artists, Crafters, and Tradesmen Insurance Program offers wood and metal crafters the insurance protection they need to help protect their business from financial risk as they attend various events. Our annual policy offers the most protection with a higher coverage limit and additional coverage like product liability coverage and the option for business personal property coverage.
The annual policy also offers crafters who teach and demonstrate their craft the option to purchase professional liability insurance coverage.
The show policy was designed for crafters who attend only one or two events per year and do not need the more comprehensive coverage of an annual policy.
To learn more about which policy is right for you, please visit our compare policies page.
ACT Insurance is not just for crafters. We offer liability insurance for many different art and craft professions, including:
Wood and metal crafters insurance is a unique coverage designed to help you pay for claims arising from bodily injury or property damage.
Whether you sell your products at events, in stores, or online, accidents can still occur and leave you financially responsible for medical bills, repair costs, legal fees, and more. Having wood and metal crafters insurance can help to lower (or eliminate) what you owe for a liability claim.
Depending on the type of policy you choose, a short-term show policy or an annual policy, the limits of liability and types of coverage can vary. The show policy is made for vendors who only need 1–90 days of consecutive general liability insurance—whereas the annual policy is for those who manage their business online, need general and product liability insurance, and year-round coverage for events.
Please see the Show Policy and Annual Policy coverage details to learn more.
The ACT Show policy starts at $49 and the ACT Annual policy starts at $279. All policies include FREE unlimited additional insureds.
Based on your policy type, your total costs may vary. Please see the charts below to view the different options available.
$0 – $50,000 in Annual Sales
$279
$50,000 – $100,000 in Annual Sales
$375
Optional Professional Liability
$125
Optional Business Personal Property (Inland Marine)
$54
Optional Cyber Liability
$99
Raise BPP 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.
1 – 3 Days
$49
7 Days
$99
Up to 90 Days (EZ Renew Option Available)
$149
Yes, your craft is a valuable asset that deserves to be insured the same way you would your home, vehicle, or health. A single claim can lead to hundreds (or thousands) of dollars in bills, legal fees, or even damage to your reputation.
Most events, stores, and online marketplaces also require you to have liability insurance. For events, you typically need to show a proof of insurance and hold a current general liability policy. This helps to insure you against claims of slips, trips, and falls. It’s also beneficial in the event of unexpected weather conditions.
If you sell your handmade products in stores or online marketplaces (like Etsy, Jane, or Amazon), you need a plan that offers both general and product liability insurance. This goes beyond covering claims caused by your business operations. If your work injures someone or damages their property, such as cuts or discolored surfaces, you may be covered by your insurance policy.
You never know when an accident can occur, so it’s best to be preventative with your protection rather than struggling without coverage once something happens. Buying a policy now can save you time, money, and stress later. After all, your work is your passion—and that passion deserves to be protected.
Starting at $49/Event Or $279/Year