Coverage for carving, woodturning, and wood crafting.
Woodworker’s insurance is a specialty business insurance designed to protect artisan makers from third-party injury or property damage claims. It can also cover accidents that happen during vendor events or while teaching a woodworking class.
Whether you’re a hobbyist selling at local markets or a full-time woodworker crafting bespoke pieces in your workshop, carpentry business insurance helps you whittle down your risks and cover you for claims.
Meet ACT Pro and ACT Go: two excellent policies offering personalized protection wherever your craft takes you!
ACT Pro
365-day coverage
$24.25/Month
ACT Go
$49/Event
ACT Pro is made for full-time artists and crafters who want enhanced protection for their entire business. With additional liability coverage for your products included, optional add-ons, and monthly payments, you can create confidently knowing we’ve got your back.
Annual Policy Limits of Liability
Optional Add-Ons
Additional Tools, Supplies, & Inventory Coverage limits available up to $10,000/$50,000.
Cyber Liability Coverage available up to $100,000
Professional Liability is available through the user dashboard with upfront payment.
Pricing
(Or $279 per year)
Extends ACT Pro coverage to makers who sell more than 20% pre-made or non-handmade elements in their products (Or $379 per year)
Coverage for Beauty & Cosmetics, Soap, and Candle Makers
ACT Go is craft vendor insurance built for on-the-go hobbyists who need quick coverage at events. This flexible general liability policy is like a pop-up tent, working when and where you do — making it ideal if you only attend a couple of craft shows a year. Plus, enjoy the option to add coverage for your tools, supplies, and inventory in case of theft or damage while you’re on the go.
Short-Term Policy Limits of Liability
Optional Add-Ons
Additional Tools, Supplies, & Inventory Coverage limits available up to $2,000/$2,000.
Pricing
Yes, a woodcraft business needs insurance. It’s the best shield for your business, whether you’re looking to insure your wooden wares or keep your hobby hassle-free.
No matter how you cut it, carve it, sand it, or shape it, woodworker insurance is designed to protect a variety of craftspeople, like:
ACT does not cover commercial carpentry businesses, carpentry contractors, large-scale cabinet or furniture makers, three-dimensional installation art, physical structures (like galleries), or the hosting of events. Please read our policy exclusions to learn more.
Liability insurance offers the basic coverage you need to prevent a small claim from splintering your finances. There are different types of liability coverage, just as there are various types of seals to protect your pieces.
Get wood product insurance for as low as $24.25 monthly with ACT Pro, or grab top-notch vendor coverage starting at $49 per event with ACT Go.
Looking for more coverage? Carve out a personalized policy with ACT Pro and add optional coverages that best suit your creative needs.*
*Additional monthly coverages available only with ACT Pro. Theft & Damage Coverage is available on both plans.
ACT Insurance was created for crafters like you, giving you the coverage you need to create freely without the hassle of finding insurance holding you back.
Protect your passion with the most trusted name in woodworking insurance today!
Yes, you need insurance for a home-based woodworking business. Homeowner insurance typically doesn’t cover business-related activities, so having dedicated business coverage is essential to protect yourself from costly claims.
Even if you operate from home, you’re still at risk for customer injuries, slip-and-fall accidents, or product defects becoming your responsibility.
Yes, you can start a woodworking business without insurance if your state does not require it; however, you’ll likely be required to carry coverage before you can attend events, secure custom project contracts, or sell your handmade goods online and in stores.
If you only dust off your drill a few times a year to sell your work at events, you’ll likely need an ACT Go policy for short-term coverage. For wood crafters carving more frequently, ACT Pro keeps you protected from your first cut to the final finish with year-round business coverage.
Learn more about the insurance requirements for your state to ensure your business complies with local laws and regulations.
“Woodworking” and “commercial carpentry” fall into different categories for insurance coverage. The following is not covered under ACT woodworker’s insurance:
See a full list of our ACT policy exclusions to learn more.
With an ACT Insurance policy, if you’re carving, turning, or crafting non-structural wooden objects, you’re most likely covered.
Yes, while it may seem less likely that handmade wood products will cause customer injury or property damage, it still happens and can lead to costly legal bills if not covered by product liability insurance. Some potential situations where product liability insurance can come in handy for woodworkers include:
Yes, for full-time woodworkers who sell their goods both online and in-person, an annual ACT Pro policy provides general liability and product liability coverage year-round.
If you’re a hobbyist woodworker and only need coverage occasionally for in-person events, not for online sales, an ACT Go policy may be a better fit for your needs.
If you have questions about purchasing woodworking insurance, our team of licensed agents is available to help. Call us at 844.520.6991.
