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ACT Coverage details

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What are the coverage details?

Artists, Crafters & Tradesmen Insurance

COVERAGE LIMITS OF LIABILITY

Here is the link to the coverage details: ACT Pro Annual https://www.actinsurance.com/coverage-details-annual/    and the ACT Go  https://www.actinsurance.com/coverage-details-show-event

ACT Pro annual policy coverage limits

General Liability Aggregate Limit.......$2,000,000

The most your policy will pay for bodily injury and property damage claims occurring in the policy’s term that you become legally obligated to pay due to your business services.

Products-Completed Operations Aggregate Limit......$2,000,000  INCLUDED FOR ANNUAL, EXCLUDED FOR ACT SHOW POLICIES

The maximum amount your policy will pay for bodily injury and property damage claims occurring in the policy’s term that result from the products you use to perform your services.

General Liability Each Occurrence Limit........$1,000,000

The maximum amount your policy will pay for bodily injury and property damage claims for each individual incident.

Personal and Advertising Injury........$1,000,000   INCLUDED FOR ANNUAL, EXCLUDED FOR ACT SHOW POLICIES

This coverage helps protect you from claims against your business, like infringed copyrights or reputational harm.

Damage to Premises Rented to You Limit...........$300,000

Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less. AFTER 7 days the policy will only cover damage to the structure caused by fire.

Medical Expense Limit.......................$5,000

Tools, Supplies & Inventory (INLAND MARINE) Coverage.  EXCLUDED FOR ACT SHOW POLICIES

Inland marine is an optional coverage that does not come with the general liability policy. It can be purchased as an add-on.

 Select your desired amount of Inland marine coverage to add to the Annual policy:

  • $5,000 per item/ $10,000 aggregate: +$5 ($4.50/month)
  • $10,000 per item/ $50,000 aggregate: +259 ($21.58/month)

Business Personal Property Deductible per claim .........$250

Also known as Inland Marine Insurance, this coverage is designed to protect property you use to run your business in the case of third-party theft or damages. This does not cover structural property like a building. This coverage is not intended to provide indemnity for the value of the final product, but to cover the cost of materials to repair or replace items if damaged by a covered cause of loss. We do not require a list of your equipment, tools, or supplies.

What other coverages can I add on to my policy after purchase?

Coverages added after purchase are paid in full and are not pro-rated.

Professional liability...............$100,000 per occurrence/ $200,000 aggregate +$125 ($10.42/month)

Professional liability deductible per claim: $1,000 

Add this coverage if you teach or do demonstrations. If the classes/workshops being taught make up more then 20% of the gross income, then a different policy would be needed for the classes/workshops (https://www.insurancecanopy.com/educator-insurance).

Cyber liability..............$100,000 +$99 ($8.25/month)

Cyber liability will provide coverage for expenses that your business will be legally responsible to pay if you have a cyber attack.

Excess Liability........................up to $2,000,000 +$500 per every $1 million

Excess liability is an additional limit added to your general liability limits. (The General liability limits remain the same). With excess liability, you can add to your general and product liability per occurrence and aggregate limits in $1,000,000 increments. It is an additional $500 per million. If you need more than $2,000,000 in excess, you must send us an email request to [email protected].

How to know if your equipment is insured:

While we cannot say whether something is covered here because there needs to be an investigation by the claims adjuster, the business personal property coverage is designed to insure your  tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory).

  • A claims adjuster determines coverage of your business personal property after carefully examining your policy.
  • If you are an artist/vendor who travels to various locations, adding business personal property insurance to your annual policy is necessary to protect the tools of your trade.
  • We recommend that you read through your coverage to understand the policy, and if an incident has occurred, please file a claim.
  • While we do not offer an Equipment-only policy, we suggest that you check with a local insurance agent or agency for an Equipment-only policy.

Can I increase my liability limits?

Yes, that can be done by adding Excess liability. Excess liability or Additional limits up to $2 million can be added to your policy on the application or after purchase from your online account. It would be in addition to your general liability limits. To add Excess liability from your online account, please follow the steps below:
1. Log in to your account
2. Click on Change policy options > Purchase add-ons
3. Select your desired Excess liability limits. 
4. Click the Purchased selected options button and submit payment for the coverage. 

The fee to add Excess liability from your account is:
$1 million Excess liability limit - $500
$2 million Excess liability limit - $1,000
For excess liability limits higher than $2 million, please contact us, and we will go through our sales team to get you a quote.

What is Excess liability?

Let's review what excess and umbrella insurance are. They both do the same thing by increasing the total liability coverage of the policy. For example, if you purchased a General liability policy with $1 million dollars per occurrence and $2 million dollars in aggregate and needed to increase one or both of those limits, an excess/umbrella policy would be the best option. By adding Excess liability for $1 million, the total policy limits would be changed to $2 million per occurrence/ $3 million aggregate.

Where can I purchase this policy?

This policy is available for online purchase in every state in the United States.

Where can I use this policy?

The Coverage territory for this liability policy is the U.S., it's territories, Puerto Rico and Canada.

To purchase the policy you must first be domiciled or based in one of the U.S. 50 states. Currently if you are based in Missouri, this policy cannot insure you. If you or your business are based in Canada or outside of the U.S., we are not able to insure you.

The policy is not location-specific and will follow your covered business operations anywhere in the U.S. 50 states.

Pro tip: If there is an incident where a claim will be filed for theft or other crime, please make sure to get a police report as soon as possible.

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Can this policy be used in Missouri if I do not live in Missouri?

This policy can be used in Missouri if you do not live there. We can also accommodate adding additional insureds who are located in Missouri. The only difference with Missouri as opposed to all of the other states is that if your business is based out of Missouri, your business could not purchase the policy. 

Automobile (auto or car) Liability Insurance

This article explains how this policy does not offer car/auto insurance.

Does ACT insurance provide any automobile liability/car insurance?

At this time, we do not provide auto insurance. We recommend that all vehicle owners consider obtaining automobile liability insurance to safeguard themselves and others on the road.

What is auto/car insurance?

Automobile liability insurance is coverage that helps protect drivers from damages or injuries they may cause to others while operating a vehicle. It typically includes two main components

  1. Bodily Injury Liability: This coverage pays for the medical expenses, rehabilitation costs, and legal fees of individuals injured in an accident where you are at fault.
  2. Property Damage Liability: This coverage helps repair or replace property, such as vehicles, buildings, or other structures, damaged in an accident for which you are responsible.

Is it important to have car insurance?

Given the importance of automobile liability insurance, we highly recommend contacting a local insurance agency to discuss and obtain an appropriate policy for your needs. Local agents are well-versed in the specific regulations and coverage options available in your area.

They will be able to explain the various types of automobile liability insurance policies, answer any questions you may have, and help you select the policy that best suits your requirements.

Remember, automobile liability insurance is typically a legal requirement in most jurisdictions and is essential for responsible vehicle ownership.

For further information or to discuss other insurance options we provide, please do not hesitate to contact us. We are here to assist you in any way we can.

Specific questions about operations the ACT policy does insure.

Does ACT insure teaching?

The ACT Pro policy does have limitations in covering teaching. Teaching needs to be secondary to the product you provide (makes up less then 20% of the gross income). To insure the teaching of your craft, you will need to purchase the professional liability coverage. For all other teaching operations, please go to our trusted partner, Insurance Canopy.

Instructional classes

ACT Pro is designed to insure art and craft classes you teach when the following criterion are met:

  1. Teaching art and craft classes are secondary to the products you make and sell (makes up less then 20% of the gross income), which must be insurable under this policy, and
  2. The professional liability is added to the ACT Pro policy ($125 extra).

The ACT Go policy is not a good fit for teaching. If what you do does not sound like a good fit, please check out the LET policy through our partner, Insurance Canopy.

Either could be used for the workshop?

To insure a workshop, you will want to select the ACT Pro (be sure to verify if you are eligible in the application) with the additional professional liability coverage for an additional $125 more. If you do not qualify for the the ACT Pro policy, check out the LET policy from our partner Insurance Canopy. Please note that the ACT Go policy does not work for teaching.

Does ACT insure the resell of products?

ACT Pro (annual) is not designed to insure the resale of products because of the handmade requirement. ACT Go (event coverage) can be used to insure a business while it is reselling products. Please note that the ACT GO policy is not designed to insure the products themselves. 

Does ACT cover a hold-harmless agreement?

ACT does not insure or offer a hold-harmless agreement. This is a legal document. Please reach out to the person who is asking for this so they can give you more guidance.

Can I sell products that have already been manufactured such as Scentsy, Young Living, Doterra, etc?

Those who sell products that are already manufactured such as Scentsy, Young Living, Doterra, etc. can only be insured with the ACT Go policy. The ACT Pro policy is not designed to insure products that were not handmade by the policyholder.

Does ACT cover/insure pet toys?

The ACT Pro policy can be used to insure pet toys made by you and/or your company. The ACT Go policy is designed to insure you as a vendor while selling your products but is not designed to insure your products.

I need insurance for a flea market I am starting.

If you need insurance for a flea market you are running/managing, ACT will not work for that. Please go to www.theeventhelper.com. I you will be attending a flea market as a vendor, either the ACT Pro or ACT Go policies will work.

Does ACT cover wall to wall insurance?

To help me better understand what is meant by wall to wall insurance, could you explain what you mean by that.

Does ACT insure/cover workshops for children?

ACT insurance is designed to insure workshops for people of all ages. To insure a workshop, be sure to add the professional liability to the ACT Go policy. Please note that you must be eligible to get the ACT Pro policy which means that you must also be selling a product that fits within the ACT Pro policy.

Does ACT insure those who promote events, music, products etc?

ACT Insurance is designed to insure people who go to events they are vendors at to promote services and/or products. ACT is not designed to insure those who run, manage, or who are actively part of the organization of an event.

Venue rental

If you are a vendor, our policy works for you renting a location at a venue. The venue can be added if needed as an additional insured. If you are renting out a venue, this policy works for the vendors going to your location and adding you as an additional insured. This policy does not cover your business directly. If you need a policy for renting your venue to others, please reach out to www.theeventhelper.com.

Does ACT insure/cover my equipment (tools to do the job), supplies (materials needed to make your product), and/or inventory (products)?

If you have or are planning to get the annual policy, the optional Inland Marine (IM or gear/equipment coverage/business personal property) can be added for an additional $54 for $5,000 per item/$10,000 aggregate or $259 for $10,000 per item, $50,000 aggregate. Either option comes with a $250 deductible. This coverage is designed to insure your equipment (tools to do the job), supplies (materials needed to make your product), and/or inventory (products).

Does ACT insure/cover art in transit?

ACT is designed to insure art and other insured possessions of the insured while in their care, custody, or control with the added inland marine (gear) coverage. The coverage is based on Actual Cash Value, meaning whatever the value of the materials that went into the final product and not necessarily the value of the product itself. This coverage is designed to follow the insured anywhere in the US and Canada.

Does ACT cover/insure my equipment (tools to do the job), supplies (materials needed to make your product), and/or inventory (products) from bad weather?

If you have the annual policy with the added business personal property/gear/equipment/IM coverage, your equipment (tools to do the job), supplies (materials needed to make your product), and/or inventory (products) may be covered for bad weather. We recommend the following because many scenarios may or may not be insured. If something has occurred and your property has been damaged or destroyed, please file a claim by logging into your account and clicking the "file a claim" button. If nothing has occurred, but you would like to learn more, get a sample policy from us via an email request if you have not purchased a policy or login to your account and download your policy document if you are a policy holder.

What is the gear/equipment/IM/business personal property designed to insure?

The gear/equipment/IM/business personal property is designed to insure your equipment (tools to do the job), supplies (materials needed to make your product), and/or inventory (products) against theft (not mysterious disappearance), fire, water damage that is from non-standing water, and other causes of loss. If a loss occurs, please file a claim by logging into your dashboard and clicking the "file a claim" button. If nothing has happened so far, but you would like more details about the policy, please request a sample policy via email at [email protected].

Who is ACT Insurance designed to insure?

ACT insurance is designed to insure the following businesses/people:

  • Artists
  • Crafters
  • Artisans
  • Jewelers
  • Painters
  • Glass blowers
  • Potters
  • Paper crafters
  • Sculptors
  • Wood and Metal Crafters
  • Leather Crafters
  • Clothiers
  • Metal sculptors/artists - does not insure a third party who becomes injured during operations.
  • People who are providing information or promoting any type of product, regardless of its status if being "handmade" can purchase an ACT Go (Short-term/event) policy.

ACT Insurance Exclusions/Ineligible operations

While ACT Insurance aims to provide all artists, crafters, and tradesmen with insurance, some businesses may fall outside our program guidelines; sometimes, this policy may deny coverage. You may be denied if any of the following exclusions/ineligibilities apply to you or your business https://www.actinsurance.com/ACT-policy-exclusions:

The following operations are EXCLUDED under the Annual Pro policy

Exclusions for the ACT Go policy

Below is a list of events and activities EXCLUDED in the Go Policy that ACT Insurance will not respond to:

  • Any Activity Involving Live Animals
  • Any Activity Involving Motorized Equipment or Vehicles
  • Birthday Parties
  • CBD-Related Events – For CBD event insurance, visit insurancecanopy.com
  • Christmas Tree Lot
  • Concerts
  • Directing, Hosting, Organizing, planning, promoting, or sponsoring a fair, festival, show, or similar event
  • Disc Jockeys (DJs) – For DJ liability insurance, visit insurancecanopy.com
  • Martial Arts Events
  • Medical Professionals
  • Narcotic-Related Events
  • Performing Artists/Musicians – For entertainer insurance, visit insurancecanopy.com
  • Political Rallies, Demonstrations, or Events
  • Pumpkin Patches
  • Sales or Distribution of Narcotics
  • Sporting Events
  • Three-Dimensional Installation Artwork
  • Murals
  • Weapon, Knife, and Ammunition Exposures
  • People hosting events such as weddings, Baby showers, sporting events, etc... are excluded from this policy.

What cannot be added to the policy?

Does ACT work for selling at auctions?

Generally speaking, ACT does not work for selling things at auctions. The only way this policy could work while selling items at an auction is if the products being sold were not being sold by they auction. For example if there was a separate vendor's area.

Does ACT insure art galleries?

ACT is not designed to insure the art gallery itself. If you are an artist who is putting their work in the gallery, this policy may work for you. First, if you are looking to cover the value of your art while there at the gallery, this is not a fine arts policy and we recommend searching a local agency for a policy that fits. Second, if you just need a policy that covers the liability of your artwork, this policy is designed for that.

Does ACT insure/cover topicals such as soaps, lotions, creams, etc?

ACT is not designed to insure any topical products. If you are trying to get insurance for a topical product in conjunction with a product that ACT insures, we have a cross policy option that will extend your coverages to insure both types of products. If you do not offer a product that fits under our ACT policy but sell a handmade topical product, check out our IBN or HSCG partners for a policy that will fit your needs.

Does ACT insure/cover any type of art installation/public art installation?

ACT Insurance does not insure any type of art installation. We recommend seeking a local agency for such a policy.

Does ACT insure/cover an installation of a sculpture?

ACT Insurance does not insure art installation. We recommend seeking a local agency for such a policy.

What is ACT's definition of 80% handmade?

At least 80% of the sales from the products a policyholder sells must have been made by the insured. For the product to be considered "made," the policyholder must alter the materials. For example, a policyholder cannot just resell a product such as paper; if two pieces of paper are glued together, they would now be considered handmade.

Does ACT insure Cosmetics made by the policy holder?

While the ACT Pro policy does not work for cosmetics you make, we have some alternative options. If you are going to be selling your product at a local show and need a short-term policy that does not cover your product but covers you while at the show, our ACT Go policy will do the trick. If you need something for your product and/or something a bit more long-term, our HSCG or IBN policies will work great. I will be happy to answer any questions about those policies.

Does ACT cover/insure private label cosmetics?

While ACT does not insure/cover private-label cosmetics, we recommend our partner company Insurance Canopy. 

Can ACT insure/cover Amigurumi plushies?

Amigurumi plushies and any other products designed for children are excluded from the ACT policy. For Further information please see our exclusions: https://www.actinsurance.com/act-policy-exclusions

Can ACT cover/insure face painters?

While ACT is not a good fit for face painters, our brokerage offers a policy that is! Please visit our BBI website to learn more about our policy, which is a great fit for face painters.

Can ACT cover/insure writers?

ACT is not designed to insure the products of a writer but our ACT Go policy can insure a writer who is at an event not put on by him/herself who is promoting their book.

Does ACT insure/cover life coaches/other type of coaching?

ACT is not designed to cover/insure life coaches or other types of coaching. Please see the LET policy offered by our partner Insurance Canopy.

Does ACT cover/insure live plants?

The ACT Pro (annual) policy does not work for live plants. The ACT Go (event) is designed to insure the policyholder for their operations as a vendor and not their product. Because live plants are not a product restriction, the Go policy could be purchased for the event but would not work for the product. If you need product coverage, we recommend searching for a local agency.

Does ACT cover/insure 3D-printed items?

The ACT Pro policy is designed to insure 3D-printed items, as long as they are not on the exclusions list (e.g., items made for children like toys). The ACT Go policy is designed to insure you while vending but not to insure any products. This means you could use the Go policy to sell while at events, almost no matter what your product is.

Can I use this policy for a mural or installation art?

Artwork for a mural or installation art is not covered under this policy.

Can ACT cover/insure my product if it could be used by adults and children?

The ACT Pro policy is designed to insure your products if they are designed for both adults and children. The policy exclusion for children's products is if they are exclusively designed and/or marketed for Children.

Does ACT insure parties

ACT Insurance is not designed to insure parties. ACT insurance is designed to insure certain products and people promoting things at events. If you are hosting a party, we recommend www.theeventhelper.com. If you are performing at a party, we recommend Insurance Canopy.

Does ACT insure performers?

ACT is not designed to insure performance art or performers in any state, whether for up to three days or a full year. It is strictly intended for product art. For performance art, please visit our trusted partner, Insurance Canopy.

Does ACT insure Psychics?

ACT is not designed to insure psychics or psychic readers in any state, whether for up to three days or a full year. It is strictly intended for product art. For psychics, please visit our trusted partner, Insurance Canopy.

Does ACT insure comedians?

ACT is not designed to insure comedians, whether for up to three days or a full year. It is strictly intended for product art. For performance art, please visit our trusted partner, Insurance Canopy.

Does ACT insure at places like stadiums and theatres?

While ACT can insure businesses at places like stadiums and theatres, it is strictly designed for vendors at those locations and not for those performing. ACT is not for you if you are a performer or offer performance art. We recommend you visit our trusted partner, Insurance Canopy.

Does ACT insure events?

ACT is designed to insure individuals or companies participate as vendors in different events. Please see our exclusions page to see what events and products are not designed to be insured by this policy: https://www.actinsurance.com/ACT-policy-exclusions. This policy is not designed to insure event hosts, planners, those who run the event, directors, organizers, promotors, or sponsors.

Does ACT insure camps or special events?

ACT is designed to insure individuals or companies participate as vendors in different events. This policy is not designed to insure event hosts, planners, those who run the event, directors, organizers, promotors, or sponsors. We recommend The Event Helper for those types of policies.

Does ACT insure dances?

ACT is designed to insure individuals or companies participate as vendors in different events. This policy is not designed to insure event hosts, planners, those who run the event, directors, organizers, promotors, or sponsors. We recommend The Event Helper for those types of policies.

Does ACT insurance cover/insure any short or long-term policies for dances, balls, galas, or any other events?

The ACT policy is not designed to insure the event holders, planners, etc., for any type of events they are hosting, including but not limited to dances, balls, galas, or any other events. We recommend The Event Helper for those types of policies.

Does ACT insurance cover a Gala?

ACT insurance does not cover a Gala. We recommend The Event Helper for those types of policies.

Can you insure artwork for its retail or sale value?

We do not offer coverage to insure your artwork for its retail value. You may want to check with a local insurance agent or agency near you for a fine arts policy.

What is a fine arts policy?

Fine art insurance provides financial protection for art collections such as sculptures, paintings etc.

Does ACT insure permanent jewelry?

ACT does not insure permanent jewelry at this time. We recommend speaking with a local agency.

Is this policy designed to insure rental equipment?

This policy can insure rental equipment if the Inland marine coverage is added. 

Does this policy cover water damage?

Some forms of water damage are covered under this policy while others are not. If you are not yet a policyholder, please send us an email request for a sample policy to [email protected]. If you have a policy but nothing has happened, please go to your dashboard and download your policy. If something has happened, please file a claim by logging into your dashboard and clicking, "file a claim."

Does ACT insure event cancellation insurance?

ACT does not insure cancellation insurance at this time. We recommend speaking with a local agency.

Can I use ACT if I am hosting an event?

ACT is not currently available for event hosts, it is only for people who would be a vendor at an event. If you are hosting an event, please go to www.theeventhelper.com. They may be able to assist you in finding the coverage you need as an Event Host. 

Does the ACT Go policy work for teaching classes?

The ACT Go policy does not work for teaching classes. The ACT Pro policy can work for teaching  classes allowing two criterion are met:

  1. Teaching art and craft classes are secondary to the products you make and sell (makes up less then 20% of the gross income), which must be insurable under this policy, and
  2. The professional liability is added to the ACT Pro policy ($125 extra).

If what you do does not sound like a good fit, please check out the LET policy through our partner, Insurance Canopy.

Is there any coverage for shipping with this policy?

The Tools, Supplies and Inventory (Inland marine) coverage can apply to shipping your ACT products for the cost of the materials used to make it and up to the limits selected on your policy. Please keep in mind that Inland Marine does not insure for the product's retail value or for miscellaneous disappearance. We recommend purchasing shipping insurance from contract carriers such as UPS, FED EX, USPS etc. to cover broader causes of loss that would not be insured under this policy. Please see our blog for more about shipping.

Can this policy be used to insure vintage sellers that sell vintage items/clothing?

While the ACT Pro policy would not be able to insure the selling of vintage items/clothing, the ACT Go policy would be able to be used for that. 

If you have any questions or need assistance, please contact us by chat, phone at 844-520-6991, or via email at [email protected].
For events looking to partner with us, please go here: https://www.actinsurance.com/partnership
Appointed agents and brokers may go here: https://www.veracityvue.com/ 

WHO IS AN INSURED

This article is what the policy states who an insured is.

1. If you are designated in the Declarations page of the policy as:

  • An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner.
  • A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business.
  • A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers.
  • An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders.
  • A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees.

2. Each of the following is also an insured:

  • a. Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your
    "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are insureds for:
    • "Bodily injury" or "personal and advertising injury":
      • To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co-"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business;
      • To the spouse, child, parent, brother or sister of that co-"employee" or "volunteer worker" as a consequence of Paragraph (1)(a) above;
      • For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (1)(a) or (b) above; or
      • Arising out of his or her providing or failing to provide professional health care services.
    • "Property damage" to property:
      • Owned, occupied or used by;
      • Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company).
      • Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager.
      • Any person or organization having proper temporary custody of your property if you die, but only:
        • With respect to liability arising out of the maintenance or use of that property; and
        • Until your legal representative has been appointed.
        • Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part.
  • Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insurance available to that organization. However:
    • Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier;
    • Coverage A does not apply to "bodily injury" or "property damage" that occurred before you acquired or formed the organization; and
    • Coverage B does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations.

Who are not insureds:

According to current regulations, individuals classified as 1099 workers are not eligible to be added to someone else's insurance policy, However, they have the option to purchase their own insurance policy.

Can I insure someone I share a booth or studio with?

If those you are sharing a booth with consist of W-2 employees or other people who are on your business license, the answer is yes. Volunteers may also be insured. If they are 1099 independent contractors or just a group of people who have gotten together to share a booth or space, each individual contractor or person would need their own policy. 

What coverages or policies can I get outside of the ACT website?

This article goes over what coverages/policies we can provide as well as coverages and policies that will need to be purchased outside of ACT Insurance, and its partners.

Coverages and policy that our partners and us can provide:

Can you provide workers comp?

While ACT insurance does not offer workers compensation, our partnership team Insurance Canopy does. To get started, here is the link to the Workers' Compensation application: https://app.insurancecanopy.com/application/workerscompensation. One of our partnering agents will get back to you within 3 business days (usually sooner) with a quote. Because the price of the policy varies, we are not able to offer a price range for the policy.

Workers comp is designed to insure the W-2 workers of your policy in case they become sick or injured while on the job. Different events or landlords may require this. It could sometimes be extended to your 1099 employees, but this is rare. Your business must have at least one part-time W-2 employee to qualify for the policy.  

If you have any questions or need assistance, please contact us by chat, phone at 844-520-6991, or via email at [email protected].
For events looking to partner with us, please go here: https://www.actinsurance.com/partnership
Appointed agents and brokers may go here: https://www.veracityvue.com/ 

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