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ACT information for new customers

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How do I purchase the policy?

About Artists, Crafters and Tradesmen (ACT) Insurance

ACT Insurance is an online insurance policy explicitly designed to help artists, crafters, and tradesmen who sell their handmade (items that are manufactured by you and/or your business) arts and crafts across the nation. With ACT Go (short-term)  and ACT Pro policies, ACT insurance has the high-quality, low-cost insurance you need to create a financial safety net for your business. We've helped thousands of business owners protect their businesses from the cost of claims.

ACT insurance is managed by Veracity Insurance and has been in business for over 10 years. The insurance carrier for this policy is Great American Insurance Group.

Once you've purchased your ACT policy through this website, it will become active on the date you selected during the application process. After verifying your payment, the policy documents will be automatically emailed to you. You'll then be able to access your ACT user portal, where you can view and print your insurance certificate and documents. Additionally, you can add additional insured parties and manage your account online around the clock. 

What rating does your insurance company have?

We offer low-cost insurance plans through our partnered carrier, Great American Alliance Group, an A+-rated insurance provider known for its financial stability and excellent customer service.

What type of policy is this...claims made or occurrence form?

ACT Insurance is a legitimate policy that offers an occurrence-form policy managed by Veracity Insurance. Under the “occurrence” form policy, you are covered for alleged acts of negligence that occurred while the policy was in effect. It does not matter if the coverage is in effect at the time the claim is made. The benefit of occurrence coverage is that even if you cancel your policy at some future date, you will still have coverage for events that occurred while the policy was in effect. For example, you buy a policy in 2014, treat Client A in 2014 and terminate the policy 2015. In 2016, Client A sues you for an incident that occurred in 2014. You are covered, because you were insured when you treated Client A. With an occurrence policy, it does not matter if you are covered when the suit is brought.

Is ACT an admitted policy?

ACT is an admitted policy. Admitted insurance refers to insurance policies issued by companies that are licensed and regulated by the state where the policy is sold. This means the insurer must comply with state regulations, including financial stability requirements, and is backed by the state's guaranty fund, providing a layer of financial protection for policyholders. 

What do we do with your email?

We may keep the emails you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send emails of specific interest to you. Please be careful about the information you give us in an email. As with any public website, this communication may not be secure.

If you have filled out an application, you will have agreed to our email/phone use statement. If you have filled out the first step of an application, provided ACT Insurance with your email, and did not complete the application, we may send you a single email reminding you of your unfinished application.

You can unsubscribe from Newsletters & Misc. Marketing Emails by clicking the unsubscribe link at the bottom of the email.

Contact information

Phones - We can be reached in a variety of ways. For things that require a lot of explanation, we offer our phone services. They are here Monday-Friday from 6 AM to 6 PM MST. Here is the number (844)520-6991. We recommend using this chat feature if at all possible.

Chats - The chat feature is currently being used. The chat  We offer 24/7 access to our chat feature. If this automated chat feature cannot resolve your question(s), it will pass you to a live agent during business hours (Monday to Friday, 6 AM to 6 PM MST). We will reply during the next business day if it is after hours. 

Email - For all changes to the policy or for things that are not urgent, sending an email will be the smart way to communicate. Please allow one business day for a reply from one of our email agents. [email protected].

What is the phone number for ACT?

Our phone number is (844) 520-6991. At times, our phones can have higher wait times. For a fast response, please use this chat feature.

Is there another phone number for ACT?

The only phone number for ACT is (844) 520-6991. Our phones can sometimes have higher wait times. For a fast response, please use this chat feature.

Does ACT work on holidays.

ACT does not work on the following holidays:

  • Good Friday
  • Memorial Day
  • 4th of July
  • Labor Day
  • Thanksgiving
  • Day after Thanksgiving
  • Christmas Eve
  • Christmas
  • New Years Eve
  • New Years

Business hours

Our business hours are 6 AM to 6 PM MST. During those hours, we will be responding to emails, answering phone calls, and will have a live agent helping with chats in the occasion when the chatbot is unable to answer a question.

Are you open?

Our business hours are 6 AM to 6 PM MST. During those hours, we will be responding to emails, answering phone calls, and will have a live agent helping with chats in the occasion when the chatbot is unable to answer a question.

Are you closed?

Our business hours are 6 AM to 6 PM MST. During those hours, we will be responding to emails, answering phone calls, and will have a live agent helping with chats in the occasion when the chatbot is unable to answer a question.

Manage your online account and policy documents

Do I have an online account/How do I create an online account?

With this online policy, an online account is automatically created for our policy holders once a policy has been purchased to allow them to manage their policy and access their documents. The log in button is located in the top right corner of the ACT webpage or you may click here: Login

How do I log in to my account?

To log in to your account, click the Login button in the top right corner of the ACT webpage. Enter your email address used to purchase the policy. 

Please note that the Google/Facebook login option is not currently working. The email address and password will need to be manually entered. 

How do you set up a log in?

As a new customer, in the application there is a section where you are able to set up your own password or not. After the policy is purchased, you will be prompted to confirm your email. Once you confirm the email, it will log you into your dashboard.

What is a magic link?

The magic link used to be used for you to log in with a link that is generated and sent to your email. This is no longer a system that we use.

If you are not getting the prompt to log in with your email, please select "forgot password" and then enter your email and send. Once you receive the email, you are able to click the link and create a new password.

Which email did I sign up with?

We will send an email to the inbox we have on file. If you tried to sign up with multiple emails, we will only send emails to the email(s) that was/were used to purchase the policy.

How do I Reset my password?

1. Click on Forgot Password.
2. Enter your email address
3. A link to reset will be sent
4. The new password must have at least eight characters.

How do I view and download my proof of insurance, insurance cards, COI's and receipts?

Your policy documents and receipts can be found on your dashboard under "My Policies." Double click on the document to download and/or print the document.

For specific questions about your current or renewing policy, please get in touch with us. 

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/ 

So you want to get started with the purchase of your policy. Where to start.

Eligibility

A common question among potential policyholders is, "Am I eligible to get this policy?" Others ask, "What type of operations are insured under this policy?" To better understand the answer to these questions, we first need to know how an insurance policy like this one works. Many people think that the language of an insurance policy will specify every case where a policyholder would be covered. This is simply not the case. It would be impossible to list every single scenario where a claim could be made. Instead, the language of a policy is much more broad.

A policy will identify a group of people whom the policy is designed to insure. For example, this policy is intended to ensure artists, crafters, and tradesmen. Then, the policy begins to cut out and exclude certain groups of people and operations. With the ACT policy the following groups of people have been excluded:  

Exclusions for the ACT Pro policy

Can I obtain act insurance if I currently have a claim unrelated to my business?

The claim question is asking if you have a claim from your business. If you do not have a claim from your business, that question does not apply to you.

What is the maximum annual/gross income for our policies.

The ACT Pro has an annual/gross income limit of $200,000. The ACT Go policy does not have any income limits.

Can I sell my 3D printed products?

This policy is designed to insure 3D printed products as long as they are made by you and/or your company and that they are not designed for children or fall under any other exclusion.

I want to know if this policy will work for my/the show's needs before I purchase the policy.

The policy is a general liability policy for your business needs, designed to be used by vendors. Please let me know here in this chat what needs you have at this time.

Does the ACT Go policy cover/insure online sales?

While the ACT Go policy is only good for in-person events and does not work for online sales the ACT Pro policy would be able to insure online businesses that do not fall under any exclusions.

Is there coverage for those who sell candles, candle-like products, or topicals such as soaps, lotions, cosmetics, creams, ointments, etc?

Candles, candle-like products, or topicals such as soaps, lotions, cosmetics, creams, ointments, etc., make it so the ACT Pro (formally Annual) policy cannot be purchased. The Act Go (formally Show) can be purchased for short-term liability coverage for the event but does not come with any type of coverage for your product. The best option will be to go through either the Handcrafted Soap and Cosmetics Guild (HSCG) or through the Indie Business Network (IBN). With one of their memberships, our parent company Veracity is able to provide a discounted policy that is similar to the ACT Pro policy.

Where can I get more information about what is on the policy?

The best place to get information about the policy is from the policy itself. We offer sample policies for both our ACT PRO (annual) and our ACT GO (short term) policies. We invite those interested in the policy to go over the policy and ask our agents if there are any questions. Our website is also full of information.

I am looking to get insurance for...

ACT is designed to insure small businesses and individuals who are generally in the art, crafts, and other trades. We have two options to choose from depending on your business needs.

  1. Our ACT Pro option is designed to insure small art, craft, and other trade businesses insure products they make and sell. Be sure to check out our website for more details.
  2. Our ACT Go policy is designed to help vendors at a show for short-term coverage. Because we do not cover the product, we only exclude very few products.

I need insurance for an event.

We are able to insure vendors while at events put on by other people. We are not able to insure those involved with planning/hosting an event. If you are planning/hosting an event, we suggest www.theeventhelper.com

Does ACT insure birthday parties?

ACT is not designed to insure any sort or party. We suggest trying www.theeventhelper.com

Does ACT work for wholesaling operations?

ACT is designed to insure businesses who make and sell products that are not on our exclusions list. If your business is not making the products it is selling, this policy will not work for you. If this is the case, please check out our partner company: Insurance Canopy.

Can I run/host art shows/exhibitions, public events, other events?

This policy is not designed to insure the host/event planner of any sort of event. This policy is designed to insure the vendors at such events. If you are planning to host or plan any type of event, we recommend www.theeventhelper.com. Also, ask us about our partnership program. If you are a vendor at someone else's event, this policy is purchased from our website with the "buy" button.

Hosting versus participating

If you are hosting an event/meeting, are an event planner/event organizer, or are in charge of an event, meeting, activity, etc., this policy is not a good fit. For that type of policy, we recommend going with www.theeventhelper.com. The ACT Pro policy is designed for those who are vendors selling a product that is not excluded. The ACT Go policy is designed to insure the liability needs of those selling a product or promoting a service.

What are some of the timelines regarding the policy?

  1. It takes 5-10 minutes to purchase (order time). Your payment is withdrawn immediately when the application is submitted.
  2. It takes less than 5 minutes to access your policy documents or to make changes to your documents through your dashboard.
  3. Our typical turnaround time for emails sent to us is about 1 business day (up to 3 business days).

How far out can I purchase the policy?

Our ACT Go policies may be purchased within 6 months of the start date and the ACT Pro annual policy can be purchased within 3 months of the start date. The payment is taken when you submit your application and coverage begins on the date that you choose. We are in the process of making this policy available up until the master policy renews.

Is the price the same for a company vs individual artists?

The price is the same for both companies as well as individual artists. Please note that we can insure companies with W2 employees not not companies with 1099 contractors.

How long is this policy good for?

When it comes to the duration of the policy, we offer a few short term options or an Annual policy.
ACT Go policies
1 - 3 Consecutive Days……………………...……….$49
7 Consecutive Days………………………....………...$99
Up to 90 Consecutive Days………………………..$149

The ACT Pro policy starts at $279 or $24.25/month.

Please note that if you are attending multiple events throughout the year, it might be more cost-effective to go with the annual policy.

What if I need coverage 1, 4, 5, or 6 days? Can I choose specific days of coverage?

We are not able to tailor a policy for a specific number of days. The current show options are a 3, 7 or 90 day policy.

How to purchase ACT Insurance

How do I purchase the policy?

To get a quote or to purchase the ACT policy click on any "Buy/Buy Now" button to get started.

Buy Now  

  1. Select Buy Now/Buy a policy 
    You will then be directed to our online policy application form.
  2. Fill out the application with your information and select any add-ons according to the coverage you would like to purchase.
  3. At the end of the form, view your quote and select purchase policy. You will be charged once you submit your online application.

On the application the Policy Holder Information will be your information or the name of the individual/business that needs to be insured.

Where is the "buy" or "purchase" button located?

The easiest place to find the "buy/purchase" button is always at the top right of the website, where it says "buy now." Alternatively, there are other buttons labeled "Become an ACT Pro today," "Get an ACT Go policy," or "Buy an ACT Go policy."

Can I add multiple email addresses

Whether it be in the application or for an additional insured, only one email address can be added per field.

Can the application be saved?

The application is automatically saved for about a day. After that, the application process will need to be started over. 

Proceed to checkout is not working.

I am sorry to hear that. To fix this issue, lets try the following:

  1. Check the application for anything that could be missing.
  2. Refresh the page. The application might have timed out.
  3. Try a different browser.
  4. Try a different device.

Is my policy approved/proofed before purchasing it?

While we do not proof read applications before the application is sent, we have a few methods in place that will help reduce errors and time wasted for those who do not qualify. The questions on the applications are intended to stop anyone who answers them honestly. Second, we have phone and chat agents who can help guide someone. You would just need to be specific about what you do so we can give an answer. Third, our compliance team goes over every policy to ensure they are a good fit.

I do not see the application for the policy.

Click here to access the application for the policy.

Do I need to have a business?

This policy can insure an Individual/Sole proprietor, LLC, Corporation, and/or Partnership/Joint venture. If you do not have a registered business, your business type would be an Individual/sole proprietor.
If you change the structure or business type of your business after the policy has been purchased, an agent may update that for you by emailing [email protected].

Which address should I used on the application?

The policy holder name will be your first and last name. The business name will depend on your business type. If you are an individual/sole proprietor the business name is your first and last name. 

The address would be your physical street address.  If the Event/Venue requires you to name them on the policy, they would be added as an Additional Insured with their address.

Can I do business in a state other than the state that I live in?

Our policy holders can do business in all 50 states, US territories, and Canada. You have to live in any of the US states minus Missouri. You do not need to specify which states you will be working out of. If your address or business is in Missouri we we suggest searching for a local agency who can help as we are not able to insure those within the state of Missouri.

Who offers this type of policy is Missouri?

If your address or your business is based within the state of Missouri we suggest searching for a local agency who can help with such a policy. We would not be able to offer a policy to those who are based out of Missouri, even if the event is in another state.

Did you see my application?

I am not able to see any applications but I would be happy to answer any questions about your application. Please post your question or concern here and I will be happy to get you an answer.

Do I need an account or "login" to purchase a policy?

An account or "login" is formed after a policy has been purchased (or if you filled out an application previously). If you are being asked to log in to your account when trying to purchase a new policy, it means you already had an account with us previously. Try logging in to your account and then adding a new policy.

Pricing/payment information

How much does the policy cost?

  • Starting at $279 a year $24.25/month, we offer our annual policy. This policy will give you a full 365 days of coverage from the policy start date.
  • ACT Go policies
    1 - 3 Consecutive Days……………………...……….$49
    7 Consecutive Days………………………....………...$99
    Up to 90 Consecutive Days………………………..$149

The application is quick and simple. If you get stuck on a question, please do not hesitate to reach out.

To get started with the application, click the "Buy" button for the desired policy anywhere on the website. *Pricing may increase depending on taxes and fees and any additional add-ons selected on the application or any time after purchase.

Taxes

Just like everywhere else, this insurance policy may be taxed based on your state and local laws. If taxes are required, they will be paid for during the initial purchase, regardless of the policy payment plan.

Why did the price on my application go up?

There are multiple reasons why the price can go up while on the application. First, for monthly policies only, the first and last month plus any fees and taxes will be included. Your following months will go down from there. Second, if anything is added to the policy such as coverages or endorsements, the policy could go up. If any additional coverage is added to monthly policies, it could cause the monthly price to go up.

Why is ACT so expensive?

ACT strives to maintain the lowest prices of this type of policy in the industry and so far we have not been able to find a lower price for what we offer. Insurance prices have gone up over the years but we have remained more affordable than our competitors. 

Do you have any discount/Promo codes?

There are currently no promo/discount codes available. We recommend contacting the venue or event directly to inquire about any available promo options. They are the ones who would have the most up-to-date information and could help you if they have any promo/discount codes available.

Can I get a quote?

While we do not give quotes per se, our application doubles as a price calculator. To obtain a quote, please fill out the online application. An accurate quote will be provided on the final checkout page.  If your application session times out, please restart the application or contact us for assistance.

Can I get a quote sent to me via email?

Because this policy is purchased from our website and is customizable, we do not offer quotes at this time. The final price is calculated through the online website and will be based on the selections made in the application. This helps to ensure that your price is for the exact policy that your business needs. To get started, click the buy button.

How will I know what the final price is?

To simplify the process of determining the final price, we have designed user-friendly applications. These applications take into account your business's specific requirements and calculate the policy's appropriate cost. Whether you opt for the event policy or the annual policy, our applications have proven to be efficient in providing accurate price assessments. Click Buy ACT Go to get to the application for the "Go" short term show policy, or click ACT Pro for the annual "Pro" policy application.

How do I know if the payment went through/if the policy has been purchased?

A confirmation screen will appear upon submitting the online application, and a confirmation email containing your policy documents will be sent. You may also download your receipt showing the date and amount. When the policy is purchased, it creates an online account or dashboard. By going to this dashboard, you can download documents and make changes to your policy as needed.

Can my price go up?

Yes, the answer to this question is both yes and no. The price of a policy can indeed increase from year to year as insurance companies adjust their rates to account for factors such as inflation, changes in risk factors, and overall market conditions. As these factors change over time, the price of the policy may be adjusted accordingly at the time of renewal. However, it is important to note that the price of a policy cannot increase during the policy period that it covers.

Are there any fees with the account?

The most common fee associated with this account is the monthly fee. Other fees might be applicable depending on where you live. Also, depending on where you live, taxes might be charged.

Why are your prices so affordable/cheap?

Here are a few reasons why our policies are so affordable:

- ACT policies are purchased and serviced online. Our customers are not paying for overhead expenses such as:
•An office in every town
•Furnishings for every office
•Commissions

-Since we specialize in small business and niche market policies, we understand the needs of our clientele. We work hard with our carriers to ensure we offer the best possible prices.
One of the ways we do that is by using a Risk Purchasing Group (RPG). 
- We are a paperless company. We can pass those savings on because we are not spending money to send you your documents.
Our goal is to save our customers money and provide the best products and services possible.

What types of payment do you accept?

We accept debit and credit cards with a valid U.S. billing address for all purchases made on our website. Please note that we do not accept any other forms of payment, including cash, PayPal, Prepaid debit cards, or payment information provided over the phone or email.

Rest assured that your payment information is securely processed through our encrypted payment gateway. Your sensitive data is protected to ensure a safe and secure transaction every time you shop with us.

For security reasons, we require a valid U.S. billing address to process your payment. Please ensure that the billing information provided matches the details associated with your card to prevent any delays or issues during checkout.

Once your payment is successfully processed, you will receive a confirmation email with the details of your purchase. If you encounter any problems or have inquiries regarding payment methods, feel free to contact our customer support team for assistance.

How do I view or add/change my payment information on my account?

To edit the payment option under your account:

  1. Login to your dashboard (AKA your online account)
  2. Click the “Payment Profiles” button under the “My Profile” section
  3. Click on “Update” to add a different card to your account or to modify an existing card OR
    Click on “Add new card” if you would like to add a card to your account
  4. Enter Card information
  5. Click the Submit/Update button
    *If you have multiple cards on file, select "Add card to policy" for the card you wish the system to charge. You may also delete any cards on file that you no longer wish to use.

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/ 

My show/event got cancelled/ I did not get into my event. Can I cancel/refund my policy?

You can request cancellation/ a refund of your policy before the start date of your policy if your show/event is cancelled or if you do not get into your show/event. To request this please follow the steps below:

To cancel your policy, log in to your dashboard and go to the "My Policies" section. Scroll to the bottom of the page and click "Cancel Policy."

If you experience any issues during the cancellation process, please email us at [email protected] from the address linked to your account with your name, policy number and reason for cancelling.

Please allow 7–10 business days for the cancellation to be processed.

If you need to cancel and immediately purchase a new policy, follow the steps above, then contact us directly so we can prioritize your request.

Monthly payment information

Do you offer monthly payments with the annual policy?

Yes, we do! The ACT Pro/Annual policy now offers a monthly payment option of $24.25.

The initial payment includes the first and last month's payment plus any fees and taxes. The taxes and fees may vary depending on your state and is calculated at the checkout section of your application. This allows you to enjoy the benefits of the policy with the convenience of monthly installments.

If I choose the monthly payment option, do I have to pay for an entire year?

While it is not required to pay for the full year, it is more cost-effective to pay for the entire year. The monthly payment option requires that the first and last payments of the year be paid upfront, plus any other taxes and fees. After that, the remaining 10 monthly fees are to be paid monthly. If the policy needs to be cancelled, there are no fees or penalties for cancelling the monthly payments. 

To cancel your policy and remaining scheduled payments, log in to your dashboard and go to the "My Policies" section. Scroll to the bottom of the page and click "Cancel Policy."

If you experience any issues during the cancellation process, please email us at [email protected] from the address linked to your account with your name, policy number and reason for cancelling.

Please allow 7–10 business days for the cancellation to be processed.

If you need to cancel and immediately purchase a new policy, follow the steps above, then contact us directly so we can prioritize your request.

What is the UTA fee?

The Universal Trade Alliance (UTA) is a rebrand that will help us be more compliant with the insurance industry's rules and mandates while also building something that can add value to our customers' experience with us. It gives our members more tools and resources to start, grow, and protect their businesses, so they can turn their passions into professions.

The main benefit of the UTA is the insurance we provide, but it also allows us to provide additional benefits like discounts on services. An additional benefits section on the customers' dashboard will have a PDF with benefits and discount codes exclusive to UTA members. Benefit features may not be up yet on the Dashboard. If you don't see it listed on the DB, it is not up yet or available.

The UTA fee is currently on ALL products. It has replaced the agency fee, or the RPG fee that used to be listed on the Declarations page (proof of insurance). It is not a new or additional fee.