What do I need to know as a current customer?

Question

Accepted Answer

Manage your online account and policy documents

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

With this policy, an online account is automatically created for our policy holders and applicants once an application has been started. An account is to help them to manage their policy and access their documents. The login button is located in the top right corner of the ACT Insurance webpage, or you may click here: Login

Did I purchase a policy already?

To see if you have purchased a policy, login to your dashboard and click on the "my policies" button. If you have a policy that is active, it will be listed there.

I do not have an account.

With this policy, an online account is automatically created for our policy holders and applicants once an application has been started. An account is to help them to manage their policy and access their documents. The login button is located in the top right corner of the ACT Insurance webpage, or you may click here: Login

How do I log in to my account?

To log in to your account:

Click on the Login button located 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.

Am I covered currently?

To see if you currently have coverage, login to your dashboard and verify the starting and expiration dates. If today is within that timeframe, you have coverage.

I paid for a coverage but I do not see it on my policy.

If you have paid for a coverage but do not see it on your policy, depending on the coverage, it might be on a different document. Be sure to review all of your policy documents. If you need further assistance, please give us a call.

I applied for the policy. Is there more information needed from me?

Once a policy has been purchased, our compliance department will go over it. If they have any concerns about if the policy will work for your business, they will email you. This is for a very small percentage of our customers. The application makes it so this rarely happens.

How to manage an account

View this short How-To video to navigate and manage your account!

https://www.youtube.com/watch?v=Y8ygQSaR4uY

Managing your ACT account is easy. Once a policy has been purchased, you will have access to your policy and account. The most important thing to know is how to log in. Simply:

Click on the Login button located in the top right corner of the ACT webpage.
Enter your email address used to purchase the policy.

In your dashboard, you can manage the following tasks:

View important information about your policy
Download all of your policy documents
Add additional insureds and basic endorsements to your policy
Make changes to the DBA, payment information, and website (changes such as name, business name, address, and business type need to be requested via email)
File a claim
Change your password
Download the ACT site seal to show your customers that you are insured
Adjust the status of your EZ renew enrollment

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.

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.

How do I Reset my password?

If you need to reset your password:

Click on Forgot Password.
Enter your email address
A link to reset will be sent
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 are under the "My Policies" button on your dashboard. Double-click on the document to download and/or print the document. Expired policies on your account can also be viewed. For specific questions about your current or renewing policy, please contact us by phone or email.

Please note that additional insureds/certificate holders will be listed in the lower left hand corner of the certificate of insurance.

A copy of your current or expired policy (policies) can be found on your online account.

Email me my policy documents.

We have two options for getting your documents to you. The first and fastest option is to log in to your dashboard and click on the documents you desire to download. Once you have clicked on these documents, they will be automatically downloaded to your computer. The second and much slower option is to request your documents via email. It can take up to 5 business days to receive your documents. Our email address is [email protected]

Did I add an additional insured?

All of your policy documents (including your additional insureds) can be found in your dashboard under "Download documents." To access your policy documents, simply login and download the desired document(s).

Is an event (ACT Go) policy needed if the policy holder already has an annual (ACT Pro) policy?

An ACT Go (event policy) policy is not needed if you already have an ACT Pro (annual) policy. Some events want to be added to your policy. Adding a brand new policy if you already have one for the dates they want you to cover will not help. Almost 100% of the time they want to be added as an additional insured. To add them, please log in to your dashboard and click on the "add additional insured" button. This does not cost extra and will get you what you most likely need.

How can I see what I paid in current or previous policies?

Whether curious, filing for taxes, or needing to plan your budget, the best way to see the amount paid (premium) for in your current or previous policies is to get a copy of your invoice/receipt. This is found by logging into your dashboard and clicking the My Policies button. From there, scroll down until you see the Invoice link. Click on that link to download a copy of your document.

How can I find my Invoice for my policy/purchase/renewal?

Invoices can be located by clicking on "My policies" in "Manage policies" and then scrolling down to the payment history.

Can my policy business type be converted from one type to another? For example from a sole proprietor to an LLC?

If you would like to go from one business type to another, please send us an email to [email protected] to get it switched over. Please include your new business type, business name and policy number. If you are transferring the business to a different person, they will need to start their own policy.

Why does my policy (holder) say it's the Beauty Health and Trade Alliance?

The Beauty Health & Trade Alliance (BHTA) is a Risk Purchasing Group that was formed to give small business owners access to the most cost-effective and comprehensive insurance possible. Risk Purchasing Groups (PGs or RPGs) are groups of policyholders with similar risks who may purchase liability insurance together as authorized by the Federal Liability Risk Retention Act of 1986. Each member/certificate holder of our online policy does not share limits with other participating members.

The named insured does not reflect my business.

You might be seeing the Beauty Health and Trade Alliance. If so this is correct and your business or personal name should be in the certificate holder section below. The Beauty Health & Trade Alliance (BHTA) is a Risk Purchasing Group that was formed to give small business owners access to the most cost-effective and comprehensive insurance possible. Risk Purchasing Groups (PGs or RPGs) are groups of policyholders with similar risks who may purchase liability insurance together as authorized by the Federal Liability Risk Retention Act of 1986. Each member/certificate holder of our online policy does not share limits with other participating members.

Why does the policy start and expire on the same day?

For annual/monthly (ACT Pro) policies, the start and the end date will be exactly one year apart. Be sure to check the year's end/expiration date and compare that to the start date. If this date is the same, please email us your policy number and the issue to [email protected]. If you purchased an ACT GO policy and the start and end dates are the same, please send us an email to [email protected].

Are there any one-day policies?

We do not offer any one-day or same-day policies at this time. Our 3-day ACT Go (Event) policy is the shortest time frame we offer.

I just purchased a policy. Can I change my payment from monthly to annual or from annual to monthly?

No, once the policy is purchased the monthly or annual payment cannot be changed or switched until the policy is up for renewal. If the policy was purchased with the incorrect payment type, the policy would need to be cancelled and repurchased with your desired payment type.
If your policy was just purchased and you wish to cancel:
Please login to your account,
Click on Change policy options, (select the policy number) there will be a button to cancel the policy.
If the button is not there, please send an email with your request to [email protected] with your name and policy number.

Has my credit card been updated?

Our agents here at ACT are unable to manage your credit card information. To see which card is on file, please log into your account and click on the "payment profiles" button. There you can see which card we have on file and update it needed.

I have not been assigned a policy number.

If you have not been assigned a policy number, it means that the master policy has not been generated. Simply put, we are finalizing a few things on our end and we will have it ready before its start date. If you need a copy of your policy document sooner, please send us an email with you request to: [email protected].

Nothing happens when I click on my policy.

If nothing is happening when trying to click on your policy, try resolving the issue by:

Refreshing the page.
Clearing your cache & cookies.
Checking your browser. Sometimes our websites work best with Chrome.
Checking your hardware. Try using other devices if possible.

What is my (insert information here) on my policy?

To view the information on your policy, please log in to your online account and download your policy documents. If you need to change your name, business name, information regarding your certificate of insurance (additional insured or AI), or email address on your policy, please email us your policy number and request. All other information can be changed through the dashboard.

Does ACT provide paper/hard copies of the document?

ACT is a paperless company; we do not provide or send hard/paper copies of any documents. All policy documents are available digitally through your online dashboard. They can be downloaded and emailed or printed off and given to someone.

What changes can I make through my dashboard verses via email?

Through dashboard:

Physical or mailing address
DBA
Phone number
Website on your policy

Via email:

Business name
Personal name
Email address
Business type (sole proprietor/individual, partnership, LLC, Corporation)
Policy dates
Certificates of insurance.

How to increase property damage coverage?

There are multiple types of property damage coverages. If you are referring to general liability, this policy comes with $1 million per occurrence and $2 million aggregate and can be increased in $1 million increments at $500 per million. If you are referring to the damage to premises rented to you coverage, this is set at $300,000 and cannot be increased. If you are referring to the gear coverage, we have two options that can be added to the ACT Pro policy: $5,000/$10,000 for an additional $54 and $10,000/$50,000 for an additional $259.

I changed my personal/sole proprietor name, business name and type, how do I update that?

If you have an active policy, you cannot change your business name from your account. To update your business name and type (Sole proprietor/Individual, LLC, Corporation, or Partnership), you can email [email protected]. Please include:

Your name
Policy number
New business information
An agent will update it for you.

Please keep in mind that these policies are non-transferable. If you sold your business or the business ownership has changed, the new owner would need to purchase their own policy. The new business owner would fill out a new application on the website to purchase a policy. This policy cannot be transferred to a different individual, or business owner.

How to update your address, DBA, phone number, or website on your policy.

Log in to your online account.
Once you are logged in, scroll down to the "My Profile" section on your Dashboard.
Look for the "Edit Personal Info" button and click on it.
Here, you can make changes to your first and last name, as well as your address.
After making the necessary edits, click the "Save" button to submit your changes.
The new information will automatically update on your account and policy documents.
If you do not see the updates reflected on your documents, try refreshing the page and checking again.

I need to add another address to my policy.

Your policy is not location specific, meaning that your policy works at any location in the US and Canada. If someone is requesting to add an additional insured, they can be added (including their address) by logging in to your account and clicking the "add additional insured" button. If you need to change the address on your account, please log into your account and make the change by clicking the "change personal info" button.

I'm filling out additional insured. However, it seems to be filled out with addresses I don't recognize.

If you are filling out the additional insured section and there are addresses you do not recognize, it could be due to filling out the wrong box. We have a search box there designed to auto-fill additional insured information with people who have already created a profile with us. Try erasing everything from the search box and filling in the individual boxes labeled name, address, etc.

How do I change/correct the information (address, name, etc.) of one of my additional insureds/certificate of insurance (not my information) on the policy?

If you need to change/correct the information (such as their name, address, etc.) of an additional insured/certificate of insurance (an address other than your address), please send us an email with your request, and we will process it in a timely manner.

Can I change my policy's start date, expiration date, or coverage dates?

Please send us an email to change any of the policy dates on the email. Our email address is [email protected]. Please be aware that we cannot backdate a policy or change the date if the policy has already gone into effect.

I need to adjust my policy dates. How do I adjust my policy dates?

Please send us an email to change any of the policy dates on the email. Our email address is [email protected]. Please be aware that we cannot backdate a policy or change the date if the policy has already gone into effect.

I need to adjust the length of my policy.

ACT Go policy lengths can be increased (but not decreased) allowing it is not on the 90 day option. This is done by logging into the dashboard and clicking the "change policy options" button and selecting the desired time. This can be done before the policy goes into affect. If you need to go from the ACT Go policy to the ACT Pro policy, the policy will need to be cancelled before it goes into affect and then the Pro policy can be purchased.

My insurance has the wrong date

To correct the date on your insurance, please send us an email with your policy number and your request to [email protected].

Where is the "Payment profiles" button in the dashboard?

The "Payment Profiles" button is located at the bottom left of the main page of your dashboard.

What is an endorsement?

An endorsement is an add-on to your policy. Often this will be a requirement from a client or Additional Insured/Certificate holder that you may do business with. For adding an Additional insured/Certificate holder we use a standard ACORD form called a Certificate of liability (COI).

What are the endorsements that you offer?

Additional Insured/Certificate Holder endorsement options:

Landlord/Employer - The Landlord/Employer additional insured type is used when your landlord is requesting to be added to your policy. It adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. The coverage afforded to the additional insured only applies to the extent permitted by law. This option creates the additional insured document CG 2026.
Retailer/Distributor/Vendor - This is an endorsement to the manufacturer’s or supplier’s commercial general liability policy, protecting you when selling or distributing items on behalf of a manufacturer, or sourced from a supplier, particularly when the supplier is providing goods manufactured offshore. The Insurance Services Office, which advises insurance companies, created the additional insured–vendors endorsement (CG 2015) which covers liability arising from the sale of a product. This endorsement creates a CG 2015.
Event/Show - This endorsement is designed to add the event or show your business is participating in. It adds a designated person or organization as an additional insured for liability arising out of the named insured's premises or operations. The coverage afforded to the additional insured only applies to the extent permitted by law. This option creates the additional insured document CG 2026.
Additional insured, Owners, lessees, or contractors - This $10 endorsement covers the additional insured with respect to liability caused by your ongoing operations. “Ongoing operations” does not include “completed operations.” CG 20 10
Additional Insured - Managers or Lessors of Premises (CG 20 11)- This $25 endorsement adds a premises owner or manager as additional insured.
Owners, Lessees or Contractors - Completed Operations (CG 20 37)- This $35 endorsement provides coverage to the additional insured for completed operations.
State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorization. This is a $25 endorsement.

How do I add an additional insured?

Login to your dashboard (ie your online account)
Click Add Additional Insured
Select the Additional Insured type: Landlord/Employer, Retailer/Distributor/Vendor, Event/Show, Owners, Lessees, Contractors.
Fill in the Additional Insured name and address with the information of the person requesting the additional insured document
When the email box has been filled (optional), the additional insured document will be sent to that email immediately upon submission.
If the description of operations needs something in it, that can be emailed to us: [email protected]
Watch this How-to video to Add an Additional Insured

When adding an additional insured/certificate holder their name and address is required. The email address is optional when being added through the dashboard.

Click here to watch how to add an Additional Insured.

Watch how to add an Additional Insured.

How to add Additional Insureds and manage your COI's.

https://youtu.be/bCk5d_Bze8M

Adding listed venues, events, or landlords as additional insureds.

If your venue, event, or landlord is listed as an event registered with us, their information will be added to your additional insured/Certificate Of Insurance (COI) when selected. Additional insured venues, events, or landlords often tell their people if they are listed. To find out if a venue, event, or landlord is registered with us, simply type in their name in the "search events" section when adding an additional insured.

Ways to get additional insured/COI to an event, landlord, etc.

There are multiple ways to get your COI/additional insured to the event/landlord etc. The easiest way is to add their email address to the form when adding them as an additional insured. The most sure way is to add them as an additional insured, download the document from your dashboard, and then email it to them. The third option is to request that we send it to them. This last option will take longer and there could be some hold ups such as a typo in the email address or a delay in us getting to the request.

Do have have to put an email address in the corresponding box when adding an additional insured

An email address is currently required. It should be the email address of the additional insured. If the system does not accept the email address that is being placed in there, you will need to make one up. Be sure to have it with the following format: [email protected].

How to find my event?

If you are a vendor at an event, log into your policy and add the event as an additional insured. Use the search box to see if they are registered. If they are not registered as an additional insured, leave the search box empty and add their information below. If you are hosting the event, all of the insureds who have added your event using the search box will be listed in your dashboard.

How to change the event address on my policy?

To have an event's address on your policy they must be added as an additional insured. This can be done in your dashboard by clicking the "add additional insured" button. If they have been added already but there is a typo in their address, please send us an email to get this fixed. Our email address is [email protected]. If you are looking to swap an additional insured, simply add another one.

Can an additional insured be added or removed during the policy period?

Additional insureds can be added at any time during the policy period. However, they can only be removed from the renewing policy within 30 days of the renewal. Please note that they only affect your policy when working with the additional insured or while working on their property. If you need to make a correction on the additional insured, please send an email with your policy number and your request to [email protected].

How much does the additional insureds cost to add on?

Additional Insureds (AIs) can be added to the policy at no extra cost, and there is no limit to the number of AIs that can be added.

Important disclaimer for additional insured: An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether personally or professionally. Adding additional insureds includes landlords, venues, events, or any other entity that may be held liable for your operations while you are at their location. This addition may require you to conduct business with them.

Can I add an additional company to my policy?

While we are not able to add a company to become a policyholder under your policy, an additional insured could be added. An additional insured is a company or organization that has been added to your policy to insure them for the operations your company will perform in conjunction with them, such as a landlord or event host. The can be added at no cost by logging into your account and clicking the "add additional insured" button.

What is an additional insured?

Adding additional insureds is done to include landlords, venues, events, or any other entity that may be held liable for your operations while you are at their location. This addition may require you to conduct business with them. An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level.

Can I add other vendors who will be at my booth?

If other vendors not associated with your business will be at your booth, they will need to get their own policy. If they are part of your business and not a 1099 contractor, they will have coverage. They cannot be added as additional insureds or by any other means.

I added the additional insured but do not see them listed on the policy.

If you added the additional insured but do not see them on your policy, you might be looking in the wrong place. The additional insureds will not be located on the proof of insurance (declarations or dec page), your liability policy document, or your display documents. It will create a new and separate document labeled as a certificate. This document will be located in your dashboard in the download documents section.

How to edit an additional insured.

If an additional insured needs to be edited, please send us an email to [email protected]. Please note that if a complete change of the additional insured is needed, please add the new even on as an additional insured in your dashboard.

I have tried multiple times to update my policy.

I am sorry to hear that. Please send your request to our advanced certificate team via email: [email protected]

When I try to add an additional insured, it says that their email address is already in use.

An email address is currently required. It should be the email address of the additional insured. If the system does not accept the email address that is being placed in there, you will need to make one up. Be sure to have it with the following format: [email protected].

Other names additional insureds go by:

Certificates of insurance (COI)
Acord forms
Rider
Certificate
Certificate holder
Co-insured

Here is a sample of the Certificate (COI) that is provided once an Additional Insured is added. ACT Go Sample COI and ACT Pro (Annual) Sample COI

After I have added an additional insured, how do I get a copy of my additional insured document?

To obtain a Certificate of liability (COI) please add an Additional Insured. Once added, a certificate of liability (COI) will generate on your online account and also be emailed to the email provided.

Once added, the additional insureds information will be shown in the lower left hand corner of the certificate of insurance under "Certificate holder".

Watch How-To download your COI

https://www.youtube.com/watch?v=OLsadDI_PMI

Where do I add the event/show/landlord address?

To add the event, show, or landlord address, they will need to be added as an additional insured. Here are the steps to adding an additional insured:

Login to your dashboard (ie your online account)
Click Add Additional Insured
Select the Additional Insured type: Landlord/Employer, Retailer/Distributor/Vendor, Event/Show, Owners, Lessees, Contractors.
Fill in the Additional Insured name and address with the information of the person requesting the additional insured document
When the email box has been filled (optional), the additional insured document will be sent to that email immediately upon submission.
If the description of operations needs something in it, that can be emailed to us: [email protected]
Watch this How-to video to Add an Additional Insured

How to find the event or landlord's information to add them as an additional insured

To find the event or landlord's information (such as their official name, address, etc.) we recommend contacting them. If they mentioned that they have an account or are one of our partners, we might have their information saved as an additional insured. If they are not partnered with us, their information can be placed in as an additional insured. Here is how to do that:

Login to your dashboard (ie your online account)
Click Add Additional Insured
Select the Additional Insured type: Landlord/Employer, Retailer/Distributor/Vendor, Event/Show, Owners, Lessees, Contractors.
Fill in the Additional Insured name and address with the information of the person requesting the additional insured document
When the email box has been filled (optional), the additional insured document will be sent to that email immediately upon submission.
If the description of operations needs something in it, that can be emailed to us: [email protected]
Watch this How-to video to Add an Additional Insured

What to do with a policy number.

Your policy number will begin with PL. When we ask for your Policy number, most of the time we are actually referring to your certificate number. Your certificate number will start with "AA" for the Pro (Formally known as Annual) policy or "AS" for the Go (Formally known as Show) policy. How can we help you now that we have your policy number?

How do I add new additional insureds during the application process?

The additional insured can be added during the application process. Please be sure to fill out all boxes, including an email address for the additional insured. Once the policy has been purchased, the additional insured can be retrieved in the online account/dashboard.

How do I add an event to my policy?

To add an event to your policy, please log in to your account and click the "Add additional insured" button on the main page of your dashboard.

Where does it say "add an event?"

The "add an event" button is for those who do not have a policy but are hosting an event, own a venue, or are property owners renting their property to our policyholders. If you are a policy holder, the "Add additional insured" button in your dashboard will be the correct button to add an event.

What is not an additional insured?

An additional insured is not designed to add members of your team, contractors, employees, friends or family. Basically, additional insureds are not for anyone associated with your business, whether on a personal or professional level.

What is the "description of operations?"

The description of operations enables you to add more information about the additional insured that cannot fit under the "certificate holders" box. For example, adding multiple additional insureds to the same certificate, event dates, or other information regarding the event or landlord.

I need help adding the following to the description of operations section.

To add verbiage to your description of operations section, please send us an email to [email protected]. Please allow up to 3 business days for us to complete this request. Be sure to include your policy number, the information that needs to go in that section and the additional insured that you would like this attached to. Pro tip: To help expedite the process, log in to your dashboard and add the additional insured.

How do I add verbiage/text in the description of operations?

Occasionally additional verbiage is requested by the certificate holder to be added to the description of operations section of the certificate of insurance (COI). When this is the case, please add the additional insured and send us an email with the requested verbiage to [email protected]. If you are unsure how to add an additional insured, please mark this response as helpful and then ask, "How do I add an additional insured?"

What verbiage/information should be placed in the description of operations?

The certificate holder will be the one requesting if there should be anything added to the description of operations. If they are requesting to have something added to the description of operations, please add them as an additional insured and send us an email with the needed wording to [email protected]

The event wants the description of operations to be written specifically how they want it. Is this possible?

Depending on the verbiage the event wants on the certificate, we may or may not be able to add it. Please send us an example of what they are requesting to [email protected] and one of our agents will take a look.

Was my additional insured/COI sent to my event, venue, or landlord?

Additional insured/COI documents are emailed to the email address on the additional insured form. We current require that an email address be used. We do not send physical copies of our documents as we are a paperless company.

Why does my personal/home address show on my COI instead of my business address?

The policy is not location specific so only your physical street address will show on your policy documents and COI's. If you want your business address to show instead, you may edit that from your online account.

How do I edit my certificates/additional Insured (s)?

To edit your certificates, please send us the following to [email protected]:

We will need your policy number. Your policy number will start with "AA" for the Annual policy or "AS" for the Show policy.
The name of the certificate that needs to be changed
An explanation of the changes that need to be made. Example: Incorrect name/address, Misspelled information

If there is a need to remove an additional insured from a renewing policy, it can be done by simply logging into the policy and clicking on the update button. I would like to acknowledge that this action must be taken within 30 days of the policy's renewal date.

Can additional insureds be removed?

Regarding additional insureds, I would like to point out that they can only be removed when the policy is renewed. Once an additional insured has been added, they become a part of the policy they were added to. However, in the case of a policy that is being automatically renewed, these additional insureds are automatically included in the new policy.

Can another business be added to my policy/account?

While your policy is not able to insure multiple businesses you operate, you can add someone else's business to your policy as an additional insured. To do this simply log in to your dashboard and click the "add additional insured" button and fill out the form with their information.

Can I remove the Tools and Equipment/Inland Marine (IM) coverage?

Tools and Equipment/Inland Marine (IM) coverage can only be removed during the policy renewal. This can be done within 30 days of the renewal by logging into your account and clicking the update renewal button. If your policy is renewed within 10 days and still has that coverage, please send us an email to [email protected] if you would like to have that part of your policy removed.

Do I have an Accord form 25 on my policy?

Accord form 25s are additional insureds. Once you have added an additional insured, it will create an Accord form 25. This document will be located in your dashboard in the "download documents" section.

I think you need to update the show/event dates for a show you have on file.

I am sorry to hear that we might have a show/event date incorrect in our system. Please send us an email to [email protected] to get this fixed.

Which Endorsements can be added after purchase for an Additional Insured/Certificate holder?

There are multiple endorsements that can be added to the additional insured endorsements at an additional cost. Here is a list of those endorsements, along with their additional costs:

The Primary Noncontributory endorsement (CG 20 01) costs an additional $20. The “primary and noncontributory” wording your insurance must pay first (primary) without seeking the additional insured's liability insurance to pay (noncontributory). In short; if there was a claim where both the insured and additional insured parties were involved, this policy would pay first. If the payout were to reach this policy's limits, the additional insured's policy would begin to pay.

The Waiver of Subrogation (CG 24 04) is an additional $20. A waiver of subrogation is a contractual provision whereby you waive the right of your insurance carrier to seek redress or seek compensation for losses from a negligent third party (additional insured).

Earlier notice of cancellation (30 days notice of cancellation) - Add this $50 endorsement which obligates insurers to provide advance written notice to the Certificate Holder/Additional Insured if an insurance policy is cancelled or not renewed.

A Loss Payee is an additional $25. A loss payee is a person or organization listed on an insurance policy's declarations page that is entitled to receive claim payments before the policy owner due to a financial interest in the insured property

Lender Loss Payable is an additional $50 endorsement that gives a creditor of the insured that has loaned money in connection with the insured's personal property the same rights and duties that a mortgage clause gives a mortgagee.

How do I add a primary noncontributory, loss payee, or waiver of subrogation endorsement?

Please log in to your account.
If you have not already done so, add the additional insured.
Click on the "My Policy" button.
Then, click on the "Add Endorsement" button.
Select the endorsement you desire.
Fill out the required form.
After submitting, one of our agents will review and approve the endorsement. We will then send you an email stating that you can purchase the endorsement. Please log in again and make the payment for the endorsement.

These endorsements may be added to your policy on the application or any time after purchase from your online account.

To obtain the Cyber liability endorsement, it is an additional $99. Cyber insurance is designed to protect the policy holder's company from:

Data Breaches
Malicious codes on your computer systems
Unauthorized access to your - *computer system
Ransomware
Extortion Threats
Fund Transfer Fraud

To obtain professional liability insurance, it will be an additional $100. Professional liability insurance, also called errors and omissions insurance (E&O) or indemnity insurance, protects the policyholder's business if sued for negligence in performing professional services, even if a mistake has not been made.

How can I add the cyber liability coverage or the professional liability insurance to my policy?

Login to dashboard.
Click the "Change policy options" button.
Select the amount of professional liability coverage needed.

What are some endorsements or other policies that cannot be added through this website but are an option through some of the partners of this brokerage?

Workers compensation (AKA Workers comp or simply WC)

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. 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.

Billing questions

When is my next payment due?

Whether you have an annual or monthly policy, payments are generally collected automatically. For monthly policies, your exact payment date is available in your dashboard, which you can access by logging into your dashboard and clicking the "My policies" button. Scroll down until you get to the payments section. If you pay annually, the payment date will be the day the policy expires. Changes to your payment structure can be found in your dashboard. Please ask any follow-up questions you have here.

Can current policy holders pay monthly?

Current policy holders can choose pay monthly when renewing their policy. Please note that the first and last payment plus any additional taxes, additional coverages, and fees will be part of the first month's payment. We are unable to switch to monthly payments mid-policy.

I recently purchased an ACT go (event) policy for an event. Can I switch it over to an ACT (annual) Pro policy?

We are able to convert an ACT Go (event) policy to an ACT Pro (annual) policy in a round about way and with a few conditions. We cannot help convert an ACT Go policy that has already gone into affect. To convert the ACT Go policy it must first be cancelled. You should be able to get a refund if your policy has not gone into effect. This is done by emailing us at [email protected]. Once cancelled, login to your account and click the "add a policy" button. Choose the ACT Pro policy and make the purchase.

Am I being charged for 1?

I need more information to answer this question. Please let me know what you are referring to.

You took money from my account.

We charge accounts when someone purchases a policy from us, when people are on monthly payment plans for their insurance policy, and when the policy renews. Please note that the policy is automatically set on EZ renew due to popular demand. If you did not intend for this policy to renew, please submit an email request to:[email protected]

ACT charged me for a higher price than I was quoted.

If this was for a monthly policy (ACT Pro), the price of the first month includes the first and last month, plus any taxes and fees. Additionally, any coverage that is added could increase the price. From there on for the duration of the policy, the monthly cost will be what is quoted. We apologize for any confusion this may have caused. If this was on any other option, please give us a call or ask for an agent.

When will the policy charge my account?

If you are purchasing a new policy, we will charge your account as soon as you purchase the policy. If you want to see when the renewing policy will charge your account, it will be on the expiration date if set on EZ renew or it will be at the time you manually renew it if you are going that route.

Is the inland marine coverage paid for monthly?

If the inland marine coverage is added to the policy during the initial purchase, it will be included in the monthly price. If it is added after purchase, it will be paid for upfront.

Is my credit card up to date?

To see which card we have on file, please log in to your account and click on the "payment profiles" button at the bottom of the main page in your dashboard. The card can be updated there if needed.

Renewal questions

Is my policy going to renew?

When you purchase an Annual policy, you are automatically enrolled in the auto-renew option or EZ-Renew. If you want to turn off the auto-renewal option, that can be done any time after purchase by:

Login into your Dashboard
Click the :My Policies" button
Cancel EZ-Renew.

How do I make changes to my renewing policy?

Your policy can be renewed 30 days before its expiration date. During the 30-day period, an "Update Renewing policy" button will appear at the top of your Dashboard. Click on the button to edit your renewing policy.

Can I renew my policy early?

Yes, you may renew your Annual policy early. Here's how to do that:
1. Turn off the EZ Renew under "My Policies."
2. Go back to your Dashboard and click on "Renew policy" or "Add Policy".
The process to early renew is the same as manually renewing the policy. Proceed through the application and submit your payment.
3. Your renewed policy documents will be emailed to you and also available from your Dashboard.

For specific questions about your current or renewing policy, please contact us at [email protected] or give us a call at 844-520-6991

Policy will be valid until (insert date here).

When your policy is coming to an end, there are some considerations to keep in mind. The dashboard manages the EZ or automatic renewal. Your policy can be renewed early by canceling your EZ renew and then renewing it from there. If you have any questions about this process, please feel free to ask them here.

How do I know if my policy has expired?

The best way to know if your policy has expired is to see your policy documents. This information will be on all of your policy documents except for the one labeled Liability Policy. To find one of your policy documents, please log in to your dashboard and select one of your policy documents from the section labeled Download Documents.

What is ACT's policy on event cancellations due to weather?

The policy can be either cancelled or the policy dates may be moved if the policy has not begun. We will need this request either by email or through chat.

What will be the renewal amount of my renewing policy?

The renewal amount of your policy will be emailed to you before the policy begins. Also, this information will be shown in the "my policies" section of your dashboard.

How do I renew my expired or cancelled policy?

If your policy has expired or was cancelled, the steps to renew/reinstate will be similar to purchasing a new policy. Here is how to renew/reinstate your expired or cancelled policy:

Log in to your online account
Click on the "Add a policy" button.
Fill out the application.
The application will fill in your personal information.
Additional Insureds would need to be re-added if needed.

If your policy was cancelled and the cancellation was initiated by a member of our team, please reach out to us via phone to see about eligibility.

How to reactivate account.

If your policy has expired or was cancelled, the steps to renew/reinstate will be similar to purchasing a new policy. Here is how to renew/reinstate your expired or cancelled policy:

Log in to your online account
Click on the "Add a policy" button.
Fill out the application.
The application will fill in your personal information.
Additional Insureds would need to be re-added if needed.
*If your policy was cancelled and the cancellation was initiated by a member of our team, please reach out to us via phone to see about eligibility.

Will my additional insureds be listed on my renewing policy?

Yes, your additional insureds will be listed on your renewing policy and will be emailed to the emails we have on file. They can be removed 30 days prior to the policy's renewal date.

Issues renewing

If you are having issues renewing your policy it could due to one of the following reasons:

Automatic payment failed and you need to update payment information.
Information provided for the renewal is incomplete or incorrect.
Issue with an application such as date on the application is incorrect.
Temporary system issues on our end, in which case please wait and try again.

You may contact [email protected] or give us a call at 844-520-6991.

Claims

General claims questions

We understand that filing a claim could be uncomfortable. To file a claim, please log in to your account and click the "file a claim" button. A claims adjuster will reach out to you within a few business days. Claims do not affect your future price but can have an affect on future eligibility.

How can I make/file a claim?

Claims can be made/filed online in the dashboard by following these simple steps:

1. Login to your dashboard (AKA your online account)
2. Click the “File a Claim” button
3. Fill out the claim form
4. Submit the claim form once finished
5. Receive and respond to the email sent from the claims adjuster.

If you have any questions about the instructions above, please let us know. If you have already submitted a claim and want to follow up, please send an email to [email protected].

How to know what the policy is designed for and what it is not designed for.

Your business insurance policy is specifically designed to meet your business's liability needs. This means that if, during your business operations, your business is held responsible for causing damage or injury to a third party, and the policy does not exclude such activities, you will have coverage for such an incident. Your policy is designed to fulfill the liability needs of your business. This means that if, during your business operations, your business is responsible for the damage or injury of a third party, allowing the policy not to exclude such activity, you would have coverage for such an incident.

Claims questions on the application.

The following are exclusions in the policy and will make the applicant ineligible to get the policy if applicable:

Any insured that has been cancelled or non-renewed in the past 3 years.
Any insured that has had any claims exceeding $5,000.

Why did I receive an email about policy compliance/suspension?

With this online policy, our compliance team reviews each new policy to ensure the correct type of business operation is insured. If our compliance has questions regarding your operations or decides that you are not a good fit, they will email you asking for more information to clarify or to choose how you want to cancel your policy, if you do not qualify.

I broke some of my equipment. Am I covered?

If you have broken some of your equipment and want to see if it is covered, please file a claim. A claims adjuster is the only person who is able to determine coverage. They will need to take a look at your policy and learn more about the incident to determine if it is covered. This is standard with all claims.

Does ACT cover my business if someone falls?

While the ACT policy is designed to insure your business for the injuries and property damage of others due to your business operations, all coverage is to be revised and determined by a licensed claims adjuster. This is a standard practice within the industry.

My claim was denied, what to do from here?

If a claim was denied, it was due to the claims adjuster finding that the situation does not fit the description of the policy. If you have questions about the reasoning behind this decision, please reach out to the claims adjuster.

Does this policy have a tail?

This policy does not have one but it also does not need one. The ACT insurance policy provides coverage under an occurrence form. This means you are protected for alleged acts of negligence that occurred while the policy was in effect, regardless of whether the coverage is active at the time a claim is made. This ensures continued coverage for incidents that happened during the policy term, even if you cancel the policy later. For more detailed information, you can visit the ACT Insurance policies page.

Cancellations

Can I stop or pause my policy?

We do not have the option to pause your ACT Pro/Annual policy; While we cannot pause the policy, it can be cancelled by you at any time.

Can I cancel my policy at any time?

Your ACT Pro or ACT GO policy can be cancelled anytime by following 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.

How to cancel a renewing policy

If your policy expires soon, we offer the option to cancel your automatic renewal (Your policy may be enrolled in the EZ renew/automatic renewal). This can be turned off any time before your policy renewal date. To cancel EZ Renew please follow these simple steps:

Login to your dashboard (your online account)
Note: The "Login" or "My account" button is located in the upper right-hand corner of our website
Click the “My Policies” button in the “Manage Policies” section
Scroll down to the bottom to the EZ Renew section
Click the “Cancel EZ Renew” button
*If this does not work, please send us an email to [email protected] with your request to cancel your EZ Renew.

How to cancel a policy that just renewed

Policy just renewed and I want to cancel -

If the policy just renewed within 10 days of today, please do the following:

To cancel the 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.

How do I cancel my policy?

We are sorry to see you go and hope that you return soon. You can conveniently request a cancellation through your dashboard:

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.

Can you give me an update on my refund?

Cancellations generally take about 7-10 business days to complete. If you are still within that timeframe, we will be working on that for you and will update you via email once completed. If you are outside of that time frame, please give us a call and we will be happy to assist you.

I was supposed to get a refund but I have not got it yet.

I am sorry to hear you have not received your refund yet. Cancellations can take up to 10 business days. If it has been beyond that time, please reach out to our team via email: [email protected]

Cancellation Policy

The policy can be cancelled at any time. Please keep in mind that this policy is 100% earned and non-refundable. Cancellation requests are reviewed and processed by our Cancellation team.

Can I upgrade my current ACT Go policy to an ACT Pro policy?

At this time we are unable to upgrade the ACT Go policy to an ACT Pro policy in a direct manner. However, If the ACT Go policy has not gone into affect, it can be cancelled by sending us an email to [email protected]. Once cancelled, a new policy can be created. All of this is done in your dashboard.

Can my account be deleted?

We are required to keep your information on file for a few years for legal record purposes. Your records are attached to your account. While we are unable to delete your account, we can cancel your policy. If you desire us to cancel your policy, please send us an email to: [email protected]

Can I cancel or get a credit if the event was cancelled?

The policy can be cancelled and a refunded issues if the event has been cancelled prior to the start date by submitting the request by email to [email protected] with your name and policy number. We would not be able to issue credits for cancelled events. F