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COVERAGE

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.

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, please reply back to this email with your request (if you have not already done so already). Please allow 3 business days for us to process your request.

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. 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, 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.

Does ACT insure 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 reply to this email to get more details or a sample policy (if you have not done so already).

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 reply to this email if you would like a sample policy emailed to you. 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, 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. 

WHO IS AN INSURED

What type of organizations can ACT insure?

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.

Your "volunteer workers"

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:

Who are not insureds:

Are contractors insured under my policy?

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.  

New customers

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.

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 account.

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 replying to this email or emailing us at [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. One of our agents will be following up within 3 business days to go over any questions you have.

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.

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 request to cancel the payments, please follow the streps below:

To cancel your policy and scheduled monthly 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.

Current customers

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:

  1. Click on the Login button located in the top right corner of the ACT webpage.
  2. 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

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:

  1. Click on the Login button located in the top right corner of the ACT webpage.
  2. 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:

  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 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 (about 3 business days). Please reply here with the method you choose to get your policy documents.

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 reply to this email with your request (if you have not done so already). Please include your new business type, business name and policy number. Please allow 3 business days for a response. 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 there is still a discrepancy, please reply to this email.

If you purchased an ACT GO policy and the start and end dates are the same, please reply to this email.

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:

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.

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 reply to this email with your request.

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), please reply to this email with the following information (if you have not done so already) with:

  1. Your name
  2. Policy number
  3. New business information
  4. An agent will update it for you.

Please allow 3 business days for us to respond. 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. 

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

  1. Log in to your online account.
  2. Once you are logged in, scroll down to the "My Profile" section on your Dashboard.
  3. Look for the "Edit Personal Info" button and click on it.
  4. Here, you can make changes to your first and last name, as well as your address.
  5. After making the necessary edits, click the "Save" button to submit your changes.
  6. The new information will automatically update on your account and policy documents.
  7. 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?

If you have not already sent in your request, please reply to this email. One of our agents will respond within 3 business days. 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?

If you have not already sent in your request, please reply to this email. One of our agents will respond within 3 business days. 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

If you have not already given us the correct date, please reply to this email with the correct date and your policy number. Please allow 3 business days for a response.

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?

  1. Login to your dashboard (ie your online account)
  2. Click Add Additional Insured
  3. Select the Additional Insured type: Landlord/Employer, Retailer/Distributor/Vendor, Event/Show, Owners, Lessees, Contractors.
  4. Fill in the Additional Insured name and address with the information of the person requesting the additional  insured document
  5. When the email box has been filled (optional), the additional insured document will be sent to that email immediately upon submission.
  6. If the description of operations needs something in it, and you have not yet given that information, please reply to this email with the verbiage they want in there. Please allow 3 business days for us to process this request.
    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 reply to this email to get this fixed. 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 reply to this email with your request (if you have not yet done so already). Please allow us 3 business days for us to make the adjustment.

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 reply to this email (if you have not done so already). Please allow 3 business days for us to process your request. Also 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. If you have not done so already, please reply to this email with your request and give us the date you need it by. You should hear back from us within 3 business days. Also, feel free to chat with us or give us a call.

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

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:

  1. Login to your dashboard (ie your online account)
  2. Click Add Additional Insured
  3. Select the Additional Insured type: Landlord/Employer, Retailer/Distributor/Vendor, Event/Show, Owners, Lessees, Contractors.
  4. Fill in the Additional Insured name and address with the information of the person requesting the additional  insured document
  5. When the email box has been filled (optional), the additional insured document will be sent to that email immediately upon submission.
  6. If the description of operations needs something in it, and if you have not already done so, please send us an example document of what they want on there by replying to this email. Please allow 3 business days for us to process your request.
    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:

  1. Login to your dashboard (ie your online account)
  2. Click Add Additional Insured
  3. Select the Additional Insured type: Landlord/Employer, Retailer/Distributor/Vendor, Event/Show, Owners, Lessees, Contractors.
  4. Fill in the Additional Insured name and address with the information of the person requesting the additional  insured document
  5. When the email box has been filled (optional), the additional insured document will be sent to that email immediately upon submission.
  6. If the description of operations needs something in it, and if you have not already done so, please send us an example document of what they want on there by replying to this email. Please allow 3 business days for us to process your request.
    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 reply to this email with that information (if you have not provided it already). 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 reply to this email with that information (if you have not done so already).

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 reply to this email with that information (if you have not provided it already)

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 reply to this email with that information (if you have not provided it already).

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 provide the following by replying to this email (if you have not already provided it already):

  • 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

Please allow  business days for us to process your request. 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. This action must be taken within 30 days of the policy's renewal date.

Can additional insureds be removed?

Additional Insureds 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 reply to this email if you would like to have that part of your policy removed (if you have not done so already).

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 reply to this email to get this fixed (if you have not done so already). Please allow 3 business days for us to process your request.

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?

  1. Please log in to your account.
  2. If you have not already done so, add the additional insured.
  3. Click on the "My Policy" button.
  4. Then, click on the "Add Endorsement" button.
  5. Select the endorsement you desire.
  6. Fill out the required form.
  7. 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?

  1. Login to dashboard.
  2. Click the "Change policy options" button.
  3. 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.

Other documents

Loss run report (LLR)

A Loss Run Report (LLR) is a report that shows a policy holder's claim history. Please allow up to 5 business days to receive this report.

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:

  1. Login into your Dashboard
  2. Click the :My Policies" button
  3. 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.

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:

  1. Log in to your online account
  2. Click on the "Add a policy" button.
  3. Fill out the application.
  4. The application will fill in your personal information. 
  5. 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:

  1. Log in to your online account
  2. Click on the "Add a policy" button.
  3. Fill out the application.
  4. The application will fill in your personal information. 
  5. 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:

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

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:

  1. 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
  2. Click the “My Policies” button in the “Manage Policies” section
  3. Scroll down to the bottom to the EZ Renew section
  4. Click the “Cancel EZ Renew” button
    *If this does not work, please reply to this email 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 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 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

ACT Information about event hosts, organizers, planners, etc.

New partner information

Can an event host, organizer, planner, etc., get a policy?

Currently, we do not offer a policy for hosts, organizers, planners, etc. We recommend going through our partner www.theeventhelper.com for a policy for hosts, organizers, planners, etc. To get started, please go to https://www.actinsurance.com/partnership#partnership.

Do you offer coupon codes?

"Thank you for inquiring about a discount coupon code. We issue custom codes to select partners and recommend that you ask your event organizer for the current code. If they have partnered with us, they should have an enrollment link and a code listed. If your event organizer isn't yet a partner, please have them contact one of the two Partner Development Associates, who can quickly set them up as one. It doesn't cost your event organizer to partner with us. 
Grant Byman - (801) 921-6275, [email protected]

As the organizer/host of an event, venue, or property, can I register/partner with ACT Insurance to have the event I am organizing added to my vendors' policies?

While we do not have policies for event hosts, organizers, planners, etc., we do offer accounts and support for those who are running the event(s).  To get started, please go to https://www.actinsurance.com/partnership#partnership. If you want to register your event with our partnership team feel free to reach out to our partnership team:

  • Jefferson Motto - (801) 216-8264
  • Tyler Leptich - (385) 323-3736

If you are a vendor and not an Event Organizer and have general questions about the ACT policy please chat or call 844-520-6991.

Current Partners

How do I find someone in my account?

To find someone in your account, please log in to your dashboard and click on Manage Events. From there, you can see how many people have applied. Your applicants will be visible by clicking the View button. If you do not see one of your applicants, this might indicate they do not have a policy with us, they have not added your event as an additional insured, or they manually added your event as an additional insured. We recommend contacting them directly if you are not seeing them in there.

I have a partnership with ACT, how do I add an event to my account so my vendors can more easily add my event to their policies?

  1. Login to dashboard
  2. Click: Add New Event
  3. Fill out form with your event information 
    *If you do not have a partnership with ACT but are a vendor, please add an event from your online account by clicking on the "Add Additional Insured" button.

When people add your event to their policy, you will receive their certificate via email and it will be available in your dashboard.

Where do I add a new event?

  1. Login to dashboard
  2. Click: Add New Event
  3. Fill out form with your event information 
    *If you do not have a partnership with ACT but are a vendor, please add an event from your online account by clicking on the "Add Additional Insured" button.

Why should my vendors add me to their policies?

The purpose of adding additional insureds is to add landlords, venues, events, shows, and others who could be liable for the operations of your vendors while at your event or location.

As a partnership/registered event with ACT, how do my vendors add my event or location to their policy?

To add an additional insured (ie COI) please follow these simple steps after the policy has been purchased:

  1. Login to your dashboard (ie your online account)
  2. Click Add Additional Insured OR Add Landlord, Employer or Event
  3. Fill in the boxes with the information of the person requesting the additional insured document
  4. When the email box has been filled (optional), the additional insured document will be sent to that email immediately upon submission.
  5. If the description of operations needs something in it, that can be emailed to us

*If your vendors have any questions, please have them reach out to us at 844.520.6991 or via this chat feature.

Customer referrals

Can I refer a friend?

While we have a referral program, it is not designed to refer friends due to insurance laws. Our program is designed to allow shows, events, venues, and landlords to refer those attending. 

FAQs

Random questions/statements

Is the chatbot lying to me?

I am giving you the information I have available to me. If there are any doubts, please reach out to us via phone at (844) 520-6991.

Is this a bot?

While I am a bot, the answers I am able to provide are almost 100% flawless. An agent will follow up with this email within 3 business days. Go ahead and try me. Chances are you will not be disappointed.

Is this a person?

While I am a bot, the answers I am able to provide are almost 100% flawless. An agent will follow up with this email within 3 business days. Go ahead and try me. Chances are you will not be disappointed.

I need a callback.

While I do not have the tools to call you back, please contact us at (844) 520-6991. If you have been waiting on the phone for a while, please ask your questions here, and I will be happy to help. If you need us to change some information on your policy, please note that some of your policy information can be changed through the website, most changes require an email request.  [email protected]

The ACT phone number is not working.

If right now is during our business hours (M-F, 6 AM-6 PM, MST) and the phone is not working, please go to our chat system for immediate help.

A particular agent was helping me.

Because we are a team, any agent should be able to help you with your needs. If I am unable to help with your question, I will be happy to our next available agent.

When the customers use the term "I Got it"

Is there anything else I can help with at this time?

I speak English

Hey there, we can speak many languages through our translating software. English is our primary language around here. How can we help?

Spanish please

En que le pueda ayudar?

I need a different

I am happy to help, but I need more information about what needs to be different.

One moment

I will wait until the cows come home if needed.

Hang on

I will wait until the cows come home if needed.

I have another question.

What is your question?

I just told you.

Sorry, I must have misunderstood, could I get clarification on the issue?

Did you receive my last email?

Our agents answer the emails in the order they were received. Emails can take up to 3 business days to answer. If the matter is urgent, please chat with us or give us a call and we will be happy to get that expedited.

No further questions.

If you think of something later, feel free to contact us. We are also happy to answer your phone calls and emails. Feel free to close this chat window at any time.

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.

How to exit the chat from my phone.

The chat can be left from your phone by scrolling to the top of the chat window and hitting the "X" in the top-right of the screen.

I am unhappy

We are sorry to hear about that. What can we do to brighten your day?

I just got disconnected.

We are sorry to hear about getting disconnected. What can I help with today?

Hi, how are you.

I am fine. How can I help today?

Good morning

Good morning! I hope things are going well for you. How can I help? 

Do you cover tarot reading?

While ACT is not able to insure tarot reading, there is an entertainers policy available with Insurance Canopy https://www.insurancecanopy.com/entertainment-insurance.

Do you cover live painting/illustrators?

While ACT is not able to insure live painting/illustrators, there is an entertainers policy available with Insurance Canopy https://www.insurancecanopy.com/entertainment-insurance.

Do you insure blacksmith demonstrations?

Unfortunately, ACT is unable to provide coverage for blacksmith demonstrations. We recommend reaching out to a local insurance agent for guidance on the coverage options that may be available.

Do you insure fundraising auctioneers?

Unfortunately, ACT is unable to provide coverage for auctioneers. We recommend reaching out to a local insurance agent for guidance on the coverage options that may be available.

Do you insure knife/blade sharpening?

Unfortunately, ACT is unable to provide coverage for knife/blade sharpening. We recommend reaching out to a local insurance agent for guidance on the coverage options that may be available.

Do I need two policies both ACT Pro as well as ACT Go to insure in person events as well as selling online?

No, ACT Pro can insure selling hand made crafts bot in person as well as online. If 20% or more of the items being sold are not hand made, the ACT Go policy would be the best choice for in person events or for an annual policy there is a product liability policy available here https://www.insurancecanopy.com/product-liability-insurance for retail or non-hand made items. 

Do you insure murals or installing artwork/statues?

Unfortunately, ACT is unable to provide coverage for murals or installation art/statues. We recommend reaching out to a local insurance agent for guidance on the coverage options that may be available.

Can I attend events in other states if my address or business is in Missouri?

No, we are not able to offer policies to those whose address or business is based within Missouri. We would suggest contacting a local agent for help in getting a policy. 

Will this cover mobile laser tag?

No, we are not able to offer provide coverage for mobile laser tag. We would suggest contacting a local agent for help in getting a policy. 

Which insurance policy can I use for a one day art show I am hosting?

Neither the ACT Go or the ACT Pro policy would be suitable. 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.

Can the policy holders name be changed if the named policy holder has passed away/died?

The POA can email cancellations at [email protected] with a death certificate to cancel the policy and then a new policy would need to be purchased by creating an account under a different email address. The policy is non-transferrable.