Frequently Asked Questions

Purchasing insurance through ACT Insurance helps you save money on premiums because you are part of a group acquiring insurance directly from a carrier. This allows businesses and individuals of similar industries to basically buy insurance in bulk from an insurer, resulting in lower individual premiums. You don’t share coverage limits, just savings.

We don’t believe in waiting, so your insurance policy becomes effective immediately after your online payment is verified. The verification process takes only seconds, and voila! You have coverage starting on the day you selected. If you opted for same-day coverage, your protection starts right away.

You can print your insurance certificate immediately after purchasing and additional insureds can be immediately added at no extra cost.

Some programs make it difficult to know whether or not you qualify. Here at ACT, we make it easy.

ACT GO POLICY QUALIFICATIONS:
If you are an artist, craftsman, or tradesman, then you qualify for our short-term liability coverage. There are some restrictions on types of events or businesses:

Accepted:

Because you are part of a group insurance program, your business will benefit from the purchasing power of the ACT Insurance Program. It is highly unlikely that your insurance costs will change. If they do, we will be sure to let you know.

What is an additional insured? 
An additional insured is a person or organization that is added to your insurance policy by endorsement.

When you add someone to your policy as an additional insured, you are extending your policy coverages to protect the additional insured from a lawsuit that was caused by your negligence.

In other words, if someone slipped in your booth and broke their arm, the injured person could sue you and the venue. Since the venue is added as an additional insured, your insurance policy would protect both you and the venue in the lawsuit.

Can I add an additional insured after I purchase my policy?
Yes, just log into your account on the website, and within minutes you can add the additional insured and download copies of your certificates.

Is there a cost to add an additional insured?
No, there is no cost to add additional insured. You can add as many additional insureds as needed and send them certificates accordingly. All you have to do is log into your account, and under the policy screen click add additional insured.

A deductible is the amount of the loss that is your responsibility. For example, if you have a theft claim of $750, you will be responsible for $250 of the claim. The insurance company will pay you $500. Remember that with ACT, there is no deductible on liability claims.

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If you purchase an ACT Pro, you qualify to purchase additional excess limits. Additional excess limits allow you to increase the total of your general liability limits on your insurance policy. For only $500, you can purchase an increase of an additional $1,000,000 in coverage. After purchase, your per occurrence and aggregate limits each increase by $1,000,000.