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Adding a party/parties to your artist or vendor insurance policy.
An additional insured (AI) is a third-party entity you add to your insurance policy. It’s typically an event promoter, venue, or business.
By adding an AI to your policy, you are extending your coverage to them in the case of a claim.
You’ll likely add someone as an additional insured because you are agreeing to work with them in some capacity — whether that is attending their event as a vendor, working on their property, or selling products in their space.
The additional insured wants to take on less financial risk while working with you and doesn’t want to foot the bill for incidents your business may accidentally cause. This could be bodily injury, property damage, legal fees, and more.
Adding them as an AI means they will be listed on your policy and receive your same coverage benefits in the case of a claim.
Think of it like an umbrella…
Your insurance policy can only cover additional insureds for an accident you or your business caused that may affect them:
If you are a vendor and someone is hurt in your booth, they could sue you and the event, the venue, and the city where the accident took place.
If you are a handmade artisan selling your products through an online retailer or store, and your product causes an accident, someone could sue both you and the business that sold your product.
Listing an additional insured on your policy will not change your coverage, limits, or the percentage of coverage allotted to you—it simply says the AI(s) will also have these same protections you do if you’re sued and they’re named in the claim. Any AI you list will appear on your Certificate of Insurance.
You’ll likely add someone as an additional insured because you are agreeing to work with them in some capacity — whether that is attending their event as a vendor, working on their property, or selling products in their space.
The additional insured wants to take on less financial risk while working with you and doesn’t want to foot the bill for incidents your business may accidentally cause. This could be bodily injury, property damage, legal fees, and more.
Adding them as an AI means they will be listed on your policy and receive your same coverage benefits in the case of a claim.
Think of it like an umbrella…
Your insurance policy can only cover additional insureds for an accident you or your business caused that may affect them:
If you are a vendor and someone is hurt in your booth, they could sue you and the event, the venue, and the city where the accident took place.
If you are a handmade artisan selling your products through an online retailer or store, and your product causes an accident, someone could sue both you and the business that sold your product.
Listing an additional insured on your policy will not change your coverage, limits, or the percentage of coverage allotted to you — it simply says the AI(s) will also have these same protections you do if you’re sued and they’re named in the claim. Any AI you list will appear on your Certificate of Insurance.
You might wonder why some events or retailers ask to be an additional insured while others don’t. This seems like a pretty important thing, so why are you not always being required to show proof of insurance and add AIs?
This typically boils down to requirements set by another business’s insurance policy. If you think about all the insurance required for a single event, each policy layers on top of one another with each party accepting a certain limit of risks.
A venue has a property insurance policy to cover them for things like a burst pipe causing someone to slip and fall or a tree falling onto the roof. However, it states it will not cover injuries or damages specifically caused by or related to an event hosted on the property.
A local club wants to host an event at this venue, so they need to get insurance to cover themselves for mishaps that may occur while planning and hosting their event. They will also name the venue as an additional insured. However, their policy states it will not cover injuries or damages caused by outside vendors brought in to work at the event.
This brings it to you — since the venue and the club hosting the event have insurance, but their policies will not cover vendors, you will need to get insurance to cover injuries and damages caused by you, your business, or your booth before, during, or after the event. You will also have to list the venue and the club as AIs on your policy.
While some insurance companies make you pay a fee for every additional insured, or have lengthy processes to add them, ACT keeps things easy.
You can add additional insureds to your policy during the checkout process, or online from your user dashboard 24/7 at no cost to you. Plus, a copy of your Certificate of Insurance is automatically sent to the email addresses listed for each additional insured.
An additional insured will most likely tell you they need to be added as an AI and provide you with the appropriate information. If you are unsure about who should be listed as an AI, we recommend contacting the person you are working with to clarify.
City ✅
Event ✅
Promoter ✅
Business ✅
Landlord ✅
Venue ✅
Association ✅
Retailer ✅
❌ You
❌ Friends
❌ Employees
❌ Family members
❌ Other vendors
❌ Contractors
❌ Another business
you own or operate
✅ City
✅ Event
✅ Promoter
✅ Business
✅ Landlord
✅ Venue
✅ Association
✅ Retailer
❌ You
❌ Friends
❌ Employees
❌ Family members
❌ Other vendors
❌ Contractors
❌ Another business
you own or operate
When knowing who you are allowed to name as an AI on your policy, a good rule of thumb is to identify if they are someone you are working with vs someone working for you.
It’s FREE to add an additional insured to an ACT policy — just another reason to get your insurance here! We don’t limit you either — you can list an unlimited number of AIs and manage them online anytime.
Your Certificate of Insurance will automatically update with the new information. You can also access your certificate online anytime and download as many copies as you need.