CRAFT YOUR OWN INSURANCE: HOW CUSTOM CRAFT FAIR INSURANCE WORKS
As an artist, crafter, vendor, or concessionaire you’re regularly selling your work at various events, festivals, and fairs. Since your booth is typically located at fairgrounds or on the street, this alone can pose risks for your customers.
Craft fair insurance is a necessary investment that can provide your business with financial backing if for some reason you were sued by a patron who injures themselves at your booth.
HOW CRAFT FAIR INSURANCE WORKS
Craft fair insurance is a combination of different types of liability insurance designed to cover common claims you face as a craft vendor at events.
Both ACT policies include general liability and coverage for damage to premises rented. These types of insurance can cover bodily injury or property damage claims you become legally obligated to pay due to your business services.
Related: 5 Tips to Prepare for the Festival and Fair Season
THE ACT GO POLICY
ACT Go is our short-term craft insurance policy that can provide coverage from 1-3 days and up to 90 consecutive days, for as low as $49.
The primary insurance types included in the ACT Go policy are:
- General Liability: Covers injuries or damages caused by your business at an event
- Damages to Property Rented to You: Covers accidental damage to rented booths or stalls at an event.
- Medical Expense Limit: A no-fault coverage that allows you to help pay for an injured party’s medical expenses.
It also offers:
- Instant Certificate of Insurance
- Nationwide coverage*
- Accepted by most events
- Free unlimited additional insureds
- No deductible for liability claims
This is a great option if you only need short-term insurance for a few shows you attend throughout the year. If you are a career craft fair vendor, a more affordable and robust option is our annual ACT Pro policy.
THE ACT PRO POLICY
The annual ACT Pro policy provides broader, more comprehensive coverage for your business if you regularly attend craft fairs and other events throughout the year and sell your products online. It starts at just $24.25/month.
The ACT Pro policy includes everything in the ACT Go policy, plus:
- Product Liability Insurance: This covers injuries or damages caused by the products you make and sell.
- Optional Tools, Supplies, & Inventory Coverage ($4.50/month): Also known as Inland Marine Insurance, this is a protection against theft and damages to your business personal property.
- Optional Professional Liability Insurance (+10.42/month): Coverage for professional advice you give while providing a demonstration or teaching classes.
- Optional Cyber Liability Insurance ($8.25/month): If you make online sales, take virtual payments, or digitally store private info, this coverage can help you and your customers recover from a cyber attack on your business.
It also offers:
- Coverage for online sales
- Year-round insurance protection
- Unlimited event coverage
- Add optional endorsements
- Increase your liability limits
WHY DO YOU NEED CRAFT FAIR INSURANCE?
As a craft fair vendor, insurance may be required by the craft fair event director. Not only is it a requirement but it also provides peace of mind so you can operate your business safely and confidently.
Related: Infographic—Our Most Common Insurance Claims
HOW TO GET COVERED
Getting coverage from ACT is a simple as completing our online application. Most customers claim that it takes 10 minutes from quote to coverage.
Craft fair insurance is customizable and tailored to your specific needs. We’re not going to make you pay for an annual policy if a show policy is the best option for your business or vice versa. We care about your business and want you to choose the policy that’s right for you.
Purchase your craft fair insurance from us today!
Related: Compare policies
