ACT Insurance has launched two new annual insurance policies designed specifically for creators whose businesses have historically fallen outside standard coverage options. The new offerings support curated sellers and handmade beauty businesses that need year-round protection tied to their daily operations, addressing long-standing gaps in the insurance market.
Businesses selling products made by others or items that are less than 80 percent handmade can now purchase coverage through the Curated Sellers policy. This includes creators like vintage resellers, boutique owners and collectible sellers, who often face liability tied to product use or injury even when they did not manufacture the items themselves. Pricing for this policy starts at $31.58 per month, providing accessible coverage for businesses that have traditionally struggled to find appropriate insurance.
Small-batch makers of soaps, candles and cosmetic products can access coverage through the Handmade Beauty policy, since even carefully-produced items can trigger reactions or claims tied to customer use, creating significant risk for independent makers. Annual coverage for this policy is available for $515 per year, offering protection for creators who operate year-round rather than just during specific events or seasons.
"These businesses kept telling us the same thing: existing coverage options did not match what they sell or how often they sell it," said Daryle Stafford, founder and CEO of Veracity Insurance, the parent company of ACT Insurance. The company built these policies to reflect real creative businesses instead of forcing sellers into short-term or incomplete coverage that fails to address their specific needs.
These new offerings expand ACT's annual coverage lineup to support sellers who operate year-round, including those whose products fall outside traditional handmade definitions or event-based policies. The policies represent a significant shift in how insurance companies approach coverage for creative businesses, moving away from one-size-fits-all solutions toward specialized protection.
"Creators should not have to adjust their business model to fit an insurance product," said JoAnne Hammer, Certified Insurance Counselor and Program Manager at ACT Insurance. "These policies give sellers a clearer path to coverage that matches their work and supports steady growth." This approach acknowledges that creative businesses have unique operational structures that require tailored insurance solutions.
ACT Insurance is part of the Insurance Canopy family of specialty insurance programs, which provide coverage for small businesses, creatives and event-based sellers. The brands focus on straightforward policies built around how independent businesses operate, with clear pricing and fast access to coverage through their online platforms.
Both policies are available now through ACT Insurance's online checkout process at actinsurance.com, providing immediate access to coverage for businesses that have previously operated without adequate protection. The availability of these specialized policies could significantly impact the creative economy by reducing barriers to proper insurance coverage for thousands of small businesses and independent creators.
