1 1 Start
2 2 Details
3 3 Eligibility
4 4 Options
5 5 Quote

Art Vendor Annual

Sorry, we don't have availability to purchase it online, but we are working on it! In the meantime, please submit quote for underwriting and we’ll reach out with any remaining questions!


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This policy will go into force on the start date and stay in force for 12 months.

Payments for this policy will stay in effect until cancelled.





Limits of insurance

General Aggregate Limit (Other than Products-Completed Operations) $2,000,000  
Products-Completed Operations Aggregate Limit $2,000,000  
Personal and Advertising Injury Limit $1,000,000  
General Each Occurrence Limit $1,000,000  
Damage to Premises Rented to You Limit $300,000 Any One Premises
Liability Deductible None  
     
Professional Coverage Extension $100,000
(If Purchased)		 Each Claim
  $200,000
(If Purchased)		 Aggregate
Professional Coverage Deductible $1,000 Each Claim
Business Personal Property/Inland Marine Limit Based on Selection Maximum payout for any one article
  Based on Selection Annual Aggregate Property described in the policy that you own, or is in your care, custody or control
Jewelry, Watches, Fur, or Fine Arts - Loss by Theft $5,000  Annual Aggregate
Business Personal Property/Inland Marine Deductible $250 Per Occurrence
     

 


Tell us about you.



Physical Address

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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
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Please click here to be directed to an application that is specifically for those whose business is in .

This state is not available for this program.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Mailing address

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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
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This field is required
This field is required
Please click here to be directed to an application that is specifically for those whose business is in .

This state is not available for this program.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Invalid ZIP code

Business information

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Business name - Only letters (A-Z), numbers (0-9), & (ampersand), and - (hyphen) are allowed.
Please provide your full name under mailing address.
A business you own and operate, not a business that employs you.
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Let's find out if you are eligible.



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Claims History

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Terms and Conditions

The following coverages are EXCLUDED in this policy:

  • All Ingestible Food or Drink Products
  • Any Product Requiring a Prescription
  • Architecture or Design Professionals
  • Art Galleries
  • Artisan Contractors
  • Beauty or Health Services that are provided by an insured for a fee
  • Blacksmith Demonstrations
  • Candles Including Liquid Fuel Gel or Wax Melts
  • Chainsaw Carving Demonstrations
  • Children's Furniture
  • Children's Toys
  • Commercial Painters
  • Construction Operations
  • Directing, hosting, organizing, planning, promoting, or sponsoring of a fair, festival, show, or similar event
  • Drugs
  • Disc Jockeys (DJs)
  • E-Cigarettes and Smokeless Products
  • Medical Equipment/Devices
  • Medical Invasive Products Intended to Stay in the Body
  • Murals
  • Musicians
  • Nutraceuticals
  • Performing Artists
  • Portrait Photography
  • Pharmaceuticals
  • Products Designed for Infants, Toddlers, or Children
  • Retail Storefronts – Premises May Be Owned or Leased Mainly for Use for Working and Not for Retail Sales
  • Saddles, Harnesses, or Horse Furnishings
  • Salon or Spa Operations
  • Sporting Goods/Equipment
  • Tattoo Artists
  • Theater or performing arts shows
  • Three-Dimensional Installation Art
  • Tobacco Related Products
  • Topical Products such as Cosmetics, Lotions, or Soaps
  • Vitamins, Supplements, or Suppositories
  • Videographers
  • Weapons, Knives, or Ammunition
  • Weapon/Weapon Like Demonstrations or Audience Particiaption Activities
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Read Terms & Conditions
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Read company email, phone and electronic delivery statement
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Select coverages options below.



Your application will be submitted for underwriting.
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Annual gross sales represent the amount of money a person earns in one year from all sources before taxes and not deducting expenses. Contact us if your gross sales are greater than $100,000.

Your application will be submitted for underwriting.
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Designed to cover your business personal property like equipment, supplies or inventory. This does not cover structural property like a building.

This Program 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.  

Your application will be submitted for underwriting.
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Add a Professional Liability endorsement if you teach classes or do demonstrations. Only applies if teaching, or doing demonstrations, is your secondary business. Must have a visual art product as your primary business.

Your application will be submitted for underwriting.
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Excess liability is an additional policy that gives you an extra layer of protection above your general liability limit. If needed, this policy will help you meet your contractual liability requirements with a venue or vendor. Each additional $1,000,000 excess liability limit will cost $500. If you need over a $2,000,000 excess limit please contact us.

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Nearly 1 in 4 businesses have experienced a cybersecurity event. If you collect and/or store customer and financial data, we strongly advise adding Cyber Liability Coverage for greater protection and peace of mind.

Your application will be submitted for underwriting.
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.




Add additional insureds.



When you add a person†, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

† Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

† A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

Additional Insured #{[{ $index + 1}]}(+$0.00)

Included with policy: Additional Insured, Waiver of Subrogation, Primary and Noncontributory.

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Please only use the additional insured email and do NOT use the policy’s holder email
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Make sure everything is accurate below.



Quote Summary

Policy Holder Edit

, ,
Email:
Email:
Mobile number:

Mailing Address is the Same as the Physical Address
Mailing Address:
, ,

Payment Information Edit

Payment Method:

Enrolled in EZ-Renew You are not enrolled in EZ-Renew
Edit Enroll
Your policy is set up to automatically renew on . With the EZ-Renew feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy coverage.

Art Vendor Annual

Payment Breakdown

Policy start date: - Policy end date: Edit

If changes are needed, please reach out to your agent.
Edit

Limits of insurance

General Aggregate Limit (Other than Products-Completed Operations) $2,000,000  
Products-Completed Operations Aggregate Limit $2,000,000  
Personal and Advertising Injury Limit $1,000,000  
General Each Occurrence Limit $1,000,000  
Damage to Premises Rented to You Limit $300,000 Any One Premises
Liability Deductible None  
     
Professional Coverage Extension $100,000
(If Purchased)		 Each Claim
  $200,000
(If Purchased)		 Aggregate
Professional Coverage Deductible $1,000 Each Claim
Business Personal Property/Inland Marine Limit Based on Selection Maximum payout for any one article
  Based on Selection Annual Aggregate Property described in the policy that you own, or is in your care, custody or control
Jewelry, Watches, Fur, or Fine Arts - Loss by Theft $5,000  Annual Aggregate
Business Personal Property/Inland Marine Deductible $250 Per Occurrence
     

 

Policy Holder Business Information

Edit
Business Type
name
DBA
Mobile number
Website
Business Activities
Business Activities Description
Product Description
Are you doing any installation art?
Are you an artisan contractor such as commercial painter, carpenter, framer, mason, home builder, commercial or residential contractor, or architect?
Are your products made or designed for infants, toddlers, or children?
Are at least 80% of the products you sell handmade/handcrafted by YOU? (Please note that the products you sell must be handmade by you.)
Are you the owner/operator of an art gallery displaying multiple artist’s work?
Do you own/operate, a retail store, or any permanent location, to sell your items?

Claims History

Have you had any liability or business property claims resulting in losses in excess of $5,000 within the last five years?
Are you aware of any incident(s) that may result in a claim?
Have you or your company ever been subject to local, state, or federal investigation relating to the type of business you are applying for?
Have you or your company ever been involved in any legal dispute relating to the operations of your company?

Terms and Conditions

The following coverages are EXCLUDED in this policy:

  • All Ingestible Food or Drink Products
  • Any Product Requiring a Prescription
  • Architecture or Design Professionals
  • Art Galleries
  • Artisan Contractors
  • Beauty or Health Services that are provided by an insured for a fee
  • Blacksmith Demonstrations
  • Candles Including Liquid Fuel Gel or Wax Melts
  • Chainsaw Carving Demonstrations
  • Children's Furniture
  • Children's Toys
  • Commercial Painters
  • Construction Operations
  • Directing, hosting, organizing, planning, promoting, or sponsoring of a fair, festival, show, or similar event
  • Drugs
  • Disc Jockeys (DJs)
  • E-Cigarettes and Smokeless Products
  • Medical Equipment/Devices
  • Medical Invasive Products Intended to Stay in the Body
  • Murals
  • Musicians
  • Nutraceuticals
  • Performing Artists
  • Portrait Photography
  • Pharmaceuticals
  • Products Designed for Infants, Toddlers, or Children
  • Retail Storefronts – Premises May Be Owned or Leased Mainly for Use for Working and Not for Retail Sales
  • Saddles, Harnesses, or Horse Furnishings
  • Salon or Spa Operations
  • Sporting Goods/Equipment
  • Tattoo Artists
  • Theater or performing arts shows
  • Three-Dimensional Installation Art
  • Tobacco Related Products
  • Topical Products such as Cosmetics, Lotions, or Soaps
  • Vitamins, Supplements, or Suppositories
  • Videographers
  • Weapons, Knives, or Ammunition
  • Weapon/Weapon Like Demonstrations or Audience Particiaption Activities
Check this box confirming you understand the above coverages are excluded in this policy
By checking this box, you certify that you are at least 18 years of age
By checking this box I accept the Terms & Conditions
Read Terms & Conditions
I agree to the following email, phone and electronic delivery statement
Read company email, phone and electronic delivery statement
Check this box confirming that you understand this policy is not intended for Artisan Contractors; such as, commercial painters, carpenters, framers, masonries, home builders, commercial or residential contractors, etc.

Additional Insureds

Edit
Unlimited Additional Insureds
Additional Insureds
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Employees

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{[{ employee.firstName }]} {[{ employee.lastName }]}

Independent Contractors

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{[{ contractor.firstName }]} {[{ contractor.lastName }]}

Your policy will be issued and your documents available immediately after clicking the "Purchase Policy" button below. Your policy application may be subject to review by our underwriting team to verify that the business operation, product, and/or service meet the eligibility guidelines established for the program. In the event we need further clarification to determine eligibility, we will contact you via email at the email address used to establish your account. If an account is found to be ineligible during the underwriting period, the policy will be subject to immediate cancellation and a full refund will be issued. After the underwriting period, the premium is 100% earned and no refunds will be given.

Your agent will be contacting you soon. There is a pending document to be submitted.



Let's Get Your Business Covered!



Initial payment:

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Please enter your credit card and bank information. Your credit card will be used for the down payment and your bank information will be used for the Capital Premium finance agreement monthly draft. If you have questions about alternative payment methods for the capital monthly draft please contact Capital Premium.
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This feature will create a customer payment profile for your billing information to allow easy checkout during future policy coverage extensions or updates. Credit card information is not stored within our system. All billing information is processed through authorize.net

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EZ-Renew

With this beneficial feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy.

You will receive a Conditional Renewal Notice prior to the renewal date of your policy. If you wish to cancel your policy, you must notify us in writing prior to the policy renewal date. You can cancel EZ-Renew at any time from your dashboard. Your policy will be renewed with the same coverage's, additional insureds and endorsements as your current policy. If you wish to change any coverages, you can login to your on-line account and make changes to your policy at any time.

Please note that we do NOT store credit/debit card numbers, nor do we share customer details with any third parties. Recurring billing is managed via Authorize.net.

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Based on your previous answers, it appears your business situation is unique and deserves a more personal touch. Please complete the application and one of our licensed sales agents will contact you within 48 hours to complete your quote.
Please click here to be directed to an application that is specifically for those whose business is in .

This state is not available for this program.

Art Vendor Annual

Policy Endorsements

Additional insureds

Coverage for Employees

Coverage for Independent Contractors

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