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 previously lacked appropriate options.
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 handmade beauty businesses is available for $515 per year, offering predictable pricing for creators operating on tight margins.
"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. "We built these policies to reflect real creative businesses instead of forcing sellers into short-term or incomplete coverage." The 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.
"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." 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 importance of these new policies lies in their potential to stabilize and protect growing segments of the creative economy. For curated sellers, the coverage addresses the liability gap that exists when selling products made by others, while handmade beauty makers gain protection against claims that could otherwise devastate small operations. Both policies are available now through ACT Insurance's online checkout process at actinsurance.com, offering streamlined access to coverage that previously required complex negotiations with traditional insurers.
