ACT Insurance Launches Annual Coverage for Curated Sellers and Handmade Beauty Businesses

ACT Insurance announced the launch of two new annual insurance policies designed 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 how they operate day to day. 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 the policy starts at $31.58 per month.

Small-batch makers of soaps, candles and cosmetic products can now access coverage through the Handmade Beauty policy, since even carefully-produced items can trigger reactions or claims tied to customer use, creating risk for independent makers. Annual coverage is available for $515 per year. 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.

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. Creators should not have to adjust their business model to fit an insurance product, said JoAnne Hammer, Certified Insurance Counselor (CIC) 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 brands focus on straightforward policies built around how independent businesses operate, with clear pricing and fast access to coverage. Both policies are available now through ACT Insurance's online checkout process. To learn more, visit actinsurance.com. This development matters because it addresses a significant gap in the insurance market that has left many creative entrepreneurs vulnerable to financial risk. For years, curated sellers and handmade beauty businesses have operated without adequate protection because traditional insurance products were not designed for their unique business models. The introduction of these specialized policies represents a recognition of the growing creative economy and provides these entrepreneurs with the security needed to grow their businesses sustainably.

The implications extend beyond individual business protection to potentially encouraging more people to enter creative fields knowing that appropriate insurance exists. By offering annual coverage rather than event-based policies, ACT Insurance acknowledges that these businesses operate continuously rather than seasonally. This shift in insurance approach could influence how other insurers view and serve the creative sector, potentially leading to more tailored products across the industry. The policies also address specific liability concerns that are unique to these businesses, such as product reactions for beauty makers or third-party liability for curated sellers, providing comprehensive protection that was previously difficult to obtain.