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 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 address a significant market gap where creative entrepreneurs have struggled to find appropriate insurance that matches their actual business models rather than forcing them into ill-fitting traditional policies.
For business leaders and technology professionals, this development represents an important evolution in how insurance providers are adapting to the modern creator economy. The traditional insurance industry has been slow to recognize the unique needs of digital-first and small-batch businesses, creating operational risks for entrepreneurs who must choose between inadequate coverage or no protection at all.
The implications extend beyond individual businesses to the broader creative economy, which has seen explosive growth in recent years. By providing tailored coverage options, ACT Insurance enables these businesses to scale more confidently, invest in growth, and manage risk appropriately. This could lead to increased stability in the handmade and curated goods sectors, potentially encouraging more entrepreneurs to enter these markets.
Both policies are available now through ACT Insurance's online checkout process. To learn more, visit actinsurance.com. ACT Insurance is part of the Insurance Canopy family of specialty insurance programs, which provide coverage for small businesses, creatives and event-based sellers.
