The HandMade Artisans Risk Purchasing Group insurance program and website is managed by Luce, Smith & Scott, Inc., an independent insurance brokerage firm, providing insurance products and services to its business and individual clients since 1925. Luce, Smith & Scott is the insurance program administrator and insurance agent/broker. The HandMade Artisans Risk Purchasing Group insurance program is underwritten by and placed with Cincinnati Insurance Company, an "A+" (Superior) rated carrier by A.M. Best.
The HandMade Artisans Risk Purchasing Group insurance program was established and designed solely for the purpose of providing business general liability coverage, including product liability coverage, to handmade artisan individuals and business entities at an affordable, group discounted price.
Every business, even home based, needs to have business general liability insurance. Business general liability insurance provides coverage for both defense costs and damages, if you or your products cause or are alleged to have caused bodily injury or property damage to third parties, such as customers. For example, customers might claim that they were physically injured, or that their property was damaged, due to an unsafe condition where you were conducting business activities, or as a result of the use of your products.
The HandMade Artisans Risk Purchasing Group insurance program provides this necessary coverage to protect you and your business, and to satisfy most insurance requirements typically needed at fairs, exhibitions, markets, and other venues. The cost of the annual coverage is group discounted significantly at over 40%. The HandMade Artisans Risk Purchasing Group insurance program is available 24/7 online.