FAQs

Frequently Asked Questions

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Do I need this liability insurance even if I have a homeowner/condo/renter policy?

Yes you need this liability insurance even if you have one of the above noted policies in effect.  Generally, home/condo/renter policies have an exclusion for business activities and products.

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How does the program work?

Purchasing business general liability through the HandMade Artisans Risk Purchasing Group insurance program saves you money on insurance premiums, because you are a member of the risk purchasing group. The risk purchasing group, which consists of individuals and businesses involved in similar business activities, namely products made by hand, has negotiated substantial premium discounts in behalf of its members from the insurance carrier.

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Who is eligible for this program?

If you are an artisan, who produces your own products by hand, or who has others produce your products by hand under your direct supervision, you are eligible, unless your products consist of the following: To view a list of eligible and ineligible products, click here

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When is insurance coverage effective?

Your insurance coverage is effective immediately after your payment online is verified. Upon verification, you will receive an email confirmation of insurance coverage. Then, you may print or download your certificate of coverage, terms and conditions of the policy, and ACORD certificate of liability insurance.

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If I no longer need my insurance, can I get a refund?

There are no refunds, as the coverage is 100% fully earned at the time of purchase.

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What is an additional insured?

An additional insured is a person or organization that is added to your business general liability insurance by endorsement. This is a common request in the course of doing business. When you add a person or organization to your business general liability insurance as an additional insured, you are extending your business general liability coverage to protect the additional insured from a bodily injury or property damage claim arising out of your business activities or your product.

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Is there a cost to add an additional insured?

No, there is no cost to add an additional insured. You can add as many additional insureds as needed, and send them certificates accordingly. All you have to do is log into your account and click “Add Additional Insured” button.

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How do I renew my policy?

You may login to the HandMade Artisans website to your online account. Click on “My Account”, then click the “Renew” button. The “Renew” button will be available for 75 days prior to the expiration date of your coverage.  Once you click the “Renew” button, follow the directions provided to you.

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Will I get renewal reminders?

Yes, you will receive reminders to renew your policy. Reminders are emailed to you 75 days, 15 days, and 1 day before your policy expires.

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Can I add an additional insured after I purchase my policy?

Yes. Just log into your account on the website, and enter the additional insured information and download the certificate of insurance within minutes

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 hand made artisan individuals and business entities at an affordable, group discounted price.