This week Phoebe is joined by Joanne Hammer, Program Manager for ACT Insurance, a program for Artists, Crafters, & Small business owners that offers annual & event insurance in minutes for product based business. Joanne is passionate about creating new product opportunities for small businesses and entrepreneurs and educating them on the value of protecting their product-based businesses. Tune in to learn the difference between an LLC and insurance coverage and why getting insurance can save you time, money, and lots of energy, covering everything from your inventory and your supplies to third party claims! Quotes: [3:46] Everyone selling a product should have insurance, regardless if this is a hobby, entrepreneurial phase, or your full-time job. You should have that insurance to protect yourself. [21:00] You need that peace of mind, that extra protection so that your business can grow and thrive Show Notes  ACT Insurance