Artisan Insurance

small business owner protected by Artisan Insurance

Artisan Insurance Crafted for Your Business

We know your work as an artisan allows your creativity to flourish, but it can also bring risks. That’s why we offer artisans’ insurance to help protect you and your business from the unexpected.
 
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small business owner protected by Artisan Insurance

Why Do You Need Handmade Artisan Insurance?

No matter how experienced you are in your craft, unexpected challenges can always appear. Artisan insurance helps protect against the unique risks you face – whether it's accidents in the studio or damaged tools and materials. Most of all, business insurance can help protect your livelihood and your reputation, so you can focus on the work.
small business protected by handmade artisan insurance

Who Needs an Artisan Insurance Policy?

  • Artists
  • Carpenters
  • Woodworkers
  • Painters
  • Decorators
  • Potters and sculptors
  • Masons and tile setters
small business owner knows artisans insurance

What Type of Insurance Do I Need for an Artisan Business?

Most artisans start with a Business Owner’s Policy (BOP) for the peace of mind it provides. It can help protect you from claims of bodily injury or property damage, which can come up during normal operations.
A BOP combines three essential types of coverage into a single policy:
 
  • General liability insurance to help cover claims that your business caused bodily injury or property damage to someone else.
  • Commercial property insurance to help protect the owned or rented buildings, tools, supplies, materials and products you use to operate your artisan business.  
  • Business income insurance to help replace your lost income if you can’t operate because of property damage caused by a fire, wind or theft.
At The Hartford, we know no two artisan businesses are the same – or face identical risks. We’ve made it easy for you to add other types of insurance to your BOP to have well-rounded protection.
 

How Much Does Artisan Insurance Cost?

The cost of artisan insurance varies, but here are the average amounts small business insurance customers of The Hartford pay for common types of coverage:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
It’s important to remember that insurance costs vary because every business owner has unique needs. Insurers also use different factors to determine rates. The best way to find out how much artisan insurance will cost is to get a quote.
business owner protected by artisan insurance policy

Here for You, 24/7

Get your proof of insurance online whenever you need it. We know your time is valuable, so we’ve made it easy for you to access your certificate.

Covering Your Operations

We know you aim to run your business perfectly, but accidents can still happen. The right type of artisan insurance can help protect your business and limit interruptions to your operations.
Small businesses make up 48% of all commercial tort costs in the U.S.2
Employment Practices Liability Insurance for artisans

General Liability Insurance

“A child pulled a heavy glass vase from a top shelf, and it struck him on the head. He ended up with a gash that required stitches.”
 
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
business income insurance for artisans

Business Income Insurance

“A fire broke out in the building where we share our pottery studio. It ended up destroying our kiln. We couldn’t operate until the replacement came in weeks later.”
 
Business income insurance can help you pay ongoing expenses like rent, payroll and utilities if you can’t operate your business because of damage from a fire, theft or wind.

Taking Care of Your Team

Your employees face risks every day, from on-the-job injuries to workplace discrimination. Protect your business with artisans’ insurance.
There were approximately 3 million workplace injuries in the U.S. in 2022.3
workers' compensation Insurance for artisans

Workers’ Compensation Insurance

“One of my employees was mopping our studio and slipped on the wet floor. They injured their back and were out of work for a few weeks to recover.”
 
Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. It can help cover their medical bills and ongoing care costs. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto Insurance for artisans

Commercial Auto Insurance

“It was raining pretty hard while I was driving our company truck to a festival. I lost control when making a turn and ended up crashing into someone’s fence.”
 
Commercial auto insurance helps protect you and your employees on the road when driving a company-owned vehicle for business.

Protecting Your Property

You rely on tools, equipment and materials for your artisan business. How would it impact your company if your property gets damaged or destroyed? With artisan insurance, you can have peace of mind knowing your property is protected from the unexpected.
In 2023, 68% of data breaches involved a person falling for a social engineering attack or making an error.4
data breach insurance for artisans

Data Breach Insurance

“I clicked on a link to download what I thought was an invoice from one of my suppliers. It wasn’t a real file, and my computer got a virus. It turns out my customer data was stolen.”
 
Data breach insurance helps your business respond to a breach if personally identifiable information (PII) gets lost or stolen. This insurance can help pay for your costs to notify impacted customers and offer credit monitoring services.
commercial property insurance for artisans

Commercial Property Insurance

“Someone broke into my paint studio and ransacked it. My materials were thrown everywhere, and my easels were completely destroyed.”
 
Commercial property insurance helps protect your business’ tools, equipment, materials, inventory and supplies that you use to operate. It can help cover the repair or replacement costs if they’re damaged from fire, burglary, theft or wind.

Artisan Insurance You Can Count On

We understand the challenges that artisan businesses face every day, from managing delicate inventory to protecting your business from liability claims. That’s why our coverage is designed to fit your specific needs, offering peace of mind and protection for your artisan business.
 
Find out more about other related professions we insure:
 

Frequently Asked Questions About Artisans’ Insurance

Artisan insurance coverage helps protect your craft business from claims that it caused someone bodily injury, illness or property damage. It can also help pay legal costs if you’re sued by an employee. Business insurance for artisans can help protect your vehicles and equipment used for work too.
Your artisan business needs insurance because it helps cover the costs associated with property damage and liability claims. Without insurance, you’d have to pay out of pocket for costly legal claims and damages against your business. In some instances, an employee lawsuit or customer claim could be financially devastating to a small business. In addition, some states may require you to carry certain types of business insurance.
The best way to get artisan insurance from The Hartford is to get a free quote online. Our process is fast and simple, and you can receive a quote for your needs in just a few minutes.
happy small business owner protected by insurance for artisans

Get Artisan Insurance Today

Get the protection you need to craft with confidence.
 
Quote Today
 
 
Last Updated: Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 Institute for Legal Reform, “Tort Costs for Small Businesses”
 
3 Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2022”
 
4 Verizon, “2024 Data Breach Investigations Report”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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