Craft Vendor Insurance

small business owner protected by craft vendor insurance

Craft Vendor Insurance Created for You

We know you’re passionate about your projects and put a lot of hard work into them. That’s why we created insurance for craft vendors to help protect your business, so you can focus on designing and selling your one-of-a-kind items with confidence.
 
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small business owner protected by craft vendor insurance
small business protected by insurance for craft vendors

Why Do You Need Craft Fair Vendor Insurance?

Whether you're selling handmade goods at markets, festivals or online, you face unique risks. Insurance for craft fair vendors helps cover you from those risks, like someone stealing from your booth or a customer tripping over your setup.
craft vendor knows craft fair insurance

Who Needs Craft Show Insurance?

  • Artisans
  • Craftspeople
  • Vintage or collectible sellers
  • Etsy sellers

What Type of Insurance Do I Need for a Craft Vendor Business?

To help keep your business protected, having a Business Owner’s Policy (BOP) is a good start. Most craft vendors choose this as part of their crafter insurance coverage for the peace of mind it provides.
 
A BOP combines three essential types of coverage into a single policy, giving you more coverage for less money. These three coverages will help protect your craft business from claims of bodily injury or property damage:
 
small business owner protected by craft show insurance

How Much Does Craft Vendor Insurance Cost?

The cost of vendor insurance for craft shows varies. That’s because craft vendors are all different and require various coverages based on their business’ needs. Here are some of the most popular coverages our customers have with the averages they pay:**
 
  • 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
Insurance companies use different factors to determine costs. So, your rate may be different than the average. The best way to find out how much craft vendor insurance costs is to get a quote.
business owner protected by crafter insurance

Here for You, 24/7

Your time is valuable, especially when creating, marketing and selling your own products. That’s why we make it easy to access your proof of insurance whenever you need it.

Covering Your Operations

Small accidents can cause huge issues for your craft business. If someone gets injured while shopping at your booth and decides to sue, you could be liable to pay thousands of dollars out of pocket. From injury lawsuits to inventory damage, the right insurance can help keep you protected, so you can do what you love without worrying about the cost of unexpected issues.
Small businesses make up 48% of commercial tort costs.2
Employment Practices Liability Insurance for craft vendors

Employment Practices Liability Insurance

“When one of our employees accused us of discrimination, we were shocked. He believed he wasn’t selected for a promotion because of his age. Suddenly, we were facing a legal battle.”
 
Employment practices liability insurance helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
business income insurance for craft vendors

Business Income Protection

“A pipe burst in our studio and damaged our inventory and supplies. We couldn’t make any new products or fulfill orders while we waited for a restock.”
 
Business income insurance can help you continue to pay ongoing expenses like rent, payroll and utilities when your business is unable to operate due to covered property loss.

Taking Care of Your Team

Whether you have one team member or several, taking care of your staff is vital to your business’ success. We know the unique risks your employees face on the job and have created craft fair insurance designed to help protect your team while they work.
Ergonomic injuries make up 33% of all worker injuries in the U.S.3
workers' compensation Insurance for craft vendors

Workers’ Compensation Insurance

“One of my most tenured seamstresses developed severe carpal tunnel syndrome from years of sewing. She needed surgery with an extended recovery period.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto Insurance for craft vendors

Commercial Auto Insurance

“One of our employees was on his way to drop off some craft materials when he got into a fender bender. He ended up hurting his back and had to go to the hospital to get checked out.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business vehicle for work.

Protecting Your Property

Your craft show business could come to a standstill if your products are damaged or stolen. From replacing equipment to covering lost inventory, insurance for craft shows helps ensure you get back on your feet and continue running your business as fast as possible.
Among small business retailers, 85% reported experiencing theft at least once a year.4
commercial property coverage for craft vendors

Commercial Property Insurance

“Some of our most popular pieces were stolen from our booth at one of our biggest craft shows. We lost a ton of revenue by having those expensive products stolen.”
 
Commercial property insurance helps protect your business' equipment, furniture and personal property from loss or damage caused by events like storms, fires or theft.
craft vendor Business Income From Off-Premises Operations

Business Income From Off-Premises Operations

“Our van was broken into while we were setting up at a craft fair. They ended up taking our handmade products and inventory, so we couldn’t sell them at our booth.”
 
You can extend your business income coverage to protect your property while you’re away from your studio. Business income for off-premises operations can help cover lost income if the inventory and property your craft business relies on gets damaged, destroyed or stolen.

Frequently Asked Questions About Craft Vendor Insurance

Liability insurance for craft vendors helps protect your business from claims related to bodily injury, illness or property damage that may occur at shows or in your store. For example, if a customer or employee is injured at your booth, your insurance can help cover their medical expenses and potential legal costs. It also helps provide protection for your business’ equipment, such as sewing machines, product displays and crafting materials. This helps ensure your business operations aren’t interrupted by unexpected incidents.
Craft vendor insurance is critical, because it helps protect your business from claims that can come up during normal operations. It helps cover expenses related to various claims, such as property damage or workers’ compensation. Without coverage, you may have to pay out of pocket for costly claims, which could be financially devastating to your business. Plus, some states require certain types of business insurance, so it’s important to stay protected and compliant.
The best way to get craft vendor insurance from The Hartford is to get a quote. We make it easy for you to get a fast and free insurance quote online. In just a few minutes, you can find specialized insurance for the needs of your craft show business.
small business owner protected by insurance for craft shows

Learn More About Craft Vendor Insurance

Get the coverage you need to help protect your craft and your business.
 
Quote Today
 
 
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 American Society of Safety Professionals (ASSP), "Why Ergonomics Should Be at the Forefront of Worker Safety and Well-Being"
 
4 Forbes, “Impact of Retail Theft on Small Businesses”
 
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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