What types of coverage are included in farmers market insurance?

Farmers market insurance can include general liability insurance, product liability coverage, commercial property insurance, commercial auto coverage, and workers' compensation insurance. These coverages help protect against risks such as customer injury, property damage, and employee injuries.

How can farmers market insurance help protect my business?

Farmers market insurance helps protect your business against unique risks like damaged products, travel mishaps, customer injuries, and product-related incidents. It can also provide coverage for legal fees and financial losses if a customer sues your business.

Farmers Market Insurance

What Is Farmers Market Vendor Insurance?

Farmers Market Vendor Insurance is business insurance for farmers market organizers, sponsors and the vendors who rent space to sell their handmade gifts, novelties, produce and other goods. This insurance helps protect against costly claims of customer injury or product-related incidents, as well as other unique risks you may face while at an event. Depending on the venue, you may be contractually required to have farmers market insurance coverage to participate.

Why You Need Farmers Market Liability Insurance

General liability insurance helps protect your business and its assets from negligence, bodily injury or property damage and addresses unique risks like:

Customer injury from a slip and fall while navigating crowded booths.
Food items that may cause allergic reactions or foodborne illness.

Other important coverages you may want to think about include a Business Owner’s Policy, Management Liability, Workers’ Compensation and Commercial Auto.

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Many farmers markets require a Certificate of Insurance to set up shop. Having farmers market coverage shows customers and event organizers that you take pride in your reputation and are prepared should an accident occur. When you need to show your proof of insurance, we’ve made it easy to get yours whenever you need it.

How Much Does Insurance Cost for Farmers Market Vendors?

Several factors can impact what you pay for farmers market insurance, including the size of your operation, the market, its location and what you sell. In general, farmers market insurance policies for year-round vendors start at $2,771 per year.**

When looking for insurance for your farmers market business, it’s important to review each organization’s conditions to participate. You may need to add event sponsors as additional insureds on a policy.

To learn more about farmers market insurance costs specific to your individual needs, get a quote from The Hartford today.

Covering Your Farmers Market Vendor Operations

Having a booth at a farmers market is an effective way to sell your product and grow your customer base. It’s also an opportunity for accidents to happen. Help protect your business with the right insurance that covers accidents, general liability and more.

One of the most common risks at farmers markets are trip and fall incidents.¹

General Liability Insurance

“A customer was looking at a display of vegetables when they slipped on a smashed tomato. They fell and badly twisted their ankle.”

General liability insurance for vendors helps cover claims that your business caused bodily injury or property damage to someone else. This type of coverage can help address medical bills and legal costs if someone sues your business. Without it, you’d have to pay out of pocket.

Product Liability Coverage

“We hand out samples at our booth. A customer claimed she got sick from our fresh salsa and then sued my business.”

A Business Owner's Policy (BOP) can help protect your business from legal fees and financial loss if a customer claims that a product you made or sold caused bodily injury or property damage.

Protecting Your Property

We know your farmers market business is a retail space on the move. You haul displays, products and more to many different locations. That’s why we offer insurance coverages to help protect your important property, wherever it pops up.

Direct-to-consumer sales accounted for about 33% of the $9 billion in local farming sales in 2020.²

Commercial Property Insurance

“My custom tent blew over on a windy day and was damaged. I had to pay to replace it.”

Commercial property insurance can help protect your supplies and inventory from wind, theft, fire or other damage.

Commercial Auto Insurance

“I was backing my van into my assigned parking spot and hit another car. Unfortunately, I left giant scratches on both vehicles.”

Business auto insurance follows you from market to market, helping to pay for property damage or medical expenses if an accident occurs.

Taking Care of Your Team

From taking payments to answering customers’ questions, your small business employees are key to selling your jams, jellies and jewelry. Keep their well-being in mind with the right insurance.

The Bureau of Labor Statistics reports more than 2.5 million work-related injuries and illnesses in 2023.³

Workers’ Compensation Insurance

“A bee stung one of my cashiers, and she suffered an allergic reaction. We had to call for emergency services.”

If one of your employees gets hurt on the job, workers' compensation insurance can help with care and coverage. With this insurance, your employees get important benefits for work-related injuries or illnesses.

Management Liability Insurance

“An employee was repeatedly offensive to customers, and I had to ask her to leave. She sued my business, claiming she was wrongfully terminated.”

Management liability insurance is an added benefit that can help protect your business against employment-related lawsuits like wrongful termination, discrimination or harassment.

Frequently Asked Questions About Farmers Market Insurance

What Insurance Is Required for Farmers Market Vendors?

It’s important to check with your state and local insurance requirements for farmers markets. Depending on your needs, you can choose from many types of coverage:

A Business Owner's Policy (BOP) combines your farmers market property, general liability and business income coverage into one convenient policy.
Commercial auto coverage can help protect the vehicles you use to transport goods and employees to and from market events.
Workers’ compensation insurance can help cover medical expenses and lost income for an injured employee.

What If I Only Need One-Day Event Insurance?

Do you need specific insurance for a particular day or event? You can look to our insurance partner, Tivly, for information about special event insurance.

What Other Businesses Are Covered by The Hartford?

At The Hartford, we have over 200 years of experience and specialists dedicated to small businesses like yours. We’re here to help get you the right type of farmers market insurance with any important additional coverages, so you can focus on growing your business.

Find out more about coverage for business professions we insure:

Get a Quote for Farmers Market Insurance Today

With a farmers market insurance policy from The Hartford, you can focus on cultivating your business while we look after your insurance needs.

Quote Today

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Last Updated: April 9, 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.

¹ Farmers Market Coalition, “A Guide to Managing Risks and Liability at California Certified Farmers Markets”

² U.S. Department of Agriculture, “Direct Farm Sales of Food, Results From the 2020 Local Food Marketing Practices Survey”

³ Occupational Safety and Health Administration, “2023 Work-Related Injury and Illness Summary”

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.

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