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Craft Vendor Insurance
Protect your craft business with coverage designed for makers, artists, and sellers
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Tailored crafters insurance for small vendor businesses
Being a craft vendor or artisan is all about creating unique products and connecting with customers at fairs, festivals, and markets. Craft vendor insurance helps address the specific risks that come with selling handmade goods in busy, shared spaces.
What is craft vendor business insurance?
Craft vendor insurance is commercial insurance designed for small businesses that sell handmade or crafted goods. Depending on the coverages you choose, it can help protect you from common risks like liability claims and damage to business property.
Business property that may need protection includes:
- Inventory
- Booths and tents
- Tools and equipment
- Displays and signage
- Payment systems
Your coverage needs may vary depending on what you sell, where you sell it, and whether you operate alone or have employees. If you use vehicles for business, you may also need commercial auto insurance.
Progressive Commercial offers customized arts and crafts insurance solutions for a wide range of businesses. Start an online quote or contact our specialists to find a policy that works for you.
Why craft vendor insurance is important
Selling at craft shows, fairs, and markets can expose your business to risks that may not exist when you're creating products at home or in a studio. Busy event spaces, temporary setups, and frequent interactions with customers can create situations where accidents or claims occur.
For example, if one of your displays falls and injures a customer, your insurance can cover medical bills and legal expenses if you're held responsible.
Insurance may also be required to participate in certain events. Organizers often ask vendors to provide a certificate of insurance (COI) to show they have active event vendor insurance. With a Progressive Commercial business policy, you can quickly access a COI when proof of coverage is needed.
Who needs craft vendor insurance?
If you create and sell handmade products, crafting insurance may be a good fit for your business. Insurance for crafters is commonly purchased by:
- Jewelry makers
- Soap and candle makers
- Artists and illustrators
- Woodworkers and furniture makers
- Home décor crafters
- Personalized gift sellers
- Farmers market vendors
- Art fair and craft show vendors
Whether you run your business as a sole proprietor, operate as an LLC, or manage a small team, crafter business insurance protects what you've built. Let Progressive Commercial connect you with a policy that meets your needs.
Types of craft vendor insurance
Craft vendors often need more than one type of insurance. Different coverages can address different risks, including customer injuries, property damage, and losses involving inventory or equipment. Consider the following types of insurance.
General liability (GL)
Protection for injuries or property damage to others
General liability (GL)
Protection for injuries or property damage to others
General liability insurance covers third-party claims involving bodily injury, property damage, and personal and advertising injury. It also includes product liability coverage for claims involving products you make or sell. Learn more about the benefits of general liability insurance for craft vendors and what a GL policy costs.
Example: A customer says your candle had a defective container that cracked and damaged an antique table. Product liability insurance on your GL policy could help pay for repairs and legal costs if they file a claim against your business.
Business owners policy (BOP)
Liability and property coverage in one policy
Business owners policy (BOP)
Liability and property coverage in one policy
A business owners policy combines liability coverage and commercial property insurance into a single package. It can help protect your inventory, displays, and other business property if they're damaged by covered events like fire or theft. A BOP from Progressive Commercial also includes business interruption coverage. It can replace lost income and cover certain ongoing expenses if property damage temporarily interrupts your business.
Example: A storm damages your displays and inventory during an outdoor craft festival. A BOP can help pay to repair or replace the damaged items after a covered loss.
Professional liability
Protection for claims involving custom work or professional services
Professional liability
Protection for claims involving custom work or professional services
Professional liability insurance covers customer claims that your work didn't meet expectations or caused them financial loss. It can be especially helpful if you create custom products, accept commissions, or provide advice related to the products you sell. Learn about the cost of professional liability insurance.
Example: A business hires you to create a custom glass sculpture for an important client. When the finished piece doesn't match the approved design, they claim the mistake damaged the relationship and caused them to lose a contract. Professional liability insurance could help cover related legal costs and settlements.
Commercial auto
Coverage for vehicles used for your craft business
Commercial auto
Coverage for vehicles used for your craft business
If you use a car, van, truck, or trailer for your craft business, you may need commercial auto insurance. It can help cover accidents, injuries, property damage, theft, vandalism, and other vehicle-related incidents. Liability coverage is required in most states, and you can add other commercial auto coverages for broader protection.
Example: You're driving to a craft fair when you cause an accident that damages your vehicle and trailer. A commercial auto policy with liability and physical damage coverage could help pay for repairs and other accident-related costs.
Workers' compensation
Key coverage for employee injury claims
Workers' compensation
Key coverage for employee injury claims
Workers' compensation insurance can help cover medical bills, lost wages, and rehabilitation costs if your employees get injured or become ill because of their job. The size of your team and your state's workers' comp requirements can affect the cost of workers' comp insurance.
Example: Your employee strains their back while unloading heavy boxes and display equipment. Workers' compensation could pay medical expenses and lost wages while they recover.
Cyber
Protects customer information and online business tools
Cyber
Protects customer information and online business tools
Many craft vendors rely on online payment systems, mobile card readers, e-commerce stores, and customer email lists to run their business. Cyber insurance helps you recover from a cyber attack, data breach, or other cyber-related incident.
Example: A hacker accesses a database containing customer names, addresses, and payment information. Cyber insurance can pay for customer notification, legal costs, data recovery, and identity restoration services.
Protect your tools and equipment at fairs and festivals
If you do live demonstrations at craft fairs or festivals, tools and equipment insurance can help protect the equipment you rely on. It can cover items like kilns, pottery wheels, and other machinery if they're damaged or stolen at an event or while in transit.
You can also add equipment breakdown coverage to a BOP to cover unexpected repair costs and lost income when an essential machine stops working.
How much does craft vendor insurance cost?
Craft vendor business insurance costs depend on the size of your business, what you sell, and the coverages you choose. For example, a vendor who only sells online may pay less than someone who travels to fairs and festivals with inventory, displays, and equipment.
Several factors can affect the cost of craft insurance, including:
- Location
- Type of products sold
- Number of employees
- Coverage limits
- Value of equipment and inventory
- Claims history
- Vehicles used
- Driving history
If you need commercial auto coverage, that will also affect your overall insurance premium. The cost of commercial auto insurance is influenced by factors like the number of vehicles you use, how far they travel, driving history, and available discounts. The best way to find out what you'll pay for craft vendor insurance is to get a customized quote.
Craft vendor insurance through Progressive Commercial
Progressive Commercial offers flexible coverage options for craft vendors, artists, and makers. Whether you sell at local markets, festivals, craft fairs, or online, we can help you find insurance that fits your business.
Get a free online quote or talk to one of our specialists about customized coverage for your craft business.
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