Craft Vendor Insurance Cost & Coverage Guide
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Craft Vendor Insurance
A gust of wind takes out your booth at a street fair, a customer trips over a display, an assistant gets burned on a hot-glue gun — craft vendor insurance can help protect your business from the unexpected so that one bad market day doesn’t unravel everything you’ve built.
This guide will break down the most common insurance coverages for craft vendors, what they typically cost, and how you can get the protection you need for your business. We’ve got you covered.
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What is Craft Vendor Insurance?
Craft vendor insurance is typically a collection of policies craft vendors often buy designed to help protect your business from the financial fallout of customer injuries, accidents involving staff on the job, property damage, and business interruptions. Without the coverage your business needs, you could be solely on the hook for equipment repairs, legal fees, or medical bills — setbacks that can hit especially hard during the peak craft show season.
How Much Does Craft Vendor Insurance Cost?
Here is a breakdown of median costs¹ based on our recent customer data.
Average Costs1
| Insurance Policy | Median Monthly Cost | Median Annual Cost |
|---|---|---|
| General liability | $20 | $240 |
| Business owner’s policy | $50 | $600 |
| Workers’ compensation | $101 | $1,212 |
1Data from Simply Business customers specializing as “craft vendors” who purchased at least one or a combination of general liability, BOP, and workers’ compensation policies from July 1, 2025 to December 31, 2025. The median costs shown are for illustrative purposes only; actual premiums vary by state, coverage limits, and individual business risk.
Small craft show vendor insurance rates vary, and your final premium will depend on factors such as your location, the number of employees you have, the details of your specific business, and your claims history.
What Insurance Does a Craft Vendor Typically Need?
General Liability
Foundational insurance coverage for a craft vendor to help handle costs from third-party accidents, property damage, and bodily injury.
Why You Need It:
While stopping by your studio to pick up a custom order, a customer trips over a rug and fractures their ankle. A general liability policy could help cover the cost of their medical bills and help protect you from other third-party damage claims.
Median Cost
$20
/month*
Workers’ Compensation
If you have employees — even just one assistant — most states require you to carry workers’ compensation. This policy helps cover medical bills and a portion of lost wages for employees who suffer a work-related injury or illness.
Why You Need It:
An employee slices their hand on a box cutter while prepping orders and they need stitches. Workers’ compensation can help cover medical care and a portion of their lost wages while they recover.
Median Cost
$101
/month*
Business Owner’s Policy (BOP)
A Business Owner’s Policy (BOP) typically bundles three key coverages — general liability, commercial property, and business interruption insurance — into one convenient package. It’s designed to help protect your business from a range of common risks without the hassle and expense of managing multiple policies.
Why You Need It:
Inside your workshop a pipe suddenly bursts, soaking your inventory and ruining the supplies you need for an upcoming craft fair, making them unusable. A BOP may cover the replacement cost of your business property and the income you miss while you get back up and running. Many owners choose a BOP because it offers more protection than a stand-alone general liability policy, without costing much more.
Median Cost
$50
/month*
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FAQs About Craft Vendor Business Insurance
Do I need business insurance if I run my craft business from home?
Homeowners’ insurance usually won’t cover business-related claims such as customer and staff injuries, equipment repair, or damage to inventory. Business insurance can help fill those gaps — even if your workshop is your kitchen table.
Does craft insurance cover my inventory if it’s stolen from my booth?
A standard BOP typically only covers items that are at your permanent studio. To ensure you’re covered at a craft fair, your policy should include inland marine coverage. This follows your inventory, equipment, and supplies while in transit and at the show.
Can I add an “Additional Insured” for my event organizer at no extra cost?
Many craft fairs and markets require vendors to name the event organizer as an additional insured. With Simply Business, you can often add this to your policy and get a Certificate of Insurance (COI) — no extra paperwork or waiting on hold.
Can I get a Certificate of Insurance (COI) immediately?
COIs for most insurance policies are available as soon as you purchase your policy. Once available, Simply Business provides digital COI access through your online account any time of day — so if a show organizer asks for proof of coverage the night before an event, you’re covered.
Is it cheaper to buy an annual policy if I attend more than four shows a year?
In most cases, yes. Paying for one-off event coverage adds up quickly, and an annual policy provides continuous protection for your workshop, inventory, and any pop-ups in between.
What determines the cost of craft vendor insurance?
The cost for your insurance coverage is typically determined by several factors, such as:
- The type of products you make and sell
- Where your business is located
- Your annual revenue
- The number and type of events you attend
- The types of policies and limits you choose
Other factors can include your claims history and how long you’ve been in business.
How can I lower my craft vendor insurance cost without losing coverage?
A few ways to keep strong protection while trimming costs include:
- Compare options: We provide customized coverage recommendations and craft vendor insurance quotes from top-rated small business insurers so you can see them side by side.
- Bundle smartly: A BOP can be more cost-effective than buying general liability and property insurance separately.
- Right-size your limits: A vendor doing a handful of local markets a year has different exposure than one touring regional craft fairs every weekend. Make sure your limits match your actual risk and budget.
- Reduce preventable claims: Secure your booth setup, anchor heavy displays, and keep walkways clear — fewer incidents at the table means fewer claims on your record.
- Keep your info current: Accurate revenue, inventory values, and event schedules help avoid overpaying for coverage you don’t need.
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Owner of Tangaza Bath & Body Studio LLC
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Owner of Bunker83 LLC
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Kim
Owner of Room to Breathe Professional Organizing
Why Craft Vendors Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or protecting your shop and your tools and equipment, we can help find the coverage you need for your craft vendor business.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between January–June 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.