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Art, Craft, and Hobby Supply Store Insurance
Art, Hobby or Party Supplies Store
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Why do art and hobby supply stores need insurance?
If a customer trips over a display of art supplies or model kits and suffers an injury, the resulting legal costs could shutter your business. Gain peace of mind and protection against unexpected costs with policies designed for the unique risks of art and hobby supply stores.
Find affordable coverage
With Insureon, you can get free insurance quotes from top-rated carriers for your arts, crafts, or hobby supply store.
A licensed insurance agent will review your quotes and help you find affordable policies that match your risks. Fill out our easy online application to get started.
What types of insurance do art and hobby supply stores need?
Shops that sell arts, crafts, and hobby supplies often buy these policies.
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for art supply shop owners and hobby store owners to buy general liability coverage and commercial property insurance together.
BEST FOR
- Customer bodily injuries
- Damaged or stolen art supplies
- Business interruption insurance
General liability insurance
General liability insurance covers common third-party risks, such as a customer who trips over a display rack at your hobby shop and files a lawsuit over their injury.
BEST FOR
- Customer slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Workers’ compensation insurance
Most states require workers' comp for arts and crafts stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal defense costs
Cyber insurance
This policy helps art, craft, and hobby supply stores survive data breaches and cyberattacks. It's recommended for any business that handles credit card numbers or other sensitive information.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
Commercial umbrella insurance
Commercial umbrella insurance boosts coverage on your art supply shop’s general liability, employer’s liability, or commercial auto insurance once the policy limit is reached.
BEST FOR
- Bodily injury lawsuits
- Property damage lawsuits
- Auto accident lawsuits
Commercial auto insurance
This policy covers accidents involving your van or other vehicle used to transport arts, crafts, and hobby supplies. Each state has its own requirements for auto liability insurance.
BEST FOR
- Damage to another vehicle
- Injuries caused to another person
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does business insurance cost for retail stores?
A small hobby shop or art supply store doesn't have to pay a lot for insurance.
Factors that affect your premiums include:
- Retail products and services offered, such as paint, fabric supplies, and model trains
- Business property and equipment
- Business income
- Types of coverage purchased
- Policy limits and deductibles
How do I get business insurance for art and hobby supply stores?
It's easy to get business insurance for your art and hobby supply store if you have your shop's information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees.
You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download a certificate.
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for shops that cater to artists, crafters, and hobbyists, whether you work independently or hire employees.
FAQs about art and hobby supply business insurance
Do arts and hobby supply stores need product liability insurance?
Product liability insurance is a must-have for hobby shops, arts and crafts suppliers, and wholesalers and distributors. That's because every business in the supply chain can be held liable for injuries and damages caused by a defective product, even when you didn't design or make the product.
This coverage can help pay for harm caused by:
- Manufacturing defects
- Design defects
- Marketing defects, such as lack of warnings
This coverage is typically included in your general liability insurance. Along with carrying the right insurance, it's recommended to reduce your product liability risks to avoid these kinds of lawsuits. If a product causes an injury or damages a customer's property, you could be forced to pay hundreds of thousands of dollars in legal costs.
Are art and hobby supply stores insured against shoplifting?
Shoplifting is a common occurrence at art and hobby shops, which is why it's important to make sure you're protected. Commercial property insurance covers the cost of burglaries and theft at your shop, in case a customer makes off with valuable trading cards, or smash-and-grab thieves target your business.
Employee theft is another concern. For that, there's commercial crime insurance, which provides reimbursement if an employee steals inventory, forges your signature, or makes off with computers or other business equipment. You can typically add this coverage to your property policy or BOP.
In addition to carrying insurance, it's important to take steps to prevent theft, such as by installing an alarm system and cameras.
What other policies should art and hobby supply stores carry?
For complete coverage, you'll want to consider a few other policies that protect against specific risks:
- Professional liability insurance helps pay for legal costs related to mistakes, poor advice, and other professional negligence claims. It's also called errors and omissions insurance (E&O).
- Business income insurance covers daily operating expenses and other costs when a fire or other covered property claim forces your art or hobby shop to close temporarily.
- Equipment breakdown coverage pays for repairs to specialized equipment that suffers a mechanical failure, such as a 3D printer that suddenly stops working.
- Electronic data processing insurance covers your computers, backup drives, and other electronics against damages and loss of data.
Our licensed agents can help you find the right coverage for your risks.
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