Business Insurance for Crafters and Artisans

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Find the right insurance for crafters

Whether you sell soap at craft fairs or ceramics online, you should be prepared for inventory damage, customer injuries, and other risks. Protect your small business with affordable craft insurance.

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Choose the best rate and coverage

Insureon helps crafters and artisans compare insurance quotes from top U.S. providers online. Get several quotes with one application.

What types of insurance do crafters and artisans need?

These policies cover common risks of homemade arts and crafts businesses.

Business owner’s policy icon

Business owner's policy

A BOP is a cost-effective way for crafters to buy general liability coverage and commercial property insurance together. It covers third-party lawsuits, including harm caused by a product.

  • Customer injuries and property damage
  • Product liability insurance
  • Damaged inventory
General liability insurance icon

General liability insurance

This policy covers common risks of selling handmade arts and crafts, including customer injuries. Bundle with commercial property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers’ compensation for craft shops that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

Cyber liability insurance helps crafters and artisans recover after a data breach or cyberattack. It's strongly recommended for any business that handles credit card numbers or other sensitive information.

  • Customer notification costs
  • Fraud monitoring services
  • Investigation of a data breach
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts coverage on a crafter or artist's general liability insurance, employer’s liability insurance, or commercial auto insurance once the policy reaches its limit.

  • Product liability lawsuits
  • Auto accident lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance is usually required for business-owned vehicles. This policy covers accidents involving a crafter's delivery van, pickup, or other vehicle.

  • Auto accidents
  • Vehicle theft
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

Why do crafters and artisans need business insurance?

Jewelry makers, woodworkers, and other artisans share their wares with the world. Whether it's a stranger on Etsy or a loyal customer at a craft fair, every transaction comes with liability. Crafter insurance protects your home business from customer injuries, copyright infringement, and other risks.

How much does insurance cost for retail businesses?

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Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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