Whether you sell at craft fairs or on Etsy, every transaction comes with liability. Business insurance provides financial protection when a customer suffers an allergic reaction, or when products are stolen or damaged. It also protects against unexpected medical bills and data breaches.
Insureon helps crafters and artisans find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right insurance for handmade products.
These insurance policies cover common risks of arts and crafts businesses.
A BOP is a cost-effective way for craft vendors to buy general liability coverage and commercial property coverage together. It protects against basic risks, such as theft at a craft show.
This insurance covers third-party risks of selling handmade arts and crafts, including harm caused by your products. Bundle it with commercial property insurance for savings in a BOP.
Most states require workers’ compensation for craft businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy helps small businesses recover from data breaches. It's strongly recommended for crafters and vendors that handle credit card numbers and other sensitive data.
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.
Commercial auto insurance is usually required for business-owned vehicles. This policy covers accidents involving a crafter's delivery van, pickup, or other vehicle.
A crafter who sells online will pay less for insurance than a business with a storefront.
Factors that affect premiums include:
It's easy to get artisan and crafter insurance policies if you have your company 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 proof of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your crafting business, whether you work independently or hire employees.