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Why do crafters and artisans need business insurance?
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.
Find the right coverage
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.
What types of insurance do crafters and artisans need?
These insurance policies cover common risks of arts and crafts businesses.
Business owner's policy
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.
BEST FOR
- Customer bodily injuries
- Product liability insurance
- Theft and property damage
General liability insurance
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.
BEST FOR
- Slip-and-fall accidents
- Product liability coverage
- Libel and other advertising injuries
Workers’ compensation insurance
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.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Cyber insurance
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.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Investigation of a data breach
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.
BEST FOR
- Product liability lawsuits
- Auto accident lawsuits
- Employee injury lawsuits
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.
BEST FOR
- Auto accidents
- Vehicle theft
- Repairs due to vandalism or weather
Looking for different coverage? See more policies.
How much does insurance cost for retail businesses?
If you sell homemade arts and crafts through an e-commerce shop, you can expect to pay less for insurance than the owner of a brick-and-mortar gift shop.
Factors that can affect premiums include:
- Types of handmade crafts offered
- Business equipment and property
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get crafter insurance?
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:
- 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 your crafting business or arts and crafts supply store, whether you work independently or hire employees.
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