Craft Show Insurance

Craft Show Insurance

Protect your finances and assets from liabilities with customized craft show liability insurance.

Trusted by over 300,000 Canadian small business owners!

Save up to 35% on your insurance

Get the best insurance quote in a few clicks!

Trusted by over 300,000 Canadian small business owners!
Save up to 35% on your insurance
Get the best insurance quote in a few clicks!
Get a Free Quote
Zensurance - Craft Show Vendor

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Insurance for craft show vendors

Craft vendors delight their customers with unique items, including handmade jewellery, pottery, paintings, sculptures, textiles, clothing, candles, soap, home decor, and more. Many craft market vendors may also offer demonstrations of their craft at their events, providing information about their creative processes and offering customers custom orders or personalized items. Crafters also contribute to the cultural vibrancy of local communities by showcasing their work and the works of talented artists and artisans.

However, craft show vendors face many risks when selling their products at various events. For example, they may be exposed to liability for injuries or property damage caused by their products, or they may be held liable for accidents that occur at their booth or as a result of their activities. In addition, vendors may face financial loss if their products are stolen or damaged during the event.

Craft vendors could face significant financial losses or even bankruptcy due to accidents or other incidents during craft shows and other events without insurance.

Liability insurance for craft show vendors provides coverage to individuals who sell their products or services at craft shows, art fairs, and other similar events. It is designed to protect vendors from financial loss or liability in the event of accidents, property damage, or other incidents that may occur during the event.

A comprehensive craft show vendor liability insurance policy may include the following coverages:

For example, if your vendor’s table collapses and injures a customer, you may be liable for the customer’s medical expenses and other damages. CGL can help cover the costs of these damages and any legal defence costs if you are sued.

  • Product Liability Insurance: Product liability insurance is essential protection for craft vendors. It covers claims of third-party bodily injury or property damage for any product you manufacture, create, distribute, or sell (including food and beverages).

For instance, let’s say you’re selling homemade lotion a customer buys, but they develop a severe skin rash after using it. If the customer sues you for medical expenses and lost wages, product liability insurance can cover the costs of defending against the claim and any settlement or judgment awarded to the customer.

  • Commercial Property Insurance: Commercial property insurance covers the physical property and equipment you use, such as tents, tables, chairs, and inventory. It pays for damage or loss caused by fire, water damage, theft, vandalism, or extreme weather.

For example, if your tent and inventory are damaged in a sudden thunderstorm while participating in a craft show, commercial property insurance pays for repairing or replacing the damaged property.

  • Cyber Liability Insurance: If you accept digital payments for the goods you sell at a craft show, collect customer emails to add to an email list, or sell your wares online, you need cyber liability insurance. It’s designed to cover expenses if you suffer a cyber-attack or data breach by paying costs related to investigating and responding to a data breach, notifying affected customers, reputational harm, and your legal defence if sued.
  • Event Liability Insurance: Also called vendor liability insurance, event liability insurance covers organizers of craft shows and festivals against risks such as third-party bodily injury and third-party property damage that may occur.

Insurance companies determine what a craft vendor liability insurance policy costs based on several factors, including:

  • The location and frequency of the craft shows where you sell goods
  • The types of products you sell
  • Your years of experience as a craft show vendor
  • If you sell goods online or use a portable point-of-sale system
  • How many employees you have (if applicable)
  • Annual and projected revenue 
  • Your insurance claims history

Getting insured is quick and easy!

Complete our 5-minute online application for a free craft fair vendor insurance quote.

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Common claims scenarios

vendors at a craft fair

Problem: A customer slips and falls on a wet floor in your craft show vendor’s booth and suffers an injury.

Outcome: Your commercial liability insurance may cover the injured person’s medical expenses and provide you with legal defence if you’re sued.

homemade beef jerky

Problem: A customer buys the homemade beef jerky you sell at a craft show. After ingesting the jerky, they become ill and seek medical attention. They subsequently allege your jerky poisoned them and threaten to sue.

Outcome: Your product liability insurance may cover the customer’s medical expenses and provide you with funds to hire a lawyer to defend yourself.

cyber-hacker

Problem: Your online store is hacked, and several customers’ personal and credit card information is stolen.

Outcome: Your cyber liability insurance may pay the cost of responding to the breach, including hiring forensic experts to investigate the breach, notifying affected customers, and providing them with credit monitoring services.

Frequently asked questions

What type of incidents does product liability insurance for craft vendors cover?

Product liability insurance covers incidents where a customer is harmed or injured by a craft vendor’s product. That can include bodily injury, property damage, or financial loss caused by a product’s defect, manufacturing error, or failure to warn of potential risks.

Do I need commercial property insurance if I only participate in craft shows seasonally?

Yes, it’s wise to have commercial property insurance, even if you only participate in craft shows occasionally or seasonally. Your business assets, such as inventory and equipment, are still at risk of damage or loss; replacing these items can be significant.

Do I need general liability insurance if I only sell low-risk products?

Yes, general liability insurance is essential even if you sell low-risk products. Accidents can happen anytime, and customers can still suffer injuries or property damage, even from seemingly harmless products.

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Ready to start? Let’s get a quote!

Get a free craft vendor liability insurance quote quickly and easily through Zensurance.

Fill out our online application and answer a few questions about your business. Our friendly, experienced brokers will shop our partner network of over 50 insurance providers to find the low-cost policy you require and tailor it to suit your needs.

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