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For vendors · InsuranceHow much is craft fair and vendor insurance?
Vendor liability insurance for craft fairs and markets is commonly sold as an annual policy, and some insurers also sell one-day event coverage. Published prices from 7 insurers are below, most with $1 million per-occurrence coverage. Ask the organizer which limits and additional-insured wording they need before you buy.
Updated November 15, 2026.
Published prices
Copied from each insurer's own site on November 15, 2026. Prices change and depend on what you sell; get a quote.
| Insurer | Price | One day / event | Coverage |
|---|---|---|---|
| ACT (Artists & Craftsman Insurance) ACT Pro annual craft vendor liability; ACT Go per-event | $279/year or $24.25/month (curated sellers $379/year; handmade beauty $515/year) | ACT Go: $49 for 1-3 days; $99 for 7 days; $199 for 90 days | $1M each occurrence / $2M general aggregate; ACT Go excludes products-completed operations |
| Insurance Canopy Crafter liability insurance, annual or per event | $279/year ($24.25/month for $0-$50,000 in annual sales; $33.42/month for $50,000-$100,000) | $49 for 1-3 days; $59 for 4 days; $99 for 7 days; $149 up to 90 days | $1M per claim / $2M aggregate |
| Insurance Canopy Farmers market vendor food liability, annual | $299/year or as low as $25.92/month | Food & concessions event policies start at $49/event (vendor insurance page) | $1M each occurrence / $2M aggregate; $2M products-completed operations aggregate |
| Insurance Canopy Vendor event insurance (vendors, exhibitors, crafters, food & concessions) | Annual plans offered, price not listed | Starting at $49/event (liquor vendors from $275/event); theft and damage add-on $54 | Limits not stated on page |
| FLIP (Food Liability Insurance Program) Cottage food business liability, annual | Starts at $299/year or $25.92/month | — | $1M each occurrence / $2M aggregate; $2M products-completed operations aggregate; no liability deductible |
| NEXT Insurance (ERGO NEXT) General liability for crafters | National average $35/month (as of October 2026) | — | Plans at $500,000 or $1M per occurrence |
| Insureon General liability for home-based cake and cookie bakers | $39/month or $465/year (median of policies bought through Insureon; page updated September 14, 2026) | — | $1M per occurrence / $2M aggregate |
Marketpay does not sell insurance or earn anything from these insurers. They are listed because they publish prices.
What organizers usually ask for
- General liability, often $1 million per occurrence.
- Product liability if you sell food or products people use on their skin.
- A certificate naming the market, venue or city as additional insured.
Add the insurance cost into the vendor break-even calculator. Booth fees: how much a vendor booth costs.
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Start freeCommon questions
How much is craft fair insurance?
Annual vendor liability policies from insurers that publish prices: ACT (Artists & Craftsman Insurance): $279/year or $24.25/month (curated sellers $379/year; handmade beauty $515/year); Insurance Canopy: $279/year ($24.25/month for $0-$50,000 in annual sales; $33.42/month for $50,000-$100,000); Insurance Canopy: $299/year or as low as $25.92/month; Insurance Canopy: Annual plans offered, price not listed; FLIP (Food Liability Insurance Program): Starts at $299/year or $25.92/month; NEXT Insurance (ERGO NEXT): National average $35/month (as of October 2026); Insureon: $39/month or $465/year (median of policies bought through Insureon; page updated September 14, 2026). Prices checked November 15, 2026.
Can I get craft fair insurance for one day?
Yes. Published one-day or per-event prices: ACT (Artists & Craftsman Insurance): ACT Go: $49 for 1-3 days; $99 for 7 days; $199 for 90 days; Insurance Canopy: $49 for 1-3 days; $59 for 4 days; $99 for 7 days; $149 up to 90 days; Insurance Canopy: Food & concessions event policies start at $49/event (vendor insurance page); Insurance Canopy: Starting at $49/event (liquor vendors from $275/event); theft and damage add-on $54.
Do I need insurance to be a vendor?
Many farmers markets, craft shows and festivals require general liability insurance from every vendor, often with the event or venue named as additional insured. Ask the organizer what limits they require.
How much is cottage food insurance?
Home bakers and cottage food sellers usually buy the same vendor general and product liability policies. Several insurers above sell food vendor policies; check that the policy covers food you make at home.
What is an additional insured certificate?
A certificate that adds the market or venue to your policy for the event. Most vendor insurers issue them free or for a small fee from their website.
More guides
- Craft fair vendor checklistEverything to pack for a craft fair or market, as a printable checklist.
- How much a vendor booth costsReal booth fees at farmers markets, craft fairs, state fairs and comic cons, plus booth sizes.
- Vendor break-even calculatorBooth fee, insurance and gas against your margin: how much you need to sell to come out ahead.
- Are craft shows worth it?How to judge a show before you pay the booth fee, and what to track after.
- How to have a successful vendor boothSetup, pricing, talking to shoppers and follow-up that turn a booth into repeat sales.
- Vendor booth ideas and displaysLayouts, displays, height, color and small touches that make a 10x10 booth stand out.
- Vendor booth lightingLighting a booth at night or at a craft show with no electricity.
- Vendor booth signs and bannersWhat your banner, price signs and payment signs should say, and what sizes work.
- Cottage food laws by statePermits, sales caps and label rules for selling homemade food in all 50 states and DC.
- Can I sell it?Permit answers for baked goods, lemonade, coffee, dog treats, crafts and more.
- Food truck permits by stateWho issues them, what they cost and how long they take.
- Find a farmers market7,000+ markets by state and city.
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