Crafters Insurance

Apparel / Clothing Maker Insurance

Coverage intended for crafters and makers — handmade goods, online sellers, and craft-fair vendors.

What this coverage is intended to address

✓Third-party bodily injury and property damage at craft fairs and shows
✓Product liability for handmade goods sold
✓Damage to inventory and supplies (when scheduled on the policy)

Important: Coverage terms, eligibility, and pricing are determined by the carrier and vary by state and individual circumstance. The information on this page is general and educational — nothing here implies, affords, or offers any specific insurance coverage. Review the actual policy form and consult a licensed insurance professional before binding.

Coverage products commonly considered

Most apparel / clothing maker operations consider one or more of these coverage types:

General Liability

Product Liability

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

A customer alleges a handmade product caused injury or allergic reaction. Product liability is generally intended to address allegations of this nature.
A craft-fair display collapses and damages a neighbor booth's inventory. General liability is intended to respond in the event of a covered claim.

Frequently asked questions

Do I need insurance to sell on Etsy or at craft fairs?

Etsy and Amazon don't generally require sellers to carry insurance, but craft fairs and farmers markets often do. Insurance is also generally intended to protect against product allegations.

What about food-related handmade goods (jams, soaps with food-grade ingredients)?

Food and consumable products carry different risks than non-edible crafts. Some carriers exclude or require a separate endorsement for food/consumable items.

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