As part of the FAFM vendor rules and guidelines, vendors are required to maintain their own insurance for accident or injury caused by any of your products or equipment.

 

As thankful as we are that accidents are rare, they do occur. A shade canopy may be taken by the wind and land on a neighboring vehicle. Glass jars or decor may break and cut a guest. Prepared foods may cause illness or allergic reaction despite our best efforts to keep things clean and safe.

Having insurance is a best practice to protect yourself as well as others you encounter.

How to find the insurance that is right for you.

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Insurance needs can be largely dependent on not only what type of product or service you offer, but also what equipment you use, and even where and how often you vend.

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OPTION #1 - If you are running a small business based out of your home, you may wish to begin by contacting your current home insurance company. Often times, your home insurance provider can offer a discounted bundle for you.

OPTION #2 - If you do not regularly vend, and are simply looking to try it out, "event" insurance may be a good fit for you. An agent of your choice should be able to assist you in knowing what they can provide and advise if this would be a good fit for you.

OPTION #3 - Search "Crafter/Vendor Insurance."  Insurance has come a LONG way in recent years with online servicing. Most can now find, sign up, and print or download proof of insurance all in the same day. There are MANY options that abound for vendor purposes. We are currently collecting a list of low cost or highly recommended insurance providers from our vendors. If you have a recommendation you would like to give testimony on, please let us know so we can add it to our list of resources.

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How Much Should I Expect to Pay?
 

Vendor insurance should not be especially expensive, however, this does highly depend on what type of business or items you are vending, as well as location. Hot Food vendors, or fresh meat vendors, which come with additional risks to public safety will be more expensive than vendors making quilts.

Premiums often run on average between $20-$30 a month.

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The lowest cost we have found at the moment (Searching in Early 2026) is through "Simply Business" online services.

Their premiums currently start at only $18 a month for our area.​​​​​

YOU CAN CLICK HERE TO VISIT THEIR SITE