Do I need insurance to sell at a farmers market?
Find out which policies are recommended to help protect your business if you're selling at a farmers market.
Updated May 29, 2023.
Operating a farmers market booth could make you liable for any damages, injuries or illnesses that may occur because of your business or products. Farmers market business insurance can help protect you from financial losses, and it might be required by market organizers.
» Find out the benefits of a food handlers certificate
What types of insurance do I need for a farmers market?
Depending on the circumstances of your business, there are a few policies you can look at.
This coverage can provide financial protection from the following:
- Third-party bodily injury
- Repair costs for property damage
- False advertising
- Legal or defense costs due to a claim
Plus, some organizers and farmers market leasers may require you to have coverage to protect them from liability.
This insurance can help cover damage to your business property, including:
- Equipment damage
- Inventory spoilage
- Building damage
- Business income interruption caused by temporary closure for covered damage repairs
Commercial auto is helpful if you own or drive vehicles with your products to the farmers market. It can provide assistance for:
- Damages and injuries from work-related car accidents
- Towing, rental reimbursement, repairs and more
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage.
This coverage is a legal requirement in many states if you have employees. It can help cover:
- Employee injuries that happen while working at the farmers market
- Lost wages
- Medical fees
NEXT's way to help protect farmers market sellers
With NEXT, you can get affordable and customized farmers market insurance suited to your needs. To view your options, simply apply online and get an instant quote in less than 10 minutes. Once you've got your coverage, you instantly get your certificate of insurance to share it 24/7 with the NEXT app.