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.

Marcel Deer - Writer for NEXT Insurance
By Marcel Deer
Kelly Hendrickse - editor for NEXT Insurance
Edited by Kelly Hendrickse
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

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.

General Liability insurance

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.

Commercial Property insurance

This insurance can help cover damage to your business property, including:

Commercial Auto insurance

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.

Workers' Compensation insurance

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
  • Retraining

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.

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