Farmers Market Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

Business Owner’s Policy

Business Owner’s Policy

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Workers’ Compensation insurance

Workers’ Compensation

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General Liability Insurance

General Liability

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Commercial Property insurance

Commercial Property

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Other Coverages

Other Coverages

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Farmers market insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the farmers market insurance coverage you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

  • General liability
  • Commercial auto
  • Workers’ compensation
  • Commercial property
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for farmers markets and save up to 10% when you bundle two or more of our policies.
General Liability

General Liability

Protection for the injuries, accidents and damage you cause
General liability insurance, also known as farmers market public liability insurance, covers a wide range of farmers market accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by venues and local governments.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Most states require commercial auto insurance for farmers market business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you drive for business reasons, such as transporting produce or equipment for your markets.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your farmers market equipment, inventory, spoilage and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses

What customers say about us

Just signed up

So far, so good.

Monique B.

Farmers mkt insurance

It was easy to get set up and and to make a change after initial policy sset up.

Cynthia B.

Fast and easy way to

Fast and easy way to get our general liability insurance. Very helpful staff.

Doriedee M.

Got you Covered

So EZ to sign up & so EZ to add additional insured. Monthly payments instead of paying entire year up front with no additional charges for the convenience. Totally recommend NEXT!!...

Daniel V.

Awesome customer service!!

The entire Next Insurance team are allstars! Nothing except first class service. Thinks that pretty well sums up my personal experience. James Langwell

James L.

Fast and effective

Good job

Randy S.

Good insurance coverage

The insurance was easy to purchase and Next gives excellent customer service.

Mary M.

Super easy and convenient to

Super easy and convenient to set up!

Dave L.

Quick and Easy

Obtaining insurance is quick and easy. No hassles and at a great price

Tony M.

Just signed up

So far, so good.

Monique B.

You can save up to 25% in discounts on farmers market insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does business insurance cost

How much does farmers market insurance cost?

Farmers market vendor insurance costs vary based on the risks that your business faces, such as:

  • The size of market you work at or run
  • Where your market is located
  • If you have any employees
  • The type of vehicles you use for work

Learn more about farmers market insurance costs and coverage.

Everything you want to know about Insurance

Farmers market insurance requirements

Farmers markets are almost always required to have insurance due to the risk of injury to customers and damage to venue property. You might need insurance to:

  • Start selling products. Property owners and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
  • Hire employees. Most states require workers’ compensation.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Tips for farmers market businesses

Resources for farmers market business owners

We know there are hundreds of things to keep track of when you run a food service business, so we’ve curated these helpful checklists and tips for farmers market businesses to protect and grow your food business.

Frequently asked questions about business insurance

Here are some of the most common questions we get about liability insurance for farmers market vendors and managers. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect farmers markets?

Our affordable farmers market insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

You accidentally shatter a glass door while transporting a table. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A customer slips and falls at your market. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

You strain your back while setting up heavy street barriers for an outdoor market. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.

Injuries and damage involving your business vehicles

A vendor tent blows over in the wind and scratches a customer’s vehicle. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

Your farmer’s market space flooded during heavy rains, leaving most of your equipment damaged. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a consultant business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
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More professions that are covered by NEXT

Bakery, Butcher Shop, Catering, Coffee Shop, Farmers Market, Food Cart, Food Truck, Grocery Store, Personal Chef, Restaurant
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.