Farmers Market Insurance

Save up to 25% on farmers market vendor insurance.*

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Farmers market insurance can help protect you from

Injury or illness liability

A customer slips at your stand or claims your product made them sick – and asks you to cover their medical costs.**

Equipment breakdown loss

A fridge or generator fails and your entire product inventory is at risk.

Property damage costs

A fire, burst water pipe, storm or power outage damage your business equipment and inventory and it needs to be replaced.

The costs of a legal defenses

You need an attorney to defend your business in a lawsuit after a claim.

Get farmers market insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Farmers market vendor insurance can help protect you, your business and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in farmers market insurance for vendors

Farmers market event insurance is usually several types of insurance policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for farmers market vendors

Protection for the injuries, accidents and damage you cause

Farmers market liability insurance is often a requirement for most markets and events to set up and sell. General liability coverage could help with financial protection if someone other than an employee gets hurt while at your stand (known as bodily injury in insurance), or if you or your employees are responsible for damaging property that doesn’t belong to you.

general liability can help you pay for:

Medical expenses if a customer is injured at your booth

Damage you cause to property you don’t own

Legal fees and settlements if your business is sued

Claims related to personal or advertising injury

Commercial Auto insurance

For business owners who own or drive vehicles

Most states require auto liability insurance for farmers market vendors and 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 to your markets.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers’ Compensation insurance

For vendors who hire full-time or part-time employees

Workers’ comp insurance is required in most states when you hire your first employee. This type of business insurance coverage could help cover medical costs and lost wages if an employee is injured while working at your booth. For farmers market vendors, this could include injuries from lifting heavy boxes, setting up tents or handling equipment.

workers compensation can help you pay for:

Medical expenses related to a work injury or illness

Lost wages during recovery

Employer liability

Commercial Property insurance

Protection for your equipment, inventory and supplies

Commercial property insurance could help protect the product inventory and business gear you rely on to run your booth — from tables, tents and laptops to inventory and perishable goods. If your property is damaged by a covered event, such as a fire, theft, vandalism or storm, this coverage could help with costs and help with lost income while you recover. Some exclusions may apply, so be sure to review your policy.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income if you can’t operate after a covered event

Ongoing expenses during recovery

Product Liability insurance

For business owners who make or sell products

Product liability coverage — included in ERGO NEXT’s general liability insurance for farmers market vendors and sellers in food production — could help cover costs of injuries, damage and legal fees related to the products you make or sell. If one of your customers asks you to cover their medical bills after they claim an allergic reaction to your soap, this policy could help.

product liability can help you pay for:

Repairs if a defective product damages someone else’s property

Medical costs if a defect with your product causes injuries

Legal costs if someone takes legal action around a defect with your product

ERGO NEXT Insurance reviews

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.

Save up to 25% in discounts on farmers market vendor insurance

Pay monthly or annually, and you can cancel 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

How much does farmers market insurance cost?

Business insurance for farmers market vendors is more affordable than you might think. The exact price you’ll pay for your business insurance depends on a number of factors, including:

The type of products you sell (e.g., food, produce, crafts).
The size of your booth and how often you sell.
Your business location and where you operate.
The number of employees you have.
Your annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

If you want to see how much farmers market vendor insurance will cost for your business, check our prices. In about 10 minutes you’ll see your exact cost for tailored coverage for your business.

How can farmers market insurance help your business?

Farmers markets often require vendors to have insurance due to the risk of injury to customers and damage to venue property. You might need insurance to:

Sell at farmers markets. Market organizers and local governments usually require proof of insurance (called a COI) before they’ll rent a booth to you.
Protect the business property you own or rent. The products you make or sell, your business inventory and equipment and the workspace you lease or own might need help after a covered event like a fire, theft or storm damage.
Shield you from product liability. You could be held responsible if a product you make or sell causes harm or illness to a customer.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.

Farmers market insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

How much is small business insurance for farmers markets?

The cost of insurance for farmers market vendors or special event sellers varies on a number of factors, including the size and location of market where you want to sell, if you have employees, venue requirements and the type of vehicles you use for work. The best way to know what your business will pay for farmers market liability insurance and other types of business insurance coverage is to get a free, no-obligation quote. In about 10 minutes you’ll see your exact price on recommended policies tailored for your business.

Do I need insurance to sell at a farmers market?

Yes, farmers market insurance can be a requirement of the venue or farmers market association before they’ll let you set up a booth and sell to the public. In addition, other types of business insurance may be required for you to grow your business. In most states, workers’ comp is a requirement before you can hire employees (even part-time). Property insurance may be required to rent a warehouse or storage shed. And commercial auto coverage is also mandatory in most states for business driving.

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

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, 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 do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.