Vendor Insurance

You can save up to 25% in discounts with instant coverage.*

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Customized coverage to help you meet vendor insurance requirements

NEXT makes it fast, easy and affordable to get the vendor insurance you need tailored for your business.

Whether you’re selling crafts, serving coffee or something else, we can help you get just the right coverage to protect your business and give you the credentials to sell.

In about 10 minutes you can get a free quote, buy online and get shareable proof of insurance at no extra cost.

Note that NEXT does not sell one-day vendor insurance policies.

NEXT has tailored vendor liability insurance for all types of vendors

Choose your profession for more information or start an instant quote to get covered fast

Food Vendor, Craft Vendor, Catering, Farmers Market, Food Cart, Food Truck

How much does vendor insurance cost?

Pricing for vendor insurance varies based on a number of factors, including:

  • Your type of business
  • Your business structure (sole proprietor, LLC, corporations)
  • Your business location
  • The number of employees you have
  • Your claims history
  • Revenue or business income
  • The coverage limits and deductibles you choose

With NEXT, you can save up to 10% in discounts when you buy more than one policy.

What can vendor liability insurance cover?

Business insurance can help protect vendors against losses after a wide range of unexpected incidents and accidents, including:

  • Bodily injury
  • Damage to your inventory
  • Property damage to your property or someone else’s
  • Medical expenses for customers, employees or yourself
  • Theft, burglary and vandalism
  • Equipment failures
  • Business vehicle collisions

Vendor insurance that’s fast, easy and affordable

Customize your insurance coverage to help protect yourself and your business.
Business insurance in less than 10 minutes

Fast

Get covered online in about 10 minutes and get 24/7 access to your policy.

Easy monthly payments

Easy

Set up monthly or annual payments, and get unlimited proof of insurance at no additional cost.

Get business insurance online

Affordable

Competitive rates for coverage, and you can save up to 25% in discounts.

Types of vendor liability insurance

Vendors often select several types of small business insurance policies for a broader scope of protection, including:
We typically recommend:
General Liability insurance for vendors

General liability coverage is often required by venues where vendors sell their goods and services.

Vendor liability insurance can help provide financial protection for some of the most common accidents a vendor might face. This can include things like accidental property damage that you cause and customer slip-and-fall injuries at your place of business.

Learn more about general liability insurance
Workers’ Compensation insurance for vendors

A workers’ comp insurance policy is required in most states if you have employees.

It can help with the cost of work-related accidents and injuries for your employees, and you have the option to add yourself. Coverage can help cover medical bills and lost wages while recuperating and more.

Learn more about workers’ comp insurance
Commercial Auto insurance for vendors

Most states require a commercial auto policy for business-owned vehicles to help cover medical expenses and property damage after an accident.

Personal vehicle insurance typically does not cover you if you have an accident while driving for work.

Learn more about commercial auto insurance
Commercial Property insurance for vendors

Commercial property coverage can help protect your business property against damage and theft, including your inventory, supplies, equipment and any commercial buildings you use to run your business.

If you have expensive gear or products, you may want to consider this policy to help cover the cost to repair or replace your business property.

Learn more about commercial property insurance
Product Liability insurance for vendors

Product liability coverage — included in NEXT’s general liability insurance — can help protect your business if one of the products you make or sell hurts someone or causes damages that cost someone money.

The more you sell, the greater your need for product liability insurance to help cover the cost of property damage, injuries and legal fees.

Learn more about product liability insurance

NEXT customer reviews

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.

Vendor insurance FAQ

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

What do I need to get an insurance quote online?

It takes about 10 minutes to get a 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 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.

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’ll contact you shortly to go over the details. Our support team is standing by to help.
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NEXT is part of the ERGO Group, a Munich Re company.

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.

* 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.

** 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.

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 March 21, 2025. 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.