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
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
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
Bought by 95% of business owners like you
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
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
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
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
How much does farmers market insurance cost?
Farmers market 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.
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.
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 can 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 could help pay for a replacement.**Accidents that hurt someone
A customer slips and falls at your market. Your general liability coverage could 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 can 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 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 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.
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.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
* 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.