Artisan and Crafter Insurance

Artisan and Crafter Insurance

Comprehensive coverage for artisans and crafters to protect their finances and reputations from damages, losses, and legal threats.

Zensurance - Artisan and Crafter Insurance

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Business insurance for artisans and crafters

Creating handcrafted items or artworks using their skills, creativity, and expertise, artisans and crafters produce unique, high-quality, and often one-of-a-kind products carefully designed with a focus on craftsmanship. They play a significant role in preserving traditional craftsmanship, cultural heritage, and artistic traditions, and their work often embodies a sense of authenticity and individuality that sets their goods apart from mass-produced products. 

These talented craftspeople produce unique goods, such as woodworking, pottery, jewellery making, textiles, glassblowing, metalworking, painting, sculpture, and many others. 

Like all professions, these talented makers face many potential liability risks that require the protection of a comprehensive artisan and crafters insurance policy.

Artisan and crafter insurance is a customized policy featuring several coverages designed to shield arts and crafts makers, whether for an individual craftsperson creating handmade goods or a small business owner producing a range of specialized products. 

It protects against various risks, including product liability, third-party bodily injuries or property damage, professional negligence, and cyber liability.

An artisan and crafter insurance policy may include the following types of coverages:

  • Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers individual artisans and small business crafters from potential third-party bodily injury and property damage claims caused by their creations. It also includes tenant’s legal liability coverage to repair or replace others’ property you rent or occupy that is accidentally damaged, such as a booth at a street festival or farmers’ market.
  • Commercial Property Insurance: Commercial property insurance is designed to cover your workspace, studio, or home office and your furnishings, inventory, electronics, and other business contents if damaged by fire, water, a natural disaster, theft, or vandalism.
  • Product Liability Insurance: Product liability insurance is must-have protection for all artisans and crafters. It protects you against claims alleging third-party property damage or bodily injury caused by any product you manufacture, distribute, or sell in-person or online. Although it’s typically included in a CGL policy, you can add it as an endorsement or rider if it isn’t.
  • Cyber Liability Insurance: Cyber liability insurance is crucial for all small business owners and self-employed, independent professionals, as no one is immune to the threat of a cyber-attack or data breach that affects your operations and compromises your customers’ privacy and security. It provides financial support if you suffer a cyber-attack or data breach, with coverage for legal advice, crisis management, and credit monitoring services. If you have a website, use email, have a point-of-sale (POS) system, or store customer data in cloud storage, you need cyber liability insurance.
  • Event Liability Insurance: Also called special event liability insurance, this type of coverage is designed for hosts or organizers of events such as arts and crafts festivals to cover them for third-party bodily injury and third-party property damage. For instance, if you organized an arts and crafts street festival, and an attendee at that festival trips over an extension cord at one of the booths and is injured, event liability insurance may cover their medical expenses.

Different insurance providers charge various amounts for an artisan and crafter insurance policy based on your business’s details, including:

  • Your location
  • The products you create, sell, and distribute
  • How and where your products are sold or distributed
  • Your years of experience
  • Your annual and gross projected revenue
  • The value of your assets and property
  • Your insurance claim history

Getting insured is quick and easy!

Complete our 5-minute online application for a free craft liability insurance quote.

Common claims scenarios

Pottery Product Liability

Problem: A piece of pottery you created and sold is defective and causes physical injury to a customer. The customer files a claim seeking compensation for medical expenses and lost wages resulting from the defective product.

Outcome: Your product liability insurance may cover the injured customer’s medical expenses and lost wages.

wood crafter liability

Problem: You’re hired to restore an antique piece of furniture but inadvertently damage it during the restoration process. The customer files a claim to recover the value of the damaged item or the cost of repairs.

Outcome: Your commercial general liability insurance may cover the damages to the antique.

online craft store

Problem: A craftsperson’s online store is hit by a cyber-attack, resulting in a data breach and unauthorized access to customer information. The affected customers file claims for potential damages, identity theft, or fraudulent activities arising from the breach.

Outcome: Cyber liability insurance may cover the affected customers’ credit monitoring expenses, damages, and your legal fees.

Frequently asked questions

Is artisan and crafters liability insurance required by law?

The requirement for artisan and crafters liability insurance can vary depending on your location and the nature of your business. In some cases, certain venues, markets, or events may require a certificate of liability insurance to participate. Even if it’s not legally mandated, having insurance is highly recommended to protect your profession and personal assets.

Do I need artisan and crafters liability insurance to sell my products online?

Yes. While online platforms provide a convenient way to reach customers, you still face potential risks and liabilities, such as product defects, copyright infringement, or data breaches. Artisan and crafters liability insurance can help protect you from financial losses associated with these risks.

Can artisan and crafters liability insurance cover claims arising from past work?

Artisan and crafters liability insurance typically covers claims that arise during the policy period. However, some policies may offer limited coverage for claims resulting from past work, known as retroactive coverage. Speak to a Zensurance broker if you have questions about retroactive coverage.

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Ready to start? Let’s get a quote!

Get the confidence and peace of mind you deserve to support the unique, handmade products you create and sell with a customized artisans and crafters insurance policy from Zensurance.

Fill out our online application for a free quote. Our friendly brokers will shop our partner network of over 50 Canadian insurance providers to get the low-cost protection you need, advise you on the coverages and coverage limits you require, and tailor it to suit your business.