The local art fair just accepted you as a vendor — congrats! But the organizers say you need proof of insurance to finalize your spot. How much will this set you back?
Quick answer: With ACT Insurance, you can secure proof of insurance starting at just $49 for your event.
Keep reading to learn more about event insurance costs and how to get covered fast, so you can get back to the fun stuff, like planning your dream booth display!
Event Insurance Costs for Creators
ACT offers event insurance through our ACT Go policy. Pricing is based on how many days of coverage you need.
🎨1 – 3 days: $49
🎨7 days: $99
🎨90 days: $149
No haggling or obscure costs with ACT. Event insurance pricing is as clear as the glossy varnish on your signature works.
Pro Tip: Psst! Do you attend more than five events a year? Annual event coverage is a better value for you — get it through our comprehensive policy, ACT Pro!
What’s Included in the Coverage Cost
So, what does the event insurance cost for art and craft vendors actually get you?
Peace of mind, to start with! Plus:
General Liability Insurance
General liability insurance is designed to cover accidents that happen at your booth, like customers tripping over uneven pavement or having their property damaged.
There are countless ways a third party (anyone interacting with your business) might get hurt while visiting your vendor booth. General liability insurance is a safety net for these what-ifs; it steps in to cover expensive claims so you don’t have to pay out of pocket.
Some examples of claims it covers:
🩼A customer slips and falls at your booth, spraining their ankle
📱A heavy sculpture falls over and shatters a customer’s phone
💨A gust of wind sends your booth flying into another vendor’s, damaging their products
Event insurance is often used interchangeably with general liability insurance — it’s the standard coverage organizers require because it helps keep the event safe and fun for everyone.
Event Property Damage Coverage
Event property damage coverage, also known as damage to premises rented, pays for damage to your rented vendor space caused by your business.
It helps cover:
🕯️A wax warmer malfunctions and causes a small fire
🔨A metal piece tips over and leaves a hole in the venue’s wall
🪝Hanging decorations fall and take down multiple ceiling tiles
After seven days, this coverage is limited to fire damage.
Medical Expense Coverage
Medical expense coverage helps pay for injuries that happen to someone — usually a customer — at your booth, even if you’re not at fault.
It’s meant to quickly take care of the injured person’s medical bills so the situation doesn’t escalate into a dreaded lawsuit. Having this coverage in place shows you can get a customer the help they need (without too much drama).
It helps cover a scenario like:
💰A customer trips over your display rug and requires stitches on their knee. Medical expense coverage kicks in to cover their urgent care costs.
Pro Tip: Ever wondered what would happen if your products accidentally injured a customer after the sale? Product liability insurance is designed to cover just that! Available through ACT Pro.
Factors That Affect Artist and Crafter Event Insurance Costs
Factors that typically affect how much event insurance costs for art and craft vendors are:
- The type of event, such as a juried art show vs. a local farmers market
- The event location — certain states have specific rules to consider
- How long the event goes for (just one day or an entire month?)
- How many people will be there — higher attendance, more risk
- The type of products you sell (some crafts are considered higher risk)
- Number of additional insureds, like event organizers + venues
But scratch all that. With ACT Pro, the only thing that impacts your policy’s price is how long you want coverage for: 1–3 days, 7 days, or 90 days!
What Crafters Like You Pay for Event Coverage
Emi
Embroidery Crafter
Attending a summer art festival for one weekend only
🏷️$49 worry-free attendance with ACT Go
Marco
Ceramicist
Vends at multiple events throughout the year
🏷️$24.25/month with ACT Pro
Artist Event Coverage Cost Comparison
| Insurer | Starting Cost | Coverage (Per Claim / Total Available) | Additional Insureds |
|---|---|---|---|
|
ACT Go |
✅ From $49/event |
✅ $1 million / $2 million |
✅ Free and unlimited |
|
ACT Pro |
✅ From $24.25/month |
✅ $1 million / $2 million |
✅ Free and unlimited |
|
Thimble |
From $115/event |
$1 million / $1 million |
Available |
|
Eventsured |
From $102.02/event |
$1 million / $2 million |
Available |
|
Progressive |
From $101/event |
$1 million / $2 million |
Available |
Information based on online quotes received in June 2025.
What to Look for When Comparing Event Insurance Costs
When shopping for event insurance, look for:
✅ Affordable pricing
✅ High coverage limits
✅ Unlimited additional insureds
✅ Designed for artists and crafters
✅ Easy, quick proof of insurance
✅ Portable protection that moves with you
ACT Go checks all the above boxes, providing you with top-rated coverage at the most affordable rate on the market.
Plus, your online Certificate of Insurance (COI) is available right after checkout, so you can quickly send that off to organizers and get event-ready in no time.
ACT Insurance: Your Ticket to the Event
You don’t have to overspend on insurance coverage to get your arts and crafts into an event. The best part? With ACT, you’re getting comprehensive coverage at the best price. It’s a win-win for any creative looking to attend events.
If you’re ready to secure your vendor spot, click below to get event coverage and share your one-of-a-kind creations with real peace of mind.
FAQs About the Cost of Artist Event Insurance
What Is the Average Cost of Event Insurance for Crafters?
Is Event Insurance for Art and Craft Vendors Worth It?
Can you pay a $100K lawsuit on your own? Most artists and crafters can’t — but a single customer injury or property damage claim can rack up big numbers that threaten to put you out of business.
Getting event insurance gives you peace of mind to vend your creative goods, knowing you’re covered if something goes wrong. So yes, totally worth it!
Can I Get Event Insurance for a One-Day Event?
JoAnne Hammer | Program Manager
JoAnne Hammer is the Program Manager for ACT Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
JoAnne Hammer is the Program Manager for ACT Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
