Vendor Insurance Cost

Get same-day coverage at an affordable price with Insurance Canopy.

Options from 1-90 Days of Coverage

Starting at

^$49/event

Types of Vendors We Insure

Vendor insurance has you covered for any business-to-business (B2B) or consumer-facing event, whether you operate from a booth, kiosk, stall, or stand.

General Vendors & Exhibitors

Artists & Crafters

DJs & Entertainers

Food & Concessions

Liquor Vendors

Photographers & Videographers

Additional types of vendors we cover are mobile vendors, beauty and body artists, pop-up shops, booth holders, virtual vendors, and CBD vendors.

How Much Does Vendor Insurance Cost?

The cost for Vendor Insurance can be as low as $49 per event*, while an annual policy starts at $18.50 per month**. The final price can vary depending on factors like the nature of your business, where you operate, and the size of your operation.

* The lowest pricing is based on Arts and Crafts policies.
** The $18.50 per month pricing is based on DJ and Entertainers policies.

Factors That Influence the Cost of Your Policy

A few things can impact the final cost of your policy, so it’s important to weigh your options to make sure you’re getting the most bang for your buck.

Annual vs. Event Insurance

If you only work one or two events a year, a short-term policy is probably a good fit for your business and budget. However, if you sell your products or services at several events per year, an annual policy may be the more cost-effective choice.

Optional Coverage

With the annual policy, you can include additional coverage options — such as cyber liability or tools and equipment insurance — which will cause your premium to increase.

Your Location

Vendor insurance rates can vary depending on your state. Carriers determine the final cost based on risk factors like weather conditions, local laws, and crime rates.

The Size of Your Business

Vendor insurance premiums have a tiered structure based on a business’s gross sales. Higher sales mean a higher volume of customer interaction and activity, and as a result more risk, which causes premiums to increase.

How to Choose the Right Coverage for Your Business

Your business is unique, so it’s important to choose the right vendor insurance to suit your needs and budget.

A short-term policy may be the perfect choice if you only work a few events a year. A wedding DJ who has a couple of receptions scheduled or a crafter who rents a booth at the harvest festival once a year can protect themselves with short-term coverage.

On the other hand, if you attend multiple events each year, an annual policy is more cost-effective. For instance, if you’re a food truck vendor following the fair circuit or a stadium concessionaire, an annual policy covers you throughout the year without needing to purchase a new policy for each event.

If you choose an annual policy, you may also want to get additional coverage for claims beyond third-party injuries and property damage. Options include:

While these options can increase your overall vendor insurance costs, they could save you on out-of-pocket expenses if you need to make a claim.

FAQs About the Cost of Vendor Insurance

What is a Vendor Certificate of Insurance (COI)?

A vendor Certificate of Insurance (COI) is a document that proves you have insurance, what it covers, and what your limits are. Many event operators require you to submit a copy of your COI to confirm you have the necessary coverage. Also, many will ask to be added to your policy as an additional insured.

Does the Cost of Vendor Insurance Cover My Equipment?

No — basic general liability insurance does not cover your business equipment, it only covers third-party and property damage claims. But if you have an annual policy, you can get Tools, Supplies, and Inventory Coverage (aka Inland Marine Insurance) to cover your equipment, tools, and stock.

How Much Does One-Day Vendor Insurance Cost?

The cost of a one-day vendor insurance policy starts at $49. Your actual cost may be higher depending on where you operate, how much you make, and what kind of business you run.

Why Choose Insurance Canopy for Your Vendor Insurance?

At Insurance Canopy, we strive to make insurance as quick and painless as possible, so you can get covered and get to work. We offer affordable, customizable coverage to fit just about any business and budget.

Cover Your Business Today

Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.