Why do I need a crafters policy?

As a crafter, you create unique, handmade products that add warmth and character to people’s homes and lives. You put love and care into each object you make, and there’s nothing more enjoyable than knowing your clients feel a little more joy in their lives thanks to your artistry and your Etsy platform.

You deserve to craft with no worries. But when you’re working with specialized tools like sewing implements, kilns, and welders, there’s always the chance something could go wrong.

If a student reaches out to touch a piece of just-blown glass during an ornament-making workshop, they could burn themselves and end up in the ER. If you aren’t protected with artisan insurance, you could find yourself liable for their bodily injury.

You could also be held liable if a customer suffers property damage as a result of your crafting. If you’ve agreed to mend an antique sweater in advance of an auction and your cat goes to town on the yarn, your client could sue you for property damage, as well as lost income from the sale. In the meantime, you’d be responsible for your own legal costs.

This is why all crafters and artisans need general liability insurance and professional liability insurance. General liability insurance protects you from third-party claims of bodily injury, personal and advertising injury, and property damage. Professional liability insurance protects you from claims of negligence, errors, or mistakes related to your professional services.

Tie up your business’ loose threads. Protect yourself today with insurance for crafters so you can keep your focus where it belongs—on your crafts.

How much does insurance for crafters cost?

The rate for Thimble’s Insurance for Crafters is based on your business’ crew size, ZIP code, and the coverage limits you select. How do we make our insurance so affordable? You only pay for the length of coverage you need—pay by the hour, day, or month. On top of that, when you download the Thimble app, you can add Additional Insureds and get COIs on demand—all for free.

Get a Quote

Protect your business with flexible, on-demand or monthly insurance coverage from Thimble. Get your free insurance for crafters quote now.

What is covered under the Crafters Liability policy?

Thimble’s Insurance for Crafters—which includes general liability and professional liability—is arranged to protect you in situations like the following:

Bodily injury

You teach workshops using specialized tools that require safety precautions. Should a student injure themself under your supervision, you could find yourself liable.

3rd party property damage

You use a studio for your crafting, and clients often come to visit in expensive clothes. Should one of them ruin a purse or pair of shoes while you’re performing your professional services, you could be liable for the cost of a replacement.

Defense costs

Should a client sue you for damages in a scenario like the above, you could find yourself responsible for your legal fees while the case goes to trial.

Medical coverage

Should a client injure themself in your workshop, you could find yourself responsible for the cost of their treatment. Additionally, if you’re providing crafts at a fair or market and someone incurs an injury due to your services, you could be liable.

Errors & omissions

You create crafts for events and occasions. Should you fail to provide quality products before the date of an event, you could be accused of professional negligence and find yourself liable for your clients’ financial loss.

How quickly can I get a Certificate of Insurance?

Immediately. Download the Thimble app or click “Get a Quote” and purchase your policy in less than 60 seconds. Your Certificate of Insurance will appear in the Thimble app and your email inbox right away.

Are you hoping to rent a booth at a craft fair? In order to be approved as a vendor, the event manager will need proof of your craft vendor insurance. With fast, flexible coverage from Thimble, you can show your COI within seconds.

With Thimble, schedule your coverage to begin at any date up to six months in advance and download your Certificate of Insurance before your coverage terms begin. If you don’t end up moving forward with the gig, you can cancel your policy penalty-free up to 1 hour before your coverage is set to begin.

Need to make changes to your policy? No problem. You can add and modify your Additional Insureds as often as you need to, right from the Thimble app.

The company I work for already carries business insurance. Do I need my own insurance for crafters policy?

Yes. Even if you teach or craft for a larger company in any capacity, the coverage it carries applies only to the work you do for them.

As a small business owner, you need your own insurance for crafters. You may not know how your company’s insurance applies to the work you do for them. More so, you like making things. You want to guarantee that your small business is well-constructed and will last for a long time, just like your crafts. Without insurance, you leave yourself liable in the face of client and third-party claims.

To make your business last as long as your artisanal goods, general liability and professional liability insurance can sew up your liability for third-party claims of bodily injury or property damage.

What are the Insurance for Crafters policy limits?

With Thimble’s Insurance for Crafters, select a policy limit of $1 million or $2 million. Consider your business’ risk and needs: a $2 million limit provides extended coverage at an affordable rate.

Are workplace injuries of my staff covered?

No. General liability insurance only provides coverage for injuries to third parties, not to your employees. If you hire other crafters to collaborate, you may want to consider a workers’ compensation policy. This type of insurance provides coverage in the event of employees and subcontractors’ accidental injuries.

Does Thimble’s Insurance for Crafters cover damage to my equipment?

No. General liability insurance only provides coverage for damage to your clients’ property or a third parties’ property. If you have specialized tools for your craft, you may want to purchase a commercial property policy. If you have a car you drive just for work, consider an auto insurance policy.

How do I get Insurance for Crafters with Thimble?

With Thimble, ensuring your crafting business takes less than 60 seconds. Click “Get a Quote” or download the Thimble app and tell us a few details about your services, your ZIP code, and your desired coverage length (choose from hourly, daily, or monthly policies). We’ll generate an instant quote. Click to purchase and show off your brand-new Certificate of Insurance.

Get your insurance for crafters quote now.

Have questions? Visit our FAQ