Selling Your Craft
The Business Side of Selling Your Craft...

The Business of Selling Crafts

Accepting Credit Cards at Craft Shows

Copyright Law for Crafters

Licensing Your Craft Designs

Insurance for Craft Business

Craft Show Press Release

Promoting Your Craft Business

Finances for Crafters


The Small Business Start-Up Kit: A Step-by-Step Legal Guide


Insurance and Your Craft Business

Did you know that your homeowner's insurance won't cover theft or loss for your craft business? When your craft is a hobby, it is covered, but the instant you take the step into turning your craft into a business, you will no longer be covered.

In some cases, by running a business in your home and not informing your insurance company can also cause your regular homeowner's insurance to become invalid, meaning if your house burns to the ground, your insurance company would not have to pay on the claim.

You should first contact your insurance company. Often they have riders that can be added to your homeowner's insurance that will cover your craft business.

You should cover all supplies, tools, equipment, and inventory of completed items.Think about everything you use for your business. Do you use your computer, printer and fax machine for your craft business? Be sure to include those too. You should ask about how your insurance will cover inventory fluctuations. In November, your inventory will likely be much higher than it would be in the first week of January, if you do a lot of holiday craft shows. With this kind of coverage, your monthly insurance rate will change, and you will have to report on inventory changes to your insurance company each month.

Like with all businesses, rates can widely vary. If the insurance coverage quote seems high from your regular insurance company, it would pay to shop around. Some companies even cater to those who run home and small businesses. Your savings can be significant just by making a few phone inquiries to competing insurance companies. Getquotez is the fastest most convenient way to get free auto and home insurance quotes! Try it risk free today!

Important Insurance Issues

(By Susan West - Courtesy of

  1. Some shows may require liability insurance. Check with the promoter of the shows and with your insurance agent. Before shopping for insurance, put some thought into what you want/need to know. Insurance coverage can be for liability or liability and property. Regular homeowner's insurance in most cases will not cover any inventory, materials, equipment, etc. that you use for your business. You need to consider what you want covered.

    Do you want coverage for:
    • Finished work, raw materials, tools, equipment, work in progress
    • At home/studio, at craft/trade shows, in transit
    • Loss/damage from fire, flood, storms, theft, vandalism, etc.
    • Product liability, bodily injury, property damage, personal injury, advertising
    • At main place of business, landlords (craftmalls/shops,etc.), show promoters - do you wish to have them named as additional insureds?
    Be sure that your product is:
    • Insurable
    • Complying with state and federal health and labeling laws
    • Has the proper disclaimers built into your labels

The best thing to remember is to do your research into the necessary issues with your town and state. Good luck with your business!


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