Flea Market Insurance

business owners protected by flea market insurance

Set Up for Success With Flea Market Insurance

Your booth is stocked, your signage is up, and the market is buzzing. But what’s in place to protect you from the impact of an unexpected event? From securing your canopy against high winds to keeping your cash wrap safe during a busy market day, vendors face unique risks at every market. With flea market insurance, you can sell with confidence. 
 
Quote Today
business owners protected by flea market insurance

What Is Flea Market Insurance?

Flea market insurance is made up of different types of business insurance coverages to help protect you from various risks. Also known as flea market vendor insurance or flea market liability insurance, this coverage helps safeguard against common risks that could disrupt your business, including:
 
  • Personal injury, like if a shopper trips in your booth.
  • Property damage, like if wind knocks over your canopy and damages nearby booths.
  • Vandalism and theft, like if your cash box, Point of Sale (POS) system or inventory goes missing.

Why Might You Need Flea Market Insurance?

As a flea market vendor, insurance coverage helps protect your business from the risks you face every day. Whether you’re selling handmade crafts, vintage finds or specialty goods, there are unique challenges that come with setting up shop in ever-changing locations. From moving inventory to managing a busy booth, unexpected incidents can happen. Without insurance, you’d be left paying for expensive claims out of pocket.
small business owner protected by flea market vendor insurance

Who Needs Flea Market Insurance?

We designed our flea market insurance coverage with vendors like you in mind. Our coverage can help protect:
 
  • Flea market vendors
  • Pop-up booth owners
  • Artisan vendors
  • Craft vendors
  • Vintage resellers
  • Thrift vendors
  • Swap meet sellers

What Type of Insurance Do I Need as a Flea Market Vendor?

Many flea market vendors have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect you from common risks, like if an employee is injured during setup or someone swipes your inventory. This comprehensive policy helps protect you from claims of bodily injury or property damage.
 
A BOP includes: 
 
General liability insurance to help protect your business from claims that it caused bodily injury or property damage to others, like a customer, fellow vendor or passerby.
 
Commercial property insurance to help protect your owned or rented equipment, as well as tools, decor, inventory and supplies you use to operate your flea market booth. These can include:
 
  • Display tables and racks
  • Canopies and tents
  • Signage and banners
  • Inventory (vintage goods, handmade items, etc.)
  • Cash registers and mobile POS systems
  • Storage bins and shelves
  • Lighting equipment
Business income insurance to help replace lost income if you can’t operate your booth temporarily because of property damage caused by fire, wind, rain, leaky pipes, vandalism or theft.
 
At The Hartford, we know that no two flea market vendors have the same needs or face the same risks. We’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection, including:
 
Flea Market Coverage Made Fast and Easy
Whether you sell full time, part time or seasonally, get protection designed for businesses like yours.
Start Quote

How Much Does Flea Market Insurance Cost?

Flea market insurance costs vary because every business is unique. Some of the average costs The Hartford’s small business customers in this industry pay are:**
 
  • BOP: $2,744 a year, or about $229 a month
  • Standalone general liability insurance: $473 a year, or about $39 a month
  • Workers’ compensation insurance: $1,149 a year, or about $96 a month
It’s important to remember that the cost of your flea market insurance may be different than the average. That’s because every business has unique needs, and insurers may use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a quote.
small business owner happy to get coi for flea market vendor

Proof of Insurance on Your Time

Get your proof of insurance quickly and easily. We make it easy to access your certificate online 24/7.

Covering Your Operations

You know better than anyone that running a market booth involves far more than setting up your display. You’re continuously sourcing inventory, seeking out opportunities and finding new ways to grow your sales. Whether you’re a weekender or a full-time vendor, the right insurance coverage can help protect your operation. 
Customer injuries, slips and falls were the third-most common claim small business owners faced in 2025.1
general liability for flea markets

General Liability Insurance

“In the middle of a busy day at the market, a customer tripped over our tent weight, fell and broke her wrist.”
 
General liability helps cover claims that somebody got hurt at your flea market booth. It can help pay their medical bills or your legal costs if you get sued.
EPLI for flea markets

Employment Practices Liability Insurance (EPLI)

“A former part-time booth worker claimed they were unfairly fired by my business manager, even though they were let go for performance issues.”
 
Employment practices liability insurance (EPLI) helps protect you and your team from employment-related claims, like wrongful termination, discrimination and harassment. This coverage is included in a BOP, and The Hartford can help protect your business from claims filed by third parties, like customers or vendors.

Taking Care of Your Team

Whether you have employees or volunteers assisting at your booth, their safety is essential to your success. Accidents can happen, but carrying enough coverage means they get the support they need for medical expenses, lost wages and potential legal claims.
In 2023, over 2.3 million work-related injury cases were opened, with more than 946,000 resulting in days away from work.2
workers' compensation for flea markets

Workers’ Compensation Insurance

“While setting up our booth, my employee tripped and sprained her ankle. She needed treatment and time off from work.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages if they can’t work. With The Hartford, they also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto liability insurance for flea markets

Commercial Auto Insurance

“When we were parking at the market, another vendor backed into our van. The damage was significant, and the van had to go into the shop for a few weeks. We needed a rental to transport our inventory.”
 
Commercial auto insurance can help cover the costs of liability claims, medical bills and property damage resulting from a work-related accident.

Protecting Your Property

Your flea market setup is more than just products. It's display racks, lighting and all the details that make your booth stand out. But theft, accidents or property damage can put your business at risk. Whether it's stolen inventory on a busy market day or a vehicle mishap while transporting goods, having coverage can help safeguard your property.
Among small business retailers, 85% reported experiencing theft at least once a year.3
commercial property insurance for flea markets

Commercial Property Insurance

“I walked into my storage unit to prep for a show and found that most of my inventory had been stolen. Months of hard work and investment were gone overnight.”
 
Commercial property insurance helps protect your owned or rented equipment, as well as decor, tools, supplies and inventory you use to operate your flea market booth.
Contractors Equipment Insurance for flea markets

Business Income Insurance

“I have a permanent stall at a weekend flea market. When I got to my space one morning, my tables and stands were vandalized and broken. I couldn’t open my booth until it was fixed.”
 
Business income insurance can help replace your lost income if you can’t operate temporarily because of covered property damage.

Frequently Asked Questions About Flea Market Insurance

Insurance helps protect you from various claims that could come up during normal business operations. For example, if a customer knocks down a display and gets injured, general liability insurance can help pay their medical bills and your legal costs if they sue. Likewise, if one of your team members gets hurt on the job, workers' compensation can also help pay their medical bills and lost wages. Additional coverage, like commercial auto insurance, can also help protect you and your vehicles if an accident happens while you're headed to a market or moving merchandise.
Flea market insurance is essential for protecting your business from the unexpected risks that come with selling at markets. Whether you’re running a booth full of antiques, handmade crafts or specialty goods, accidents can happen. Without coverage, a single liability claim could become a major financial setback that puts your business at risk.
The best way to get flea market insurance from The Hartford is to get a quote. We make it easy for you to get a free insurance quote online in just a few minutes.
business owner enjoying work after getting a flea market insurance quote

Get a Quote for Flea Market Insurance 

Get the coverage you need to focus on selling, not stressing.
 
Start Quote

Related Articles

 
 
Last Updated: January 23, 2026
 
1 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims”
 
2 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023"
 
3 Forbes, “The Impact of Retail Theft on Small Business and States”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
Get a Business Insurance Quote