Insuranks
Insuranks

Etsy Seller and Shop Insurance: Cost & Quotes From $20/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

Speak with a representative Speak with a representative +1-8669293479
Table of contents
1. General Liability Insurance for Etsy Sellers and Shops1.1. Coverage Limits of General Liability Insurance for Etsy Sellers and Shops1.2. Add-Ons to General Liability Insurance for Etsy Sellers and Shops1.3. Can General Liability Insurance for Etsy Sellers and Shops Cover Intellectual Property Disputes?2. Professional Indemnity Insurance for Etsy Sellers and Shops2.1. Coverage Limits of Professional Indemnity Insurance for Etsy Sellers and Shops2.2. Specific Situations Where This Insurance Can Help2.3. Do All Etsy Sellers and Shops Need Professional Indemnity Insurance?3. Etsy Product Liability Insurance3.1. Coverage Limits of Etsy Product Liability Insurance3.2. Specific Situations Where This Insurance Can Help3.3. What Types of Products Are Typically Covered under Etsy Product Liability Insurance?4. Commercial Property Insurance for Etsy Sellers and Shops4.1. Coverage Limits of Commercial Property Insurance for Etsy Sellers and Shops4.2. Specific Situations Where This Insurance Can Help4.3. Add-Ons to Commercial Property Insurance for Etsy Sellers and Shops4.4. Can a Home-Based Etsy Seller Get Commercial Property Insurance?5. Business Owner’s Policy for Etsy Sellers and Shops5.1. Coverage Limits of Business Owner’s Policy for Etsy Sellers and Shops5.2. Specific Situations Where This Insurance Can Help5.3. Add-Ons to Business Owner’s Policy for Etsy Sellers and Shops5.4. What Types of Businesses on Etsy Are Eligible for a BOP?6. Tools and Equipment Insurance for Etsy Sellers and Shops6.1. Coverage Limits of Tools and Equipment Insurance for Etsy Sellers and Shops6.2. Specific Situations Where This Insurance Can Help6.3. Add-Ons to Tools and Equipment Insurance for Etsy Sellers and Shops6.4. What Types of Tools and Equipment Can Be Covered by This Insurance?7. Commercial Auto Insurance for Etsy Sellers and Shops7.1. Coverage Limits of Commercial Auto Insurance for Etsy Sellers and Shops7.2. Add-Ons to Commercial Auto Insurance for Etsy Sellers and Shops7.3. Does the Law Require Commercial Auto Insurance for Etsy Sellers and Shops?8. Cargo Insurance for Etsy Sellers and Shops8.1. Coverage Limits of Cargo Insurance for Etsy Sellers and Shops8.2. How Do I File a Claim for a Damaged or Lost Item? 9. Excess Liability Insurance for Etsy Sellers and Shops9.1. Coverage Limits of Excess Liability Insurance for Etsy Sellers and Shops9.2. Who Needs Excess Liability Insurance for Their Etsy Business?10. Workers Compensation Insurance for Etsy Sellers and Shops10.1. Coverage Limits of Workers Compensation Insurance for Etsy Sellers and Shops10.2. Specific Situations Where This Insurance Can Help10.3. What is the Process for Filing a Workers’ Compensation Claim?11. Etsy Insurance Cost12. Best Etsy Insurance Companies12.1. NEXT Etsy Insurance 12.1.1. Pros12.1.2. Cons12.2. CoverWallet Etsy Insurance 12.2.1. Pros12.2.2. Cons12.3. The Hartford Etsy Insurance 12.3.1. Pros12.3.2. Cons12.4. Tivly Etsy Insurance 12.4.1. Pros12.4.2. Cons12.5. Thimble Etsy Insurance 12.5.1. Pros12.5.2. Cons12.6. Hiscox Etsy Insurance  12.6.1. Pros12.6.2. Cons

Running an Etsy shop can be a rewarding online business. Still, it's important to remember that accidents and unexpected events can happen anytime even when you’re running this home-based business. That's why it's crucial for Etsy sellers to consider getting insurance for their shops. Etsy insurance can cover various incidents and accidents while running a business. 

With Etsy business insurance, sellers can protect themselves from costly legal fees, medical bills, and property damage repair costs, among other expenses. This insurance can also help cover product recalls and data breach costs.

Read further to know what policies are included in Etsy shop insurance. You will also know the cost of premiums and the best companies. 

General Liability Insurance for Etsy Sellers and Shops


CoverWalletNEXT (Best)ThimbleHiscoxThe Hartford
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000$300,000/$1,000,000$1,000,000/$2,000,000
Aggregate limit$2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit$2,000,000
$1,000,000$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit$1,000,000$1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit$100,000
$100,000$5,000$100,000$1,000,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?NoYesYesCan be includedCan be included


General liability insurance is an insurance policy that covers Etsy sellers and shops against claims made by third parties for bodily injury, property damage, and advertising injury. It is designed to protect the Etsy seller or shop in case of an accident or injury caused by their products, services, or operations.


Coverage Limits of General Liability Insurance for Etsy Sellers and Shops

The coverage limits for this Etsy liability insurance policy can range from $1 million to $2 million.

Specific Situations Where This Insurance Can Help

  • Bodily injury caused by a product sold by the Etsy shop

  • Property damage caused by a product sold by the Etsy shop

  • Slip and fall accidents occurring on the Etsy shop's premises

  • Advertising injury, such as copyright infringement, caused by the Etsy shop


Add-Ons to General Liability Insurance for Etsy Sellers and Shops

  • HNOA coverage–General liability insurance for selling on Etsy can have hired/non-owned auto liability coverage. This takes care of claims after a commercial auto you hired or borrowed causes an accident

  • Terrorism coverage–This can be added to general liability insurance so that you enjoy reimbursement for financial losses in case your business property gets damaged or lost due to terrorism and sabotage


Can General Liability Insurance for Etsy Sellers and Shops Cover Intellectual Property Disputes?

Yes, general liability insurance for Etsy sellers and shops can cover intellectual property disputes, such as claims of copyright infringement or trademark violations. However, it is vital to check the specific terms and conditions of the policy to ensure that such coverage is included.


Professional Indemnity Insurance for Etsy Sellers and Shops


CoverWalletNEXTThimble (Best)HiscoxThe Hartford
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000$1,000,000
Aggregate limit$2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000$2,000,000
Name additional insureds?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo


Professional indemnity insurance is an insurance policy that covers legal costs and damages arising from claims of professional negligence or mistakes made by Etsy sellers or shops while conducting their business activities. It protects against claims made by clients or third parties who have suffered financial loss or damage due to the Etsy seller or shop's actions.


Coverage Limits of Professional Indemnity Insurance for Etsy Sellers and Shops

The coverage limits usually range from $100,000 to $1 million.


Specific Situations Where This Insurance Can Help

  • Breach of confidentiality or privacy

  • Providing incorrect or misleading advice to a client

  • Failure to deliver a product or service as promised

  • Misrepresentation of a product or service

  • Negligence or errors in professional services provided


Do All Etsy Sellers and Shops Need Professional Indemnity Insurance?

It depends on the nature of the business and the risks involved. Professional indemnity insurance is highly recommended if the seller or shop provides professional services or advice, such as consulting or design services. However, the business primarily sells physical products. In that case, having this type of insurance may not be necessary.


Etsy Product Liability Insurance

Etsy product liability insurance is a policy designed to protect Etsy sellers from claims arising from their products' defects, malfunctions, or failure to perform as intended.


Coverage Limits of Etsy Product Liability Insurance

Product liability insurance Etsy has a $1 million per occurrence and $2 million aggregate limit.


Specific Situations Where This Insurance Can Help

  • A customer is injured by a defective product sold by the Etsy seller

  • A product sold by the Etsy seller fails to perform as intended, causing financial losses to a customer


What Types of Products Are Typically Covered under Etsy Product Liability Insurance?

Etsy product liability insurance can cover many products, including handmade or vintage items, and craft supplies However, depending on the insurer's underwriting guidelines, some products may be excluded or require additional coverage. Sellers should review their policies carefully to understand what products are covered and excluded.

Compare Cheap Etsy Seller & Shop Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Commercial Property Insurance for Etsy Sellers and Shops


CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
Building coverage limit (minimum)$50,000$330,000$25,000/$500,000$60,000$25,000
Contents coverage limit (minimum)$50,000$35,000$25,000/$500,000$60,000$15,000
Outdoor signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivableExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keysExcluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded


A commercial property policy included in your Etsy store insurance covers the physical assets from damage or loss due to natural disasters, accidents, theft, or vandalism. It covers your business's building, inventory, equipment, and furniture.


Coverage Limits of Commercial Property Insurance for Etsy Sellers and Shops

The limits usually range from $10,000 to $2,000,000 for the building and $25,000-$50,000 for the contents.


Specific Situations Where This Insurance Can Help

  • Fire or smoke damage to the building or inventory

  • Damage or loss due to natural disasters such as floods, earthquakes, and hurricanes

  • Theft or vandalism of inventory or equipment

  • Accidental damage to property due to an employee's negligence

  • Business interruption due to a covered loss, such as fire or flood, resulting in lost income for the business owner


Add-Ons to Commercial Property Insurance for Etsy Sellers and Shops

  • Accounts receivable insurance–If you rely on invoices and accounts receivable to keep your business running, accounts receivable insurance can help protect you if a customer defaults on a payment or goes bankrupt

  • Flood insurance–Commercial property insurance doesn’t cover property damage caused by floods. You need a flood endorsement to cover such peril


Can a Home-Based Etsy Seller Get Commercial Property Insurance?

A home-based Etsy seller can get commercial property insurance if they have a separate commercial space or designated area in their home for their business operations. However, coverage limits and eligibility may vary depending on the insurance provider and policy. It's best to check with the insurance provider to determine the coverage options for a home-based business.