Flea Market Insurance: Liability, Cost & Quotes from $11

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Updated: March 27, 2025 . 7 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

Whether you are a prominent candlemaker, soapmaker, or any other artisan, chances are you will find space in a flea market.

Beside the potential to make a ton of money a flea market presents vendors with unprecedented risks. This necessitates the need for flea market insurance.

 As you embark on a flea market insurance application, it would be best to understand the different policies available. This article explains it in detail. 

 

Flea Market Liability Insurance  

While at the flea market, there are a number of potential risks that you are exposed to. Having the right general liability insurance policy for your flea market business should be able to help you cover the following:

  • Third-party personal injuries – In personal injury claims, general liability insurance will help you cover the aggrieved party’s medical expenses such as emergency treatment and medication 
  • Third-party property damage –  In property damage claims, general liability insurance will help you compensate the value of the aggrieved party’s destroyed property 
  • Legal expenses – general liability insurance will cover attorney fees, settlements, administrative costs, and other expenses on your behalf 

 

Flea market general liability insurance offers optional policies – advertising injury coverage and rented premises liability coverage. 

Commercial Property Insurance for Flea Markets 

Your flea market business depends on equipment and supplies to keep running. When these are damaged by unexpected events, such as a fire, your commercial property insurance provider will meet the cost of replacing these.

 There are two coverages in commercial property insurance for flea markets:

  • Business equipment and tools coverage 
  • Stocks and contents coverage 

 Business equipment and tools coverage in commercial property insurance will recoup losses up to the insurance limits stated if business equipment and tools become lost or damaged due to fire, theft, vandalism, extreme weather, and other covered perils. 

Short-Term Flea Market Insurance

Flea markets don’t take place for long. This is why insurance companies offer short-term flea market insurance. This is available as a 24-hour, weekly, or monthly policy depending on your needs. 

Inclusions in short-term flea market insurance are general liability insurance with liquor liability coverage and equipment breakdown insurance. You can get more protection by endorsing commercial property insurance and workers’ compensation insurance. 

 

Flea Market Workers’ Compensation Insurance

In most states, you are required to carry workers’ compensation insurance. Getting workers’ compensation policy is a step in the right direction when it comes to meeting the legal obligations needed. This policy will cover the following on your behalf:

  • Medical expenses of your employee 
  • When your worker get Hospitalization
  • Caters Medication bill
  • Rehabilitation- cover therapist fees, rehab equipment, and other associated costs 
  • Lost income compensationThis insurance provides a weekly allowance equal to two-thirds or 67% of your employee’s average weekly wage.
  • Death benefits – If your employee dies from a work-related injury or disease, workers’ compensation insurance will cover funeral expenses and provide financial aid to dependents 

 

Flea Market Commercial Auto Insurance 

Suppose you use a vehicle to, for instance, transport your wares. In that case, you should consider getting a commercial auto policy. It provides the following protections:

  • Auto liability coverage –  This will protect you in the event that you or your employee gets into an accident while using the said commercial vehicle. 
  • Physical damage coverage – Physical damage coverage has two forms: collision and comprehensive.
  •  Collision physical damage coverage will cover repair or replacement expenses if your commercial vehicle got damaged due to a collision with a vehicle or an object.
  •   On the other hand, physical damage coverage will cover expenses if your commercial vehicle is damaged by fire, theft, vandalism, and other covered perils. 
  • MedPay/personal injury protection – MedPay/personal injury protection is protection for your commercial vehicle’s driver and passengers. MedPay covers medical and funeral expenses. Personal injury protection does the same but will also take care of lost income compensation, after-hospital visits, and more.

 

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Flea Market Insurance Requirements 

General liability insurance is a primary requirement. You need to have at least $500,000 – $1 million coverage. Of course, you need to make sure that your general liability policy allows additional insureds to be added.

Flea Market Insurance Cost  

Flea markets are considered somewhat low-risk, which means that insuring your business should be relatively affordable. On average, it will cost you $33 per month for $1 million general liability coverage. If you are on the yearly plan, you should part with $396 every year. For further ideas  

Other factors that will determine your flea market insurance cost include:

  • Location
  • Number of employees 
  • General aggregate limit
  • Per-occurrence limit 
  • Applicable deductibles 

 

Best Flea Market Insurance Companies  

 

CoverWallet 

CoverWallet does offer a competitive flea market insurance product. The different coverage options available include workers’ compensation, commercial property and general liability, among others. 

You get a chance to talk to an insurance advisor over the phone or by live chat throughout the entire quote process. 

Average cost: $8 per month 

Our rating: 10/10

Pros 

  • You can get several quotes from different providers, all done through an online application 
  • A responsive online dashboard where you can manage your policy, pay premiums and file and manage your claims 
  • Stable rates 

Cons 

  • Third-party partners underwrite the policy 

 

 

Thimble 

Thimble flea market insurance will be underwritten by Markel and National State Insurance and will cost you $10 per month. Thimble’s flea market insurance stands out because of the option of purchasing a cover for as short as just hours. he next. 

Before purchasing Thimble flee market insurance, take note that it only offers $1 million or $2 million general liability coverage. 

Average cost: $10 per month 

Our rating: 9/10

Pros 

  • Short-term flea market insurance coverage in under 60 seconds 
  • You can get quotes and purchase coverage online via Thimble’s official website or mobile application
  • You instantly get the Certificate of Insurance 

Cons 

  • Only general liability coverage is offered 

  

 

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Nationwide 

Nationwide’s flea market insurance offering stands out mainly due to the flexibility the policyholder can enjoy. You have the option of adding on policies to cover your premises, products and completed operations, as well as claims of false advertising.

 Additionally, you can purchase a short-term policy depending on your flea market business needs, as you have the opportunity of determining the depth and duration of your coverage. 

Average cost: $90 per month 

Our rating: 8/10

Pros 

  • Exemplary customer service
  • Above-average scores in claims handling 
  • Zero deductibles 
  • Flea market vendors insurance protect the insured against theft or loss of property and flea market wares 

Cons 

  • Flea market vendors in Alaska, Hawaii or Louisiana are excluded from coverage 
  • It doesn’t cover mobile vendors 

 

 

 

Allstate 

Flea market vendors looking to work with Allstate Insurance for their flea market business have the option of choosing between several policies, including:

  • General liability 
  • Standalone product liability 
  • Commercial auto liability 

Average cost: $45 per month

Our rating: 7/10

Pros 

  • Prompt management of claims 
  • Three policy options available for flea market vendors  insurance

Cons 

  • Commercial property insurance coverage is not available 

 

 

Geico 

Based in Chevy Chase, Maryland, Geico started underwriting insurance products in 1936. Its flea market insurance policy is desirable for mobile food cart vendors attending a flea market. 

These vendors are able to bundle their commercial auto and general liability insurance, which is, to say the least, relatively cost-effective. 

Average cost: $38 per month 

Our rating: 7/10

Pros 

  • Network of agents available in all 50 states 
  • Mobile application that’s accessible and easy-to-use 
  • Possibility of bundling your policies for better rates 
  • Flexible policies that make room to tailor-make customized flea market insurance policies 

Cons 

  • Poor communication, especially pertaining to changes in premium 

 

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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