Pottery Insurance: Cost & Quotes From $25/mo

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Are you a crafter or seller involved in the pottery industry? It’s essential to protect your business from potential risks and liabilities. Pottery insurance helps pottery business owners by safeguarding the from potential risks and liabilities. Whether you operate a pottery studio or sell pottery products, having the right insurance coverage can give you peace of mind and financial security. 

This article explores various insurance policies tailored for potters and provides insights on costs, coverage, and reputable insurance companies to consider.

General Liability Insurance for Potteries

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0

This is a crucial policy that provides coverage for common risks and accidents associated with pottery businesses. This insurance protects you from financial losses from bodily injury, property damage, or personal injury claims against your pottery studio or business. With general liability insurance, you can focus on your craft and artistic expression while knowing you have protection against unforeseen circumstances.

Coverage limits for general liability insurance typically start at $1 million per occurrence and $2 million aggregate per month. This insurance can assist you in various situations such as:

  • Accidental slips and falls by customers visiting your pottery studio

  • Damage to third-party property caused by your pottery products or operations

  • Bodily injuries to customers or visitors resulting from accidents in your pottery studio

  • Legal claims alleging defamation or copyright infringement related to your pottery business

  • Product liability claims arising from defects or injuries caused by your pottery products

Add-Ons to General Liability Insurance for Potteries

  • Product liability coverage–As a potter, if a customer claims that your pottery product caused them harm or injury, product liability coverage can protect you. It covers legal fees, medical expenses, and potential settlements related to product-related claims

Is General Liability Insurance Necessary for a Small Pottery Studio?

Regardless of the size of your pottery studio, liability insurance is crucial. Accidents and incidents can happen at any time, and without insurance, you may be held personally liable for damages or injuries.

Does General Liability Insurance Cover Me if I Sell My Pottery Products Online?

This type of pottery liability insurance extends coverage to both physical and online sales. 

Product Liability Insurance for Potteries

Product liability insurance is designed to safeguard pottery businesses from claims arising from their products. If a customer alleges that your product caused harm, injury, or property damage, product liability insurance covers legal expenses, medical costs, and potential settlements.

Coverage limits for product liability insurance typically range from $1 million to $5 million per occurrence, depending on the policy and your pottery insurance provider. This insurance can help in situations such as:

  • Injuries caused by defective pottery products sold by your business

  • Allergic reactions or health issues resulting from the use of your pottery products

  • Design flaws or manufacturing defects in your pottery items leading to injuries

  • Failure to provide proper warnings or instructions about potential hazards associated with your pottery products

Is Product Liability Insurance Only Necessary for Pottery Manufacturers?

Product liability insurance is essential for all businesses involved in the pottery industry, including manufacturers, retailers, wholesalers, and even individual potters. It protects against claims arising from your pottery products, regardless of your role in the supply chain.

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Commercial Property Insurance for Potteries

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded

This policy covers physical assets, such as your building, equipment, tools, inventory, and supplies. In the event of covered perils like fire, theft, or vandalism, the insurance ensures you can recover financially and resume operations smoothly.

Coverage limits for commercial property insurance vary based on the value of your property and assets. Typically, policies start with coverage limits ranging from $100,000 to several million dollar. The insurance can help you in situations such as:

  • Fire or smoke damage to your pottery studio and its contents

  • Theft or vandalism resulting in the loss or damage of pottery equipment and inventory

  • Damage caused by natural disasters such as storms, floods, or earthquakes

  • Business interruption due to property damage, leading to loss of income and additional expenses

Add-Ons to Commercial Property Insurance for Potteries

  • Business interruption coverage–In the event of a covered loss that forces your pottery studio to suspend operations, the coverage can provide financial support by covering lost income and ongoing expenses during the downtime

  • Equipment breakdown coverage–Pottery studios rely heavily on specialized equipment. Equipment breakdown coverage can protect you from the costs of repairs or replacements if your pottery kilns, wheels, or other essential equipment break down unexpectedly

Will Commercial Property Insurance Protect My Pottery Inventory Stored Off-Site, Such as at Craft Shows or Exhibitions?

Commercial property insurance may cover your pottery inventory stored off-site depending on your pottery insurance policy. It’s crucial to check with your insurance provider and consider adding specific coverage for off-premises inventory if necessary.

Business Owner’s Policy for Potteries

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes

A business owner’s policy (BOP) is a comprehensive insurance package designed for small to medium-sized pottery businesses. It combines general liability and commercial property insurance into a single policy, offering convenience and cost savings.

Coverage limits for a BOP vary depending on your business needs and your chosen insurance provider. Typical coverage limits start at $1 million per occurrence for general liability. Commercial property coverage, on the other hand, is $100,000. This insurance can help in situations such as:

  • Business interruption due to unforeseen events, such as a power outage or equipment failure

  • Loss of income and extra expenses incurred during the repair or restoration of your pottery studio

  • Damage to your business records or important documents

  • Liability claims arising from advertising injuries or copyright infringement

Add-Ons to Business Owner’s Policy for Potteries

  • Cyber liability insurance–In today’s digital world, protecting your pottery business from cyber threats is essential. Cyber liability insurance helps cover the costs associated with data breaches, cyberattacks, and related legal obligations

  • Flood insurance–This endorsement can be used to cover the repair or replacement of business assets that got damaged or destroyed due to coastal surge, flash floods, and other related perils 

Can I Customize the Coverage Limits of a Business Owner’s Policy to Meet the Specific Needs of My Pottery Studio?

You can typically customize the coverage limits of a Business Owner’s Policy to align with your pottery business’s requirements. Discuss your specific needs with your pottery studio insurance provider to ensure you get the best from them.

Tools and Equipment Insurance for Potteries

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0

The insurance protects your pottery studios’ valuable tools and equipment. This policy covers repairing, replacing, or reimbursing your pottery-specific tools, such as kilns, wheels, hand tools, and other specialized equipment.

The coverage limit range varies based on the value and quantity of your pottery tools and equipment, typically ranging from $10,000 to $100,000 or more. This insurance can help in situations such as:

  • Theft or damage to pottery tools, kilns, wheels, and other equipment

  • Accidental breakage or loss of specialized pottery tools

  • Equipment breakdown or mechanical failures impacting your pottery production

  • Damage to molds, brushes, glazing equipment, and other pottery supplies

  • Loss or damage of materials used in pottery production, such as clay or glazes

Add-Ons to Tools and Equipment Insurance for Potteries

  • Inland marine coverage–This coverage extends protection for your tools and equipment beyond your pottery studio’s premises. It can cover your items while transported or used off-sites, such as during exhibitions or workshops

  • Rental equipment coverage–If you rent additional tools or equipment for specific projects or events, adding this coverage ensures that those rented items are also protected against damage or theft

Is Tools and Equipment Insurance Necessary if I Already Have General Liability or Commercial Property Insurance?

While general liability and commercial property insurance cover different aspects of your pottery business, they may not provide specific coverage for your tools and equipment. Tools and equipment insurance is tailored to protect the valuable items used in pottery, ensuring you have dedicated coverage for their repair or replacement.

Workers’ Compensation Insurance for Potteries

Workers’ compensation insurance is vital if you have employees working in your pottery studio or business. This policy covers medical expenses, lost wages, and rehabilitation costs for employees who suffer work-related injuries or illnesses.

Coverage limits for workers’ compensation insurance vary based on state requirements and your number of employees. The coverage is usually provided through statutory limits defined by the state. This insurance can help in situations and incidents such as:

  • An employee suffers from respiratory issues or occupational illnesses due to exposure to pottery materials or chemicals

  • If an employee experiences a workplace accident, such as getting hit by falling objects or being caught in machinery

Add-Ons to Workers’ Compensation Insurance for Potteries

  • Voluntary compensation coverage–If you have independent contractors or freelance artists working in your pottery studio, adding voluntary compensation coverage can extend benefits similar to workers’ compensation to these individuals, providing them with coverage in case of work-related injuries

  • Occupational accident coverage–This is an alternative option to traditional workers’ compensation insurance. It provides some benefits for work-related injuries but may offer more flexibility and cost savings for certain situations

Are All Employees Covered by Workers’ Compensation Insurance, Regardless of Their Role in the Pottery Studio?

Most employees, including full-time, part-time, and temporary workers, are covered by workers’ compensation insurance. However, coverage requirements can vary by jurisdiction and may have specific exemptions. Consult with your insurance provider to ensure compliance with local regulations.

How Are Workers’ Compensation Insurance Premiums Determined for Pottery Businesses?

The insurance premiums are typically calculated based on factors such as the number of employees, their job classifications, and the risk level associated with pottery operations. Your pottery insurance provider will assess these factors to determine the appropriate premium amount.

Excess Liability Insurance for Potteries

Excess liability insurance provides an additional layer of liability protection above and beyond the limits of your primary liability policies, such as general liability and product liability insurance. It acts as a safety net, offering higher coverage limits to protect your pottery business from catastrophic liability claims. Coverage limits for excess liability insurance typically start at $1 million and can extend to $3 million, depending on your specific needs and the pottery insurance provider. 

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Pottery Insurance Cost

Cost per Month Cost per Year Deductible
General Liability Insurance $35 $420 $0-$500
Excess liability insurance $48 $576 $1,000-$2,000
Commercial property insurance $50 $600
Business owner’s policy $85 $1,020 $1,500
Tools and equipment insurance $37 $444 $1,000-$2,000
Workers compensation insurance $90 $1,080 $2,000-$5,000

The average pottery insurance cost is $35 per month or $420 per year for a $1 million general liability policy. Your actual rate may be the same or different depending on 

  • Coverage types–The specific insurance policies you choose, such as general liability, product liability, commercial property, etc., will impact the overall cost

  • Coverage limits–Higher coverage limits will generally result in higher premiums

  • Business size–The size and scale of your pottery business, including the number of employees and the value of your assets, can affect the premiums for pottery studio insurance 

  • Business location–The location of your pottery studio or business can impact the insurance cost due to regional factors, such as local laws, crime rates, and property values

  • Claim history–Your past claims history can influence the insurance cost. A history of frequent or high-value claims may lead to higher premiums

To get an accurate cost estimate for pottery insurance, it’s recommended to request quotes from reputable companies. Here’s a table showing the cost of a $1 million general liability policy from the recommended carriers:

Cost per Month Cost per Year Best for
NEXT $18 $216 Best overall; Fastest general liability insurance for potteries
CoverWallet $20 $240 Comparing pottery insurance quotes online
The Hartford $22 $264 Established pottery businesses with complex insurance needs and a preference for personalized service
Tivly $24 $288 Comparing pottery insurance quotes over the phone
Thimble $26 $312 On-demand coverage for potteries
Hiscox $28 $336 Pottery businesses with higher coverage needs and a preference for comprehensive liability protection

Compare Cheap Pottery Insurance Quotes Online

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Best Pottery Insurance Companies

Below are some top companies you should consider for your pottery business. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy. 

NEXT Pottery Insurance


  • Cheap quotes from numerous carriers

  • 24/7 client service and online policy management

  • Excellent customer service

  • Comfortable compensation options

  • No cancellation fees


  • Not available in all states

If you’re looking for instant insurance online at reasonable rates, NEXT Insurance is a top choice. They provide affordable quotes from numerous carriers, ensuring you get the best coverage options.

Best for: Best overall; Fastest general liability insurance for potteries

Average cost: $18 per month

Our rating: 10/10

CoverWallet Pottery Insurance


  • Simple and streamlined online application process

  • Wide range of coverage options

  • Dedicated support from licensed insurance advisors

  • Competitive pricing

  • Convenient policy management through an online portal


  • Not an insurance company but an insurance broker

When it comes to simplifying the insurance purchasing process, CoverWallet is your go-to option. They understand that as a pottery business owner, you need a streamlined approach to insurance. CoverWallet offers a user-friendly platform that allows you to compare quotes easily and select the right coverage for your needs.

Best for: Comparing pottery insurance quotes online 

Average cost: $20 per month 

Our rating: 10/10

The Hartford  Pottery Insurance


  • A trusted and reputable insurance provider

  • Comprehensive coverage tailored for pottery businesses

  • Specialized risk management solutions

  • Excellent financial strength and stability

  • Variety of optional coverages to customize your policy


  • Premium rates may be higher compared to some competitors

If you have an established pottery business with complex insurance needs, The Hartford is the company for you. They specialize in providing comprehensive insurance solutions tailored to your specific requirements. With personalized service and guidance throughout the insurance process, The Hartford ensures that your pottery business is well protected

Best for: Established pottery businesses with complex insurance needs and a preference for personalized service

Average cost: $22 per month

Our rating: 10/10

Tivly Pottery Insurance


  • Has affordable insurance solutions

  • Getting a quote with Tivly is fast and easy

  • Easy policy management


  • Limited availability

When it comes to specialized coverage for pottery businesses, Tivly is the ideal choice. They understand the unique risks and challenges you face and provide insurance options designed specifically for potters. Call now to compare quotes over the phone. 

Best for: Comparing pottery insurance quotes over the phone 

Average cost: $24 per month 

Our rating: 9/10

Thimble Pottery Insurance 


  • The possibility to buy coverage for your business for a brief duration, such as 1 month, 1 day, or even just 1 hour

  • They are financially stable

  • Instant policy issuance


  • May not be as comprehensive as some other providers.

Thimble offers on-demand coverage, allowing you to purchase insurance for specific projects or time periods. With their streamlined online platform and mobile app, you can easily manage your policy and enjoy the convenience of flexible coverage.

Best for:  On-demand coverage for potteries

Average cost: $26 per month

Our rating: 9/10

Hiscox Pottery Insurance


  • Specialized insurance coverage for artisans and crafters

  • Tailored policies to meet the unique needs of pottery businesses

  • High financial strength ratings

  • Responsive and knowledgeable customer service

  • Flexible coverage options and customizable policies


  • Higher pricing

Over the years, Hiscox has grown into a global provider of specialized insurance solutions, serving individuals and businesses in various industries. Today, Hiscox operates in multiple countries and has become a trusted name in the insurance industry.

Best for: Pottery businesses with higher coverage needs and a preference for comprehensive liability protection

Average cost: $28 per month

Our rating: 9/10

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