Street Fair Insurance: Cost & Quotes From $25/mo

Table of contents

What better way to enjoy the beautiful outdoor space, food, and music than a street fair event? In this event, vendors and participants meet to showcase their services, talents, and products. If you are planning to hold a street fair event, you’re probably wondering what can go wrong amidst the entertainment and fun.

This event may present a fair share of risk to the attendees and employees. Your street fair might even become a significant target for criminal acts, and you need to be prepared for such unforeseen circumstances. The crafters renting a booth can also injure their customers and you might be held responsible for their actions. Street fair insurance is the best way to cushion yourself from costly lawsuits and settlements.

General Liability Insurance for Street Fairs

CoverWallet  NEXT (Best) Thimble  Hiscox The 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? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included


General liability insurance is integral for a street fair event. This policy is your best defense against third-party claims for:

  • Bodily injury–A participant in your street fair event slips and falls and is injured

  • Property damage–When holding your street fair event, a property such as a parked car or building is damaged.

  • Product liability–Products you sell at your street fair event harm a customer.

  • Advertising injury–The marketing materials you use for your fair street event have claims of copyright infringement

Coverage Limits for General Liability Insurance for Street Fair Events

The coverage limit for this insurance for street fair is $1 million for each occurrence and up to $2 million for the aggregate. Typically, an insurer can offer higher coverage limits, such as $4 million for all your claims in a policy period, but you will have to pay higher premiums.


Add-Ons for General Liability Insurance for Street Fair Events

In addition to your standard general liability insurance, you can include an integral add-on, such as vendor liability insurance. This coverage is crucial if you have third-party contractors in your event and will cover any claims closely linked to their services and activities. 


Product Liability Insurance for Street Fairs

If you sell your street fair event, you need to be aware claims can be made against your products. Imagine you sell beauty products at your event, and they cause allergic reactions in your customers. This product liability insurance will cover legal fees and damages.

Also, you can sell toys at your event, and these items cause injuries to a child. You are liable for these damages; the insurance coverage will settle all associated costs.


Add-Ons to Product Liability Insurance for Street Fairs

Product recall coverage is one crucial add-on to your product liability insurance. Imagine you engineer, manufacture, and distribute a product such as a toy. Later that toy is recalled for being defective and causing harm to the users. This coverage will cover all the expenses of notifying your clients and offering refunds to your customers.


Coverage Limits for Product Liability Insurance for Street Fairs

When determining the amount of coverage limit for product liability insurance, an insurer must check the size of your event. If you hold a small event, you will get $100,000 to $500,000 for each occurrence and an aggregate limit of $1 million to $2 million. For large events, the coverage limit for each occurrence is $1 million to $5 million and the aggregate limit is $5 million to $10 million.


Accidental Medical Insurance for Street Fairs

This insurance is another fundamental coverage for your business. It covers vendors, employees, or attendees in case they suffer any accidental injuries during your event. This insurance will cover the following:

  • Doctor fees

  • Hospital fees

  • Surgical expenses

  • Ambulance expenses

  • Prescribed drugs

  • Rehabilitation expenses

  • Follow-up care costs

Typically, accidental medical insurance will not cover pre-existing illnesses, and you will require comprehensive health insurance.


Incidents Accidental Medical Insurance Can Help

  • An attendee falls on your street fairgrounds and gets injured

  • A vendor or participant gets a burn injury during the event

  • A participant or attendee suffers a laceration or cuts during the event

Add-Ons for Accidental Medical Insurance for Street Fairs

  • Emergency medical evacuation coverage–This add-on will cover the costs of transporting injured persons to a better-equipped facility for better injury management

  • Accidental death coverage–This add-on will cover settlement if a person dies during your fair street event. The settlement amount is typically paid to the beneficiaries

Coverage Limits for Accidental Medical Insurance for Street Fairs

The coverage limits for accidental medical insurance are $10,000 to $100,000. Usually, the limits vary depending on the terms of your policy and the conditions you agree with your carrier. The number of attendees and risk exposure will also influence the coverage limit amount.

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Event Cancellation Insurance for Street Fairs 

When planning an event, especially an outdoor one, many unpredictable factors can lead to its cancellation. For instance, heavy rains, storms, or floods can make holding a street fair event on a specific date impossible. In such a scenario, event cancellation insurance will cover expenses associated with your event.

The insurance will reimburse you for non-recoverable expenses such as equipment rental fees or advertising fees. It can also cover refunding ticket sales and rescheduling your event. Here are some of the perils covered:

  • Severe weather

  • Natural disaster

  • Terrorism

  • Non-appearance of a crucial performer

  • Equipment failure

Add-Ons for Event Cancellation Insurance for Street Fairs

  • Terrorism coverage–This add-on will cover the postponement or cancellation of an event due to a terrorist act. You will receive compensation for expenses incurred in organizing the canceled event

  • Public liability coverage–This add-on covers any liability claims by attendees or third parties. It will cover bodily injury and property damage to the public

Coverage Limits for Event Cancellation Insurance

The coverage limit will depend on the size of the event. A coverage limit of $25,000-$50,000 is sufficient for small events to cover all related costs. While for a larger event, you may require a coverage limit of $100,000 and above.


A street fair in Havana, with a lively crowd of people walking down the street.


Commercial Property Insurance for Street Fairs

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
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 signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded


You must erect tents and invest in the best equipment when organizing a street fair. But a disaster–such as a fire, theft, vandalism, winds, or lightning–can strike and diminish your physical assets to ashes or rubble. With commercial property insurance, you can insure your physical assets. Commercial property insurance covers the following assets:

  • Buildings

  • Tables and chairs

  • Signage

  • Tents

  • Equipment

  • Inventory

Commercial property insurance provides your business with a safety net and will cover your property’s replacement, rebuilding, and repair costs.


Add-Ons to Commercial Property Insurance for Street Fair

  • Equipment breakdown coverage–This add-on will offer coverage for the accidental breakdown of your equipment during the event. For instance, the sound system may malfunction due to an electrical problem. This will cover replacement and repair costs

  • Business interruption coverage–A covered peril such as a storm can lead to the postponement or cancellation of your event. This insurance will cover lost income due to the unfortunate interruption

Coverage Limits for Commercial Property Insurance for Street Fairs

Insurance providers base the coverage limits for your commercial property insurance on the value of the property used at the event. Usually, the limits can be from $100,000 to $250,000.

Business Owner’s Policy for Street Fairs

CoverWallet NEXT (Best) Thimble  The Hartford Hiscox
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $330,000 $25,000/$500,000 $75,000 $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


The business owner’s policy is classified as an all-in-one insurance policy that combines two or more policies. This allows you to enjoy cheaper premiums and easily manage your policies. Typically, a BOP contains:

  • General liability insurance

  • Commercial property insurance

  •  Business interruption insurance

Which Incidents Can a BOP Cover?

  • Property damage

  • Bodily injury

  • Damage to your property or equipment

  • Natural disasters

  • Product liability claims

  • Advertising claims

Add-Ons for BOP for a Street Fair

  • Cyber liability insurance–Sensitive data can be compromised if you collect attendees’ data online or process payments digitally. This coverage will protect against any losses due to data breaches and other kinds of cyber attacks

  • Umbrella insurance–This add-on offers extra liability protection beyond what the primary insurance for street fair can offer

Coverage Limits of BOP for Street Fairs

Coverage limits for BOP insurance are estimated according to the specific needs of your event. But generally, most providers offer $1 million to $2 million per occurrence and aggregate for general liability insurance. On the other hand, carriers offer $10,000 to $ 1 million for commercial property insurance.

Tools and Equipment Insurance for Street Fairs

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


This insurance will cover tools and equipment you use during a street fair event. It only covers unforeseen risks and will not cover general wear and tear. It covers perils such as:

  • Theft

  • Vandalism

  • Earthquakes

  • Fires

  • Storms

  • Floods

What Are the Common Add-Ons to Tools and Equipment Insurance for Street Fairs?

  • Inland marine insurance–Standard tools and equipment insurance may not cover your tools and equipment in transit. You can include this add-on to cover any unforeseen perils that occur when you are transporting your items

  • Rented equipment insurance–If you use rented equipment for your event, you can include this add-on. It will cover any damages to the rented items

Coverage Limits of Tools and Equipment Insurance for Street Fairs

When selecting the ideal coverage limit for tools and equipment insurance, you must evaluate the value of your items. Generally, the limits are $10,000 to $100,000.


Commercial Auto Insurance for Street Fairs

Do you use cars, vans, or any vehicle for business purposes? In this case, you require commercial auto insurance. The insurance will cover your business vehicles in the event of accidents. It covers your drivers, employees, passengers, or any other person in the vehicle when an accident occurs. Components of commercial auto insurance include:

  • Liability coverage–Your insured vehicle can cause bodily injury and property damage after an accident. This coverage will cover all damages to third parties

  • Collision coverage–This component will cover the replacement or repair costs after your insured vehicle hits an object or vehicle

  • Comprehensive coverage–Focuses on non-collision events such as vandalism or theft of insured vehicles

  • Medical payment coverage–This will help settle doctor fees or hospital bills after an accident.

  • Non-owned auto coverage–You can sometimes use non-owned vehicles for business purposes. This insurance cover will costs in case such vehicles cause an accident

  • Uninsured and underinsured motorist coverage–If you get into an accident with a motorist with limited or no insurance coverage, this component will help pay for your injuries and damages

Add-Ons to Commercial Auto Insurance for Street Fairs

  • Roadside assistance coverage–Roadside assistance will cover the cost of battery jump starts, tire delivery, tire installation, gas delivery, towing, and other related expenses in case your vehicle breaks down

  • Towing and labor coverage–This add-on covers the costs of towing your vehicle from the accident scene to the repair shop

Coverage Limits for Commercial Auto Insurance for Street Fairs

You can get a coverage limit of $25,000 to $1 million for the liability coverage. You can receive medical payment coverage of $10,000 for each person. For collision coverage, you will get compensation for a portion of or the total value of the repair costs

Excess Liability Insurance for Street Fairs 

Excess liability insurance will offer extra coverage beyond the primary insurance limit for a street fair. This insurance is customized to protect your street fair event from catastrophic events that may exceed your regular policies’ limits.

For instance, a participant in your event may suffer severe injuries after a fall accident in your event. They may sue your business and demand compensation of $2 million. However, your general liability insurance can only cover $1 million. The excess liability insurance will help cover the remaining $1 million in this scenario.


Add-Ons to Excess Liability Insurance for Street Fairs

Excess liability insurance is an add-on to your standard policies. You can include it in your other policies, such as general liability insurance, commercial property, and commercial auto insurance.


Coverage Limits for Excess Liability Insurance for Street Fairs

The coverage limit for excess liability insurance is $1 million to $10 million. The limit will affect the premiums you pay for your policy. You need to evaluate the needs of your business when choosing the correct limit.


Workers Compensation Insurance for Street Fairs

Do you employ workers to oversee your street fair event? If this is the scenario, consider having workers’ compensation insurance. This policy will compensate your employees if injured while working at the event. The insurance cover will assist you in paying for employees:

  • Emergency treatments

  • Hospital bills

  • Medications

  • Death benefits to the employee’s beneficiaries

  • Rehabilitation benefits

  • Lost wages

Add-Ons for Workers’ Compensation Insurance for Street Fairs

  • Stop-gap coverage–This add-on will offer you coverage if you operate your street fair event and cannot offer workers’ compensation insurance due to some regulatory reasons

  • Occupational accident insurance–This add-on will cover employees injured under incidents not covered by your standard workers’ compensation insurance

Coverage Limits of Workers’ Compensation Insurance for Street Fairs

The coverage limit for your worker’s compensation insurance will vary from one state to another. But generally, insurers offer two-thirds of your employees’ weekly wage. The benefits can last 3-7 years or when your employee fully recovers and can resume their duties.


Street Fair Vendor Insurance

Street fair vendor insurance is a packaged insurance plan made up of general liability, commercial property, business owner’s policy, and commercial auto insurance. The general liability coverage has a $1 million-$2 million per occurrence and aggregate limit. Commercial property coverage limits are at $10,000-$25,000. The business owner’s policy offers $1 million liability coverage and $25,000 commercial property coverage. Finally, the limits for commercial auto insurance are $25,000 minimum. 


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Street Fair Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $37 $444 $0-$500
Excess liability insurance $39 $468 $500-$1,000
Commercial property insurance $75 $900 $1,000-$2,000
Business owner’s policy $112 $1,344 $1,500
Tools and equipment insurance $41 $492 $500-$1,000
Commercial auto insurance $60 $720 $500-$1,000
Workers compensation insurance $94 $1,128 $2,500-$5,000


The average street fair insurance cost is $37 per month or $444 per year for a $1 million general liability coverage. Factors that affect the cost of premiums are claims history, business history, deductibles, policy limits, revenues, and location. Here’s a table showing the cost of a $1 million general liability insurance from the best companies:

Cost per Month Cost per Year Best for
NEXT $25 $300 Best overall; Fastest general liability insurance for street fairs
CoverWallet $27 $324 Comparing street fair insurance quotes online
The Hartford $29 $348 Large street fairs with high attendance
Tivly $33 $396 Comparing street fair insurance quotes over the phone
Thimble $31 $372 Businesses looking for short-term street fair insurance
Hiscox $35 $420 Large street fairs with high-risk activities

Compare Cheap Street Fair Insurance Quotes Online

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Best Street Fair Insurance Companies

We have compiled for you the best street fair insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.


NEXT Street Fair Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for street fairs

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies

Cons

  • Couldn’t find any

NEXT is a 100% digital insurance provider for small businesses. You can find over 2,500 business categories, meaning each type of business can find the ideal coverage. This company offers over 5 types of insurance products for businesses. You can save on your insurance policies by bundling and paying annually. Low-risk and safe businesses also enjoy affordable premiums.

Best for: Best overall; Fastest general liability insurance for street fairs 

Average cost: $25 per month

Our rating: 10/10


CoverWallet Street Fair Insurance

Pros 

  • Instant insurance quotes

  • Experienced advisors offer customers support

  • Several payment options are available

  • You can download the insurance certificate online

Cons

  • Not an insurance company but an insurance broker

CoverWallet was founded in 2015 and is currently operating in 48 states in the United States. This company does not offer insurance products to people in Vermont or Rhode Island. What makes CoverWallet outstanding is its ability to offer insurance quotes within minutes. You can also discuss with their experienced advisors and get professional support. They have multiple payment options giving business owners so much flexibility.

Best for: Comparing street fair insurance quotes online 

Average cost: $27 per month

Our rating: 10/10


The Hartford Street Fair Insurance

Pros

  • Discounts available

  •  Insurance add-ons available

  • Local agents who offer personalized assistance

Cons

  • May not offer insurance covers for all drivers

The Hartford was established in 1810 and offers several types of business insurance. You can get a business owner’s bundled-up policy at a meager cost. It is also important to note that Hartford partners with the American Association of Retired People (AARP). Members of AARP receive attractive discounts. Additionally, they offer standard and stand-out coverage products for businesses.

Best for: Large street fairs with high attendance

Average cost: $29 per month

Our rating: 10/10


Tivly Street Fair Insurance

Pros

  • Pairs you with the best insurance carrier

  • Affordable prices

  • Extensive knowledge of insurance products

  •  A reputable insurance marketplace

Cons

  • You can’t get quotes online

Tivly is an insurance marketplace. It was previously known as Commercialinsurance.Net and will connect your business to the ideal carrier. The company obtains your company’s information and pairs you with the best provider in the market. They have vast knowledge about all types of businesses and will reveal how your insurance will help your business. Call now to compare quotes over the phone. 

Best for: Comparing street fair insurance quotes over the phone 

Average cost: $33 per month

Our rating: 9/10


Thimble Street Fair Insurance

Pros

  • Affordable insurance products

  • Comprehensive insurance products

  • Customizable policies

Cons

  • You can’t reach customer service by calling 

Thimble was founded in 2016 and initially offered only drone liability insurance. However, the company has diversified and now offers over 120 small businesses multiple insurance products. It can offer your street fair event short-term insurance policies.

Best for: Businesses looking for short-term street fair insurance

Average cost: $31 per month

Our rating: 9/10


Hiscox Street Fair Insurance

Pros

  • Fast application process

  • Focuses even on complex insurance needs

  • Offer multiple insurance products

Cons

  • Online quoting not available all the time due to periodic site maintenance

Hiscox offers multiple coverage options for businesses. The company started in 1901, focusing on more complex insurance needs. They offer insurance products for healthcare, professional, or technology industries. Something unique about them is that they offer a fast claims processing.

Best for: Large street fairs with high-risk activities

Average cost: $35 per month

Our rating: 9/10

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