Insuranks
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Street Fair Insurance: Cost & Quotes From $25/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!

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Table of contents
1. General Liability Insurance for Street Fairs1.1. Coverage Limits for General Liability Insurance for Street Fair Events1.2. Add-Ons for General Liability Insurance for Street Fair Events2. Product Liability Insurance for Street Fairs2.1. Add-Ons to Product Liability Insurance for Street Fairs2.2. Coverage Limits for Product Liability Insurance for Street Fairs3. Accidental Medical Insurance for Street Fairs3.1. Incidents Accidental Medical Insurance Can Help3.2. Add-Ons for Accidental Medical Insurance for Street Fairs3.3. Coverage Limits for Accidental Medical Insurance for Street Fairs4. Event Cancellation Insurance for Street Fairs 4.1. Add-Ons for Event Cancellation Insurance for Street Fairs4.2. Coverage Limits for Event Cancellation Insurance5. Commercial Property Insurance for Street Fairs5.1. Add-Ons to Commercial Property Insurance for Street Fair5.2. Coverage Limits for Commercial Property Insurance for Street Fairs6. Business Owner’s Policy for Street Fairs6.1. Which Incidents Can a BOP Cover?6.2. Add-Ons for BOP for a Street Fair6.3. Coverage Limits of BOP for Street Fairs7. Tools and Equipment Insurance for Street Fairs7.1. What Are the Common Add-Ons to Tools and Equipment Insurance for Street Fairs?7.2. Coverage Limits of Tools and Equipment Insurance for Street Fairs8. Commercial Auto Insurance for Street Fairs8.1. Add-Ons to Commercial Auto Insurance for Street Fairs8.2. Coverage Limits for Commercial Auto Insurance for Street Fairs9. Excess Liability Insurance for Street Fairs 9.1. Add-Ons to Excess Liability Insurance for Street Fairs9.2. Coverage Limits for Excess Liability Insurance for Street Fairs10. Workers Compensation Insurance for Street Fairs10.1. Add-Ons for Workers’ Compensation Insurance for Street Fairs10.2. Coverage Limits of Workers’ Compensation Insurance for Street Fairs11. Street Fair Vendor Insurance12. Street Fair Insurance Cost13. Best Street Fair Insurance Companies13.1. NEXT Street Fair Insurance 13.1.1. Pros13.1.2. Cons13.2. CoverWallet Street Fair Insurance 13.2.1. Pros 13.2.2. Cons13.3. The Hartford Street Fair Insurance 13.3.1. Pros13.3.2. Cons13.4. Tivly Street Fair Insurance 13.4.1. Pros13.4.2. Cons13.5. Thimble Street Fair Insurance 13.5.1. Pros13.5.2. Cons13.6. Hiscox Street Fair Insurance 13.6.1. Pros13.6.2. Cons

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 HiscoxThe 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?No YesYesCan be includedCan 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.