General liability insurance is required for all artisans and crafters. This coverage shields you against the financial consequences of third-party bodily injury, property damage, and personal and advertising injury claims.
Bodily damage to a non-employee You give seminars using specialized tools that necessitate safety precautions. You could be held accountable if a pupil is injured while under your supervision.
Property damage – You have a studio where you do your creating, and clients frequently come in dressed up. You could be held accountable for the purchase of a replacement pocketbook or pair of shoes if one of them destroys one while you’re conducting your professional services.
Product liability insurance – As an artisan, you may be held accountable if your products cause an injury or property damage to a customer.
Product liability insurance protects you against bodily injury or property damage caused by the goods you manufactured or sold.
Why would you obtain crafts insurance without product liability coverage if your consumers wouldn’t buy a necklace without a working clasp?
Do I need insurance to sell handmade crafts?
Crafting has grown in popularity in the United Kingdom, as more people begin to profit from their creativity. Whether you sell your handicraft for a living or as a hobby, you must have insurance coverage if you sell your work.
Even if you don’t consider yourself a business, you are just as vulnerable to legal action as any large corporation. For example, if a piece of one of your crafts fell away, it may injure a consumer. If you are the subject of a claim, you may be forced to pay some exorbitant fees.
Our Arts & Crafts Insurance policy can be tailored to your specific needs, ensuring that you only pay for what you require.
You’ll just have to pay one monthly or annual premium, with one renewal date, whether you choose to insure your products, equipment, or premises. It doesn’t get any easier than this.
Do you need insurance for a crafting business?
Crafters insurance protects you and your company from damages and legal fees incurred as a result of your business operations. Many craft events, fairs, and festivals require craftspeople to have current liability insurance with the event and its directors included as extra insureds.
Do I need insurance to sell candles?
There are several dangers associated with candle businesses that can become quite costly if you don’t have basic insurance coverage for selling candles. When your candle business burns down, a client files a claim after you fail to deliver inventories on time, or a customer complains that you’re selling low-quality candles or wax melts, you may need to turn to insurance.
Do I need insurance to sell a product?
Despite the efforts of small firms to produce high-quality goods, there is still the possibility that products will fail to function effectively. A children’s clothing firm, for example, could make clothing that fits incorrectly and is a suffocation threat, or a food service company could bake pastries with a component that causes an allergic reaction in a consumer.
Defects can always occur, resulting in bodily injury or property damage – major risks that neither your company nor your consumers can afford. As a result, any company that sells items should obtain product liability insurance. Find out what product liability insurance is and how much you would need for your small business:
Do I need insurance to sell at craft fairs?
Before permitting you to sell at their craft fair, most organizers will ask for proof that you have an insurance coverage in place. Employers liability insurance is required by law if you have any employees who are not family members or contractors accompanying you to the craft fair.
Do I need public liability insurance for a craft fair?
While public liability insurance is not required by law at craft fairs, it is strongly advised, and some event organizers may request proof of craft stall owners’ public liability insurance policy. Hopefully, you’ll never need to use your public liability insurance coverage, but if you do, you’ll be glad you have it because claims for injuring a member of the public may be very expensive.
What insurance do market traders need?
We recommend that all market traders have a minimum of a complete public liability insurance policy, especially if they work at numerous venues with varying degrees of risk. This level of coverage is frequently required as a minimum by venues, event organizers, and municipal governments. If you have employees, we strongly advise that you purchase employers liability insurance, and our event equipment policy will cover any damage to your stock, stand, and other equipment.
How much is market traders insurance?
Our market traders insurance policies start at £30 for a single event and £128 for a series of events (up to 100 events). Compare costs and levels of coverage on our cover/premiums page.
Do you need public liability insurance for a market stall?
If you want to be covered in the event that a member of the public is injured or their property is damaged as a result of your negligence, you’ll require public liability insurance.
How to get public liability insurance for a market stall
Obtaining public liability insurance for your market booth is simple. Simply click ‘request a quote’ and fill out the form with your information as well as the details of your event and the level of coverage you desire. Depending on the intricacy of your policy, our experienced underwriters may need to review it, you will be given a quote or you can purchase your policy online.
How much is public liability insurance for market traders?
Our market traders’ public liability insurance starts at £30 for a single event and £128 for multiple events (up to 100). Premiums range from £1 million to £10 million in coverage. For additional information on market trader public liability insurance pricing, visit the cover/premiums page.
- This policy covers 100 one-day events over the course of a year; however, it can be customized to cover 50 two-day events or 33 three-day events.
- The Financial Conduct Authority has granted us authorization to supply regulated products and services, including Market Traders Insurance (FCA)
We may also provide event insurance for individual exhibitors at your conference, as well as conference and show insurance, as well as fair and exhibition insurance.
Does indie business network cover candles?
Soaps, makeup, cosmetics, insect repellant, hand sanitizer (under FDA’s temporary guidelines), hair products, nail polish, jewelry, aromatherapy items, candles, and wax melts are all covered under this program.
Do I need insurance to sell digital products?
Small enterprises and independent digital marketplace sellers can choose from a variety of liability coverage choices. However, it’s a good idea to have a commercial general liability (CGL) insurance coverage in place at the very least. In addition, sole owners can be covered for these types of risks.