Public liability insurance for craft fairs and craft stallholders is incredibly important, as it covers you against any liability or claims made by the public in connection with your craft fair.
Do you need public liability insurance for a craft stall?
If you're running a craft fair as a market trader, you're also working a lot with the public – and accidents can happen. Public liability insurance can help protect your business in case of third-party injury or damage, maybe caused by a trip or slip over your stall, or injury caused by one of your products.
Popular crafting marketplaces, such as Etsy, Folksy, Ebay and Not On The High Street, don't make it compulsory for you to have insurance in order to sell products on their websites. However, it is important to have appropriate craft insurance in place to best protect your business, your goods and your sales.
Regardless of what you craft, you will likely benefit from having public liability insurance. We cover a wide range of crafts which many other providers do not. These include, but are not extensive to: Cosmetics, such as Bath and Shower Products.
To run a fully protected craft workshop, you'll need Public Liability Insurance. This type of cover will allow you to be covered from legal action and large costs due to damages.
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What insurance do I need for a craft stall?
Public liability insurance for craft fairs and craft stallholders is incredibly important, as it covers you against any liability or claims made by the public in connection with your craft fair.
As touched on above, you do not legally require public and product liability insurance to sell at a craft stall. However, it is a good idea. If, for example, a member of the public trips over your stall and becomes injured, this cover will protect you.
Whether you're baking baguettes or perfecting pastries, chances are you'll face a number of common business risks. Public liability's considered an essential cover if you're dashing around delivering your baked goods to customers - and if you employ anyone, you'll need to think about employers' liability too.
Public liability insurance does not cover employees, temporary staff, students or people on work placements – for this you need employers' liability insurance.
There are some types of cover that all crafters should have – Public and Products Liability insurance is definitely one and, if you employ anyone, the law says you have to have Employers Liability cover too.
Do I need to register as a business to sell crafts?
When it comes to crafting, there are very few areas in which a licence is essential. If you are working with and selling alcohol, food or have a business premise that isn't your home, you may need a licence. Otherwise, it is mostly acceptable for a small business to simply register with HMRC and begin trading.
Do you need public liability insurance to sell on Etsy?
Do you need liability insurance to sell on Etsy? Liability insurance is not a mandatory requirement for Etsy sellers. But this doesn't mean having this cover in place is a bad idea. On the contrary, it can save you huge sums of money should a claim be brought against you.
The average cost for public liability insurance with AXA is £4.94* a month. It's important to note that working out the cost of public liability cover for each policy depends on several factors, such as your occupation, where you're working, how many staff you have and your annual turnover.
As long as you have public liability insurance and a valid and clear DBS we'd love to hear from you. We give free stalls to workshops to encourage a range of creativity at our events. Please email us with information of what you do.
With single day public liability insurance, you can get the coverage you need without committing to a long-term policy. Short-term public liability insurance is a flexible and cost-effective option that can provide coverage for a range of events and activities, including trade shows, exhibitions, and one-off gigs.
Is public liability insurance compulsory for self-employed?
Self-employed public liability insurance is not legally required for most businesses but is considered necessary if people visit your business premises. Saying that some customers may demand that you have some public liability cover, simply so they know that they're protected.
Public liability insurance is one of the main types of business insurance. It can cover compensation payments and legal costs if a member of the public (maybe a customer, a supplier, or a passerby) sues your business because they've been injured or their property has been damaged.
Unfortunately, it's not quite a piece of cake when it comes to flogging your sweet treats from home. There are food hygiene regulations to consider – and you'll likely need to take a Level 2 Food Safety Course before you can sell a single slice from your front door.
You will need to do the following to be permitted to make money by selling your baked goods from home: Register your business with your Local Authority. Take the relevant training for food hygiene at home. Prepare your home kitchen for a visit from the Environmental Health Officer (EHO).
Do you need public liability insurance for a cake business?
A simple lapse of concentration in what you are doing could lead to an injury or damage to a third-party. While delivering a celebration cake to a birthday party, you might have someone trip over your bag or equipment and injure themselves. This is why public liability insurance is vitally important.
Do I need to register my craft business with HMRC?
As a new business owner, you'll also need to deal with HMRC. It's important that you register as self-employed so you can pay your taxes. Then you'll need to keep up with tax deadlines for your business, filing your tax return and paying your bill on time (including corporation tax if you establish a limited company).
You can sell handmade online via your own store built with a platform like Shopify, on third-party marketplaces like Amazon and eBay, with niche sites like Etsy and Big Cartel, and on social media sites like Instagram and Facebook.
Can I sell products without registering as a company UK?
Every new business in the United Kingdom is subject to mandatory registration with HMRC. In fact, registering a business means informing the tax office that your business exists and paying all the necessary taxes provided by UK law.
The annual premium for £5,000,000 Public and Products Liability is £59.00. To include Employers' Liability, the premium will be £87.00. If you would like higher limits of indemnity for Public and Products Liability (£10,000,000) prices increase to £70.50 and £98.50 (with Employers' Liability).
