Does public liability insurance cover market stall?
Public Liability insurance can typically cover your business against claims made for: Damage caused by you to someone else's property or belongings while you're working, or caused by the products you sell on your market stall.
Do you sell food or drink to the public from a stall or a cart? Our Street Food Liability Insurance is based on our Catering Liability cover so includes Employers' Liability and Public/Products Liability but is designed for the smaller trader in mind – we offer discounted premiums for smaller businesses.
Because being a market trader means being around other people (and their belongings), public liability insurance is an important type of cover to consider. It protects your business against the costs if you cause accidental damage to somebody else's property or accidental injury.
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.
This covers your liability for damage to property or injury to a third party that occurs in your designated market stall or exhibit area. Public Liability insurance covers your liability for damage to property or injury to a third party that occurs in your designated market stall or exhibit area.
The costs associated with hiring a stall or pitch in a market can vary significantly. Some markets charge a per-day price, with certain days of the week or times of the year being more expensive than others. Daily costs usually vary between £20 and £100. Permanent markets may charge you a weekly, monthly or yearly fee.
Compare public liability insurance and get cover from £39 a year. 10% of customers paid up to £38.54 for public liability insurance with Simply Business. Figure based on annual quotes purchased between July 2023 and September 2023.
While public liability insurance is not a legal requirement at craft fairs, it is highly recommended and some craft fair event organisers will want to see evidence of craft stall owners' public liability insurance policies.
Do you need public liability insurance to sell crafts?
You will need public liability insurance if your business requires you to come into contact with members of the public. This can include crafters who own shops, or visit customers' homes, as it covers the cost of compensation claims made against you for injury, or damage to someone's property.
Public liability insurance is a must since you will be interacting with the public. With this insurance, you and your business will be covered from legal compensation costs that may arise due to injury or damage caused as a result of your products or business operations.
Do market traders need public liability insurance?
For market traders and stallholders, having a good public liability insurance policy is super important. Failing to take one out could be a costly mistake. It could even end up costing you your business.
Market traders' insurance helps protect the interests of sellers at markets, craft fairs, festivals and other pop-up events. It typically includes public liability insurance as standard - so you're covered if you cause injury to a member of the public or damage property.
Who needs a market trading licence? You'll need a street trading licence if you want to sell goods or commodities and food and drink from the road, footpath or any other part of the public highway.
Do I need insurance to make and sell food from home? Yes, you should still be insured if you are making and selling food from your home. If members of the public come to your place of work, being your home, or you visit their home, public liability is a key policy worth purchasing.
There is also the issue of insurance. Anyone turning their culinary passion into a profit needs to ensure they have the correct cover in place to protect against the risks associated with running a home food business. If you are thinking about it, you will need to have the right food liability insurances.
Many market organisers mandate public liability insurance for market stalls (and sometimes product liability) before you can sell your wares at their markets.
Do I need public liability insurance if I'm employed?
The law doesn't require you to have public liability insurance, but that doesn't mean you don't need it in certain circumstances. The only compulsory insurance cover you need is employers' liability insurance if you employ staff (even if they are volunteers).
You can find yourself facing a claim for any number of reasons. If you come into any contact with the public, you should consider public liability insurance – even if it isn't often.
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.
There is no UK law requiring market traders and stallholders to have insurance. However, some market and fair organisers may require their traders to have public liability insurance to set up a stall at an event.
Craft stall insurance is suitable for any business, or individual, who manufactures its own products and sells them at fairs or markets. Having insurance to run a craft stall or business is not a legal requirement.
One Day Event Public Liability Insurance. Even if you're running a one-day event for colleagues, friends, family or the public, it's always worth taking out public liability insurance for one day.
What does public liability insurance not cover UK?
Public liability insurance does not cover employees, temporary staff, students or people on work placements – for this you need employers' liability insurance.
Can a private individual have public liability insurance?
There is no legal requirement to have public liability insurance for a private party, but it is recommended – even if the party is being held at your business premises.
The main disadvantage is that you may need a much larger venue or outdoor space which may be hard to secure, particularly for a low rent or without the need for street trading licences if it's outside. You may also need a lot more helpers to run all the stalls at a market, unless producers run them.
