Why do I 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.

Do you need public liability insurance for craft stalls?

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 I need insurance to sell homemade crafts?

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.

Do I need public liability insurance for a hobby?

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.

Do I need insurance to run a craft workshop?

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.

What insurance do I need for a craft fair or farmers market?

Do I need insurance to sell handmade crafts UK?

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.

Do you need insurance for a small craft business?

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.

What does public liability insurance not cover?

Public liability insurance does not cover employees, temporary staff, students or people on work placements – for this you need employers' liability insurance.

Do I need insurance to sell cakes from home?

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.

What insurance do I need as a baker?

The two main types of insurance that you will require are Public Liability Insurance and Product Liability Insurance.

What insurance do crafters need?

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.

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.

How much does public liability insurance cost UK?

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.

What do I need for a craft fair stall?

What do I need to have a stall at a craft fair?

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.

Can I sell cakes from home as a hobby?

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.

Is it illegal to sell homemade cakes?

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).

Can I sell cakes from home without a license UK?

You need to register as self-employed when starting a food business, even if you are part-time or have another job. You should register at GOV.UK to verify your account and confirm the specifics of your food business. Failure to register may result in a fine.

Can you get public liability insurance for one day?

In appropriate circumstances, it is possible to get temporary public liability insurance cover. However, this type of insurance is primarily designed to cover specific one-off events. If contact with the public is more regular, or you plan to host multiple events, you should opt for a longer policy term.

How much does public liability insurance cover?

Public Liability insurance can cover compensation claims made against you for injury or property damage to third parties such as your customers, suppliers or any other member of the public who comes into contact with your business.

Do you need public liability insurance on private property?

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. If you are hiring a venue, they may require you to have insurance protection as part of their terms and conditions.

How much is crafters insurance per year?

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).

Can you make a living off a craft business?

Yes, you can make money from a crafting business.

You'll need to invest in equipment, supplies and time if you want your business to succeed. If you have a hobby that you enjoy and are good at doing it, there's no reason not to turn it into a small business!

Can I start a craft business from home?

Many craft business owners sell at local craft markets or through partnerships with local merchants. Others join an online marketplace like Amazon Handmade or Etsy. You can also start an online craft business by launching your own online store. You don't need an expensive and complicated website to get started.