Public and Products Liability

Public and Products liability covers claims brought against you for damage to third-party property or bodily injury to any member of the public. This includes a claim against any employee or volunteer worker of yours when they are acting on your behalf in whatever capacity.

  • £1 million is the minimum limit we offer (you can increase it to £2 million, £5 million or £10 million)
  • Covers legal defence costs and compensation you owe.
  • Zero excess
  • Worldwide cover, however limitations apply to USA/Canada
  • Covers online sales
  • Short period cover available


How much Cover do I need?

We cannot advise you which limit of liability you should choose. The minimum cover is £1,000,000. Some organisers / venues ask for a higher limit. It is wise to check with the venue / organiser. Otherwise it is your choice and what you feel comfortable with.

You can enhance your cover with these optional extras:

You can add these optional extras when you apply for our public liability insurance, however please be aware that adding any additional cover will increase your premium.

Employers Liability

Cover that protects you against injury or illness claims from your employees.

  • £10 million protection as standard (The legal minimum is £5 million)
  • Covers legal costs and compensation for illness and injury claims made by employees.

For additional information on employers’ liability click here

Business Items

Cover that protects the essential items you need to run your business against loss, damage or theft.

The standard excess is £50 for each and every claim.

For portable electronic equipment or stock incorporating precious metals or gemstones, the excess is £250.

  • Saleable Stock:
    Finished handmade items created and sold by you, or in your care. Please insure at the trade market value.
  • Materials, moulds & templates:
    Raw materials (including work in progress), moulds and templates used to produce your stock. Please insure at the replacement cost to you.
  • Craft tools / equipment:
    Hand tools, machinery and equipment used by you during the creation of your handmade items. Please insure at the replacement cost to you
  • Event Equipment:
    Electronic card readers, stands, tables, stalls and associated equipment other than portable electronic equipment used by you at an event to display and sell your stock. Please insure at the replacement cost to you.
  • Portable Electronic Equipment:
    Portable equipment used by you, including laptops and tablets, mobile phones and smart phones, cameras, video cameras and other media recording devices and accessories. Please insure at the replacement cost as new.

You can insure as much or as little as you wish. The quotations are based directly on the amount you insure, so it’s best not to insure more than you have, otherwise you’ll be paying for extra cover that you don’t need, and can’t claim.  If you have £5,000 of stock, but insure £10,000, if you lost everything, and needed to make a claim, you could only claim for what you had, ie £5,000.



Benefits of Craft Insurance

  • Public and products liability - up to a limit of £5m indemnity
  • Employers liability – limit of indemnity £10m
  • Cover for Loss/theft/damage to your tools, event equipment, stock, materials, moulds and templates
  • The costs of replacing locks or keys following a theft of your craft related goods
  • Loss of money held in connection with your craft business for up to £500
  • Cover for expenses incurred by you following the cancellation of an event by the organiser for up to £250