What is covered by event insurance?
Why is event insurance necessary? From 1-day events to stalls and exhibitions, Insure Our Event’s event insurance policies cover a wide range of disciplines. Whether
November 16, 2021
Handmade Craft Fair Insurance for crafters and entrepreneurs.
Are you attending an craft fair event as a seller? Then you need crafter’s insurance to protect your business and your buyers .
Are you hosting a craft fair event as an organiser or event runner? Then you will need liability and cancellation insurance.
The Best Craft Fair Insurance – Now available from £25*
Preparing your handmade treasures for an event can take weeks, as well as a lot of time and money. Every interaction with the public brings with it a series of risks. Crafters and craft fair sellers possess the same risks as a small business, and therefore will require effective business liability insurance. Selling any handmade items can result in a claim being made against you, by buyers or employees. Should an accident happen, you may be left facing a hefty claim for injury, damages and legal costs. This is why it’s important to purchase comprehensive craft fair insurance.
Most stallholders will be required by law to have public liability insurance. Insure Our Event also recommends event equipment cover, event cancellation cover and employers’ liability insurance.
Public Liability insurance for Craft Fairs
This affordable craft fair insurance policy will protect crafters and sellers from a wide array of eventualities. Public liability is essential, and employers’ liability is a legal requirement if you work with employees or volunteers. If an accident happens with your stall, you would be covered for the cost of legal fees if the injured party was unable to work, be they staff, a volunteer or a member of the public. With adverse weather insurance, if bad weather prevents the event going ahead, crafters would be covered for the loss of revenue and the cost of travel and equipment hire.
Whether it be at a village fete, a town market stall or at a local craft fair, Insure Our Event will assess your needs and requirements and curate the perfect policy for you. Our craft fair insurance is flexible, able to cover only the areas you require for the ideal tailored policy.
For organisers looking to host a market, see our Exhibition Event Insurance for more information.
For stallholders looking to sell commercial wares, see our Market Stall and Stallholder insurance.
What types of craft stalls do we cover:
- Temporary craft stalls in store or shopping centres
- Temporary structures at events
- Craft Stalls within a public market
- Tents or marquees
- Live craft workshops and exhibitions
What does Craft Fair Insurance cover?:
- Mandatory public liability cover for crafters and traders
- Employers’ liability cover for craft fairs, insuring your employees and volunteers
- Hired or purchased equipment insurance for craft fairs, ideal for stalls or workshops whereby there is risk of accidental loss or damage
- If you are permitted no access to customers due to cancellation or postponement of the event
- Craft Fair Stock insurance incase stock gets damaged or stolen
What does Craft Fair Insurance not cover?:
- If no-one buys your product at the venue
- Financial loss in direct relation with COVID-19
- Anything covered by third party insurance, such as the organiser’s exhibition insurance or the venue’s insurance
Risk management of your stall at an event is vital for reducing the likelihood of a claim. It also significantly reduces the chances of legal costs and damages. Insure Our Event has created a “Spot The Risk” test, demonstrating the risks involved in running any type of event. We’ve also created a risk management checklist to help crafters assess their set-ups.
If you utilise the services of employees or volunteers at your craft business, you will require employers’ liability insurance.
If you want to be covered against injury, damages or theft, then public liability for handmade crafters is essential and highly recommended. Many event organisers will require evidence of your public liability insurance in order to allow you to trade at their event.
The price will differ depending on various factors, including risk factors and cover limits. At Insure Our Event we are able to offer comprehensive insurance package from £25 per event. For an accurate instant quote, fill out Insure Our Event’s quote form.
It is mandatory for craft traders at public events to purchase their own public liability insurance. It is a legal obligation to possess employers’ liability insurance when using volunteers or employees. Other insurance policies such as event equipment cover, cancellation cover and adverse weather cover are recommended and can easily be adopted into your quote.
To have their finances fully protected, craft fair traders need to invest in a comprehensive insurance policy from Insure Our Event.
To run a market as an organiser, you should consider our one-off event insurance. This is for organisers who require a risk assessment and a flexible insurance policy in order to effectively cover the finances of their event. Insure Our Event provide a variety of covers related to events, able to curate bespoke insurance plans tailored to any occasion.
To learn more and contact an insurance professional to explain your requirements, contact us on 0344 488 9207.
Craft Fair Insurance options to consider…
Public Liability Insurance, Employers’ Liability, Equipment Cover, Event Cancellation Cover, Additional Cover
*£25 premium is based on an event with up to 50 attendees and public liability cover of £2m and excludes Employers Liability, Property, Money & Cancellation cover. Prices will vary dependent on event size and cover required. Complete our instant quote form for a tailored quote for your event.
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Talk to us
Insure Our Event is a specialist event insurance broker. We work with insurance companies to get you the best possible cover at the best price. Just let us know a few details about your event and we’ll do the rest.