Public Liability Insurance For A Craft Stall
Introduction
Running a craft stall can be a fun and rewarding way to showcase your creativity and sell your handmade goods. However, it's important to remember that as a stallholder, you are also responsible for ensuring the safety of your customers and the general public. This is where public liability insurance comes in.
What is Public Liability Insurance?
Public liability insurance is a type of insurance that protects you from financial loss if you are found to be responsible for causing injury or damage to a member of the public. This could include customers, visitors to your stall, or even passers-by who are injured by your stall or products.
Why Do You Need Public Liability Insurance?
As a craft stallholder, you are responsible for the safety of your customers and the general public who visit your stall. If someone is injured or their property is damaged as a result of your stall or products, you could be held liable for the costs of any medical treatment, repairs or legal fees that may arise.
Public liability insurance can help protect you from these costs, giving you peace of mind and allowing you to focus on running your stall and selling your products.
What Does Public Liability Insurance Cover?
Public liability insurance can provide cover for a range of incidents, including:
- Personal injury to a member of the public, including customers and visitors to your stall
- Damage to property belonging to a member of the public
- Legal fees and expenses if you are sued by a member of the public
How Much Public Liability Insurance Do You Need?
The amount of public liability insurance you need will depend on the size and type of your craft stall, as well as the level of risk involved. Some events or markets may require you to have a minimum level of cover, so it's important to check the requirements before you attend.
As a general rule of thumb, it's a good idea to have at least £1 million of public liability insurance in place. However, if you have expensive products or are attending larger events with higher levels of footfall, you may want to consider increasing this amount.
How Do You Get Public Liability Insurance?
There are a number of insurance providers who offer public liability insurance for craft stallholders. You can often get a quote online or by speaking to an insurance broker who specialises in this area. It's important to shop around and compare quotes from different providers to make sure you get the best deal.
Conclusion
Public liability insurance is an essential type of insurance for any craft stallholder. It can help protect you from financial loss if you are found to be responsible for causing injury or damage to a member of the public, giving you peace of mind and allowing you to focus on running your stall and selling your products.
