Craft Business Insurance

Focus on Making and Selling your Crafts Knowing you have the Right Cover in Place to Protect your Business

As an insurance broker, we’ll help you work out what craft business insurance you need, search our selection of insurers and gather suitable quotes. Then once you’re happy with a suitable policy, we’ll get your cover set up – no stress, no fuss.

Your craft business insurance requirements will vary depending on the type of crafts you do. We can cover a wide range of crafts, and have a variety of different covers available for you to choose from, so contact us to find out more.

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Accidental damage.
Book debts/accounts receivable.
Buildings cover.
Business interruption.
Contents and stock.
Embedded machinery breakdown.
Employers liability.
Glass.
Goods in transit.
Legal expenses.
Money at home of insured or authorised employee.
Money on premises or in safe.
Money on the premises outside business hours.
Personal accident.
Public and products liability.
Theft of takings.
Tools.

Why Craft Business Insurance is Important

Craft public liability insurance covers you if a member of the public hurts themselves in your shop, or their property gets damaged. For example, if someone trips over a box or a cable, you could be liable for their injuries. The right insurance can help you cover the costs of paying out a claim.

Depending on what you sell, your products could also have the potential to cause harm to your customers. The crafts you’ve made could be sharp and cause injuries, or things like soaps could cause skin irritations. Product liability insurance can protect your business and cover the costs if your customers bring a claim against you. Even if you only sell your products at certain times of the year, like at Christmas, it’s important to have cover all year round, because your cover needs to be in place when the injury or damage occurs, not just when you sold the product.

Without the right insurance in place, recovering from a claim or loss is down to you. A craft business insurance policy, tailored to your needs protects you, your business, your staff, and your customers, so you can focus on your craft.

Get Craft Business Insurance

We will do the hard work and find the right business insurance at the right price for you. So you can focus on your business knowing you’re well protected. Contact us now.

Did you know we can also arrange craft fair insurance and shop insurance?

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

Frequently asked questions

Cafe and coffee shop insurance costs can vary depending on the level of cover you need. For example, you will usually need standard covers like employers' liability if you have staff and public liability if your customers have an accident. But if you also have a larger coffee machine that would be expensive to replace, you're likely to need extra cover. Over the last 12 months 50% of our cafe insurance customers paid less than �452.80 per year, but the lowest premium was �229.* *Data compared from 710 policies sold in 2020.

Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely to be interacting with members of the public on a daily basis, which means there's a risk of your charity's activities causing injury, illness or property damage to a third party. If an unexpected situation occurs, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation.

If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee's negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing.

The cost of your insurance policy depends entirely on your needs. Our flexible policies can adapt to fit your requirements and your budget too. Multiple options may be available from our range of insurers - each with different features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you.

As you constantly have members of the public filtering in and out of your supermarket, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or their property is damaged as a result of you or your employee's negligence. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. Stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around key dates when you would carry goods that are more expensive than usual, like at Christmas for example.

Each supermarket has varying needs of protection. For example, your supermarket may have an onsite bakery or you may have a large amount of frozen stock that you need to insure. Speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.

The cost of your insurance policy depends entirely on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers - each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you.

Some types of insurance may be a legal requirement. Others will protect you and your supermarket in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your supermarket could be a false economy. For example, if you don't have public liability insurance and a customer trips over a box left on the floor you may be liable to pay costs of compensation. Therefore, it's important to consider all the risks facing your supermarket and match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.

Some types of insurance may be a legal requirement. Others will protect you and your bike shop in the event of a claim but are not compulsory. Not having the right insurance for your bike shop could be a false economy. For example, if you don't have public liability insurance and a customer trips over equipment or boxes on the floor you may be liable to pay costs of compensation. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.

smei is always best. We have more than 10 hair salons and they never forget the renewal time, never renew the policy without asking, customer service always polite and solve any problems quickly. Also I can see all of my policies on their portal, no waste of paper, everything online. Thank you smei!
Rana Dincer

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Focus on Making and Selling your Crafts Knowing you have the Right Cover in Place to Protect your Business

You Could Save Over 20%*