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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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.
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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.
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** Standard and optional cover may differ dependent upon insurer.
Frequently asked questions
As a business providing food to the public, you'll be adhering to the relevant health and safety and food production measures, but things can still go wrong. You need home baking public liability insurance to cover you if, for example, someone has an allergic reaction to your food and they make a claim against you. Public liability insurance isn't a legal requirement, but it can cover the costs of any compensation due and legal fees associated with claims.
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.
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 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.
Different types of charity shops have varying needs of protection. For example, your charity shop may sell everything from clothing and books, to electrical items such as televisions and sound systems, or you may need cover for fundraising events and activities. The policies that you include in your charity's insurance package may be influenced by a number of factors, including the size and nature of your charity, and the work it carries out. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.
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.
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.
Each bike shop has varying needs of protection depending on a number of factors. Your bike shop may have a complex range of bicycles ranging from road and cyclocross bikes to mountain and hybrid bikes. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.
For bike shops, stock insurance should be a high priority, especially given the value of the products you are selling. 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 busier seasonal periods when you may offer bikes and equipment that are more expensive or exclusive.
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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