Whether you're making and selling crafts as your full-time work, or as a part-time project, our knowledgeable team can guide you on the covers you should consider to protect yourself and your business.
Whether you sell your products at craft fairs, in a physical shop or online, it's important to make sure you're covered if a claim is made against you or your business.
A customer could be hurt by a product that you have made and sold to them. Alternatively, a customer or passer by could be injured by your stall during an event, or an employee could suffer an injury caused by working for you.
Protect your business against claims made if your business activities have caused an injury or property damage.
For example, a visitor to your business premises trips and injures themselves, or your stock falls during a craft fair and damages the carpet.
Public liability claims can arise from a number of situations. It's important to have cover in place so that you and your business are protected should an accident happen.
At Clear, we offer Public liability cover up to £5 million for any one event.
Product liability insurance for crafters
Product liability insurance can protect you against the cost of compensation for:
Personal injury caused by a faulty product
Loss of or damage to property caused by your faulty product
Unforeseeable circumstances such as product faults that your quality control system failed to identify
At Clear, we offer up to £5 million of Product liability cover for any one period of insurance – which includes sales to the US and Canada.
Employers’ liability insurance for crafters
If your craft business has employees, you're legally required to have an Employers’ liability insurance policy in place.
This can protect your business against legal and compensation expenses from claims made by your employees. For instance, if an employee slips on a wet floor and injures themselves, they could make a claim against your business.
Most businesses in the UK are required to have at least £5 million of Employers’ liability cover; at Clear we provide up to £10 million of cover to craft businesses.
Other types of craft insurance available
The following valuable optional covers are also now available:
'All risks' cover for contents, stock, machinery, and equipment – starting at a minimum sum of £5,000 – it needs to be sufficient to repair or replace the property equal to its condition when new
Business interruption with a £50,000 set sum which insured per 12-month indemnity period
Cover for loss of profit and additional costs of working up to £50,000 following a valid property damage claim. Please contact us if you require a higher sum insured
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Want to know more?
Find more information from our knowledgeable professionals in these downloadable documents