Whether you're making and selling crafts as your full-time work, or as a part-time project, we can provide you with a quote for the covers you need to protect both you and 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.
Ceramics and glass
Engravers
Fashion and textiles
Fashion accessories
Leather goods
Metalwork and silversmithing
Furniture
Lighting
Plastics and resin
Works of art
Interiors and soft furnishing
Specialist crafts
The standard package includes the following insurance covers and additional benefits:
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.
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.
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.
'All risks' cover for contents, stock, machinery, and equipment
Cover for loss of profit and additional costs of working up to £50,000
If you cause injury to another person or cause damage to their property, then they may make a claim against you for compensation. Public Liability insurance will cover you for any compensation award made against you plus the legal fees to defend you.
Our craftworkers insurance includes cover for Products Liability, which will protect you for claims made against you resulting from the sale of faulty products.
If you employ someone to work for you then by law, you must take out Employer’s Liability insurance. Failure to have adequate cover in force could result in your business being fined. For further details about Employer’s Liability insurance being legally required, please refer to the UK Government website (note that Clear is not responsible for the content of external websites):
Yes, you can include cover for Business Property when you request the quote online, which can include any tools or materials you use for your business. What you must be sure to do is select the right replacement value for your Business Property when you run through the quote, otherwise you may end up being underinsured and this will affect the payment of any claim by the insurer.
Simply click on the Get a quote now button above/below and enter your details along with the level of insurance you need. Once the quote is displayed, read the important information documents provided and then decide if it’s the right policy for you. You can then pay securely online by card and get your proof of cover straight away.
In some cases, we might not be able to give you a quote online straight away. Usually this is because we need some more information from you. If it happens, we will contact you either by phone or by email to discuss what’s needed.
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