Crafters Insurance

Yes, as long as you are selling handmade crafts, your policy will cover you to sell crafts in pop-up shops or temporary retail spaces.

Yes, as long as your handmade items comply with our policy terms, custom orders and commissions are covered under product liability insurance.

Yes, our policy covers you for selling at both online and in-person events. However, if you store stock or equipment at more than two locations, this would not be covered.

Our stock cover includes £250 as standard, which can be increased up to £3,000. If you create particularly high-value handmade items, you may require additional cover—please contact us to discuss your needs.

Our craft insurance allows you to sell certain homemade food crafts such as baked goods, artisan food and confectionary. You can see a list of activities when you request a quote.

Yes, equipment cover is included as standard up to £250, with the option to increase it to £10,000. This covers loss, theft, or damage to your craft tools and equipment.

No, this crafters insurance provides cover to sell handmade crafts, but not workshops.

Our craft policy does not include event cancellation cover. However, you can opt for our Stallholder policy which allows you to add event cancellation cover.

Yes, the key exclusions include:

• Upcycling projects (our policy is designed for handmade products made from scratch).
• Exporting products to the US or Canada unless specifically agreed with us.
• Theft of stock or equipment from unattended vehicles.
• Heat work away from your premises (except for hot air guns, soldering irons, or engraving tools, when agreed with us).
• Storing stock and equipment at more than two locations (one must be your correspondence address).

No, our standard craft insurance does not cover loss of income. The policy primarily covers public and product liability, as well as protection for your stock and equipment.

It is up to you to have the correct registration in place for your business, we will not ask you for these details when you buy a policy, but it may affect

Most standard home insurance policies do not cover business activities, including making and selling handmade crafts. Our craft insurance provides dedicated cover to protect you against risks such as liability claims and loss of stock or equipment.

Our product liability insurance covers claims of injury or property damage caused by products you sell. This insurance is essential for crafters, as it protects you from potentially costly legal claims arising from your goods.

Yes – we can offer insurance that covers you for multiple events within that period. This is often more cost-effective than purchasing separate cover for each event.

Once your policy is active, you’ll receive several important documents via email: your insurance certificate, detailed policy terms, a key facts statement, and any supplementary paperwork. These can all be forwarded to event organisers as needed.

Yes – at Protectivity, we understand last-minute bookings and can arrange cover quickly, often within 24 hours. To ensure swift processing, have all your event and business details ready when applying.

By law, you must have employers’ liability insurance if anyone other than immediate family helps at your stall. This includes both paid staff and volunteers, protecting you if they’re injured whilst working with you.

Public liability insurance is vital cover and is the foundation of any craft fair insurance policy. This protects you if someone is injured or their property is damaged at your stall. Many crafters also opt for product liability insurance to protect against claims arising from items they’ve sold. You might want to consider additional protection for your equipment and stock too.

Insurance isn’t a legal requirement, but it is advised. Most event organisers will ask to see proof of public liability insurance before you’re permitted to trade at their craft fair. This essential cover safeguards you should a visitor sustain an injury or have their belongings damaged whilst at your stall.

Yes, our crafters insurance is designed for selling crafts online.

Yes, cover for your Business Equipment and Stock is covered whilst in transit. If you are using other companies to carry these goods, then they should have their own insurance to cover your goods when they are carrying them, as they would be responsible for them should they be damaged or stolen.

Yes, if you are exporting your products around the world, you will need cover for this distribution. Worldwide cover is available, with additional terms for the USA and Canada.

Yes, should your stock incur damages, it will be covered up to the value of £250, with the option to increase up to £3000.

No, not for the majority of crafts, your insurance restricts you to use heat equipment, only at your permanent premises. The exception is for hot air guns, soldering irons and/or engraving tools only.

This depends on your agreement with your subcontractors. Labour-only subcontractors (working under your direction) can be included on your policy of insurance, for work they provide under contract with yourself and your business only and should be included in the total numbers you provide in this application of insurance.

Bona-fide subcontractors (working under their own direction) will have to have their own insurance cover and cannot be included on your insurance policy but you will be obligated to retain proof of their insurance.