Christmas Market
Insurance

Specialist insurance for Christmas market event organisers and stallholders from only £25.99.*

  • Public Liability for Christmas Markets
  • Event cancellation cover available
  • Join 150,000 customers**

Save 10% Onlineˆ

From only £25.99* one-day event

Get a quote for Christmas market insurance

Select the option that best describes your role at the event.

Event Organiser

Stallholder

Trusted by thousands...

Our reviews speak for themselves, with highly rated feedback from over 3,000 customers.¹

What does Christmas market insurance cover?

Insurance for Christmas markets can cover you, whether you are an event organiser hosting a Christmas market, a seller at a Christmas fair or a Christmas market stallholder, there are a range of cover options to suit your requirements.

All our Christmas Market Insurance policies include Public Liability, which is designed to cover the costs associated with defending you against claims arising from the injury or death of a member of the public, or for the damage or loss of their property.

Cover limits differ for stallholders and caterers. Make sure you have the correct insurance for your event and be sure to check if any exclusions are relevant to what you have planned in policy documentation.

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Public Liability

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Event Cancellation

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Employers’ Liability 

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Event Money

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Event Equipment

Event Organiser

Stallholder

Why do you need Christmas market insurance?

Our Christmas market insurance is designed to protect those organising festive market in a variety of circumstances. We aim to support market organisers with their event responsibilities offering comprehensive cover and avoiding financial setbacks that may affect the success of your event. Here are some scenarios to help explain why you need Christmas Market Insurance:

 

Cover against claims if a member of the public gets injured.

Gatherings of people at Christmas markets brings risks of participants and members of the public getting injured. Someone may trip and fall over some lighting equipment, resulting in a claim against the event.

Ensure you have public liability to protect you against these incidents or damage to personal property caused by the event.

You are forced to cancel, abandon or postpone your event.

Organising an event carries the possibility of having it cancelled due to circumstances beyond your control.

Cancellation insurance could protect you against financial losses associated with non-refundable deposits, venue fees, and other expenses that may arise when events cannot proceed as planned.

An employee, temporary worker or volunteer suffers a workplace accident.

Event employees you hire may be at risk of accidents or injuries during their work. If employees or volunteers are involved in your event, employers’ liability is a legal obligation with fines of £2500 per day for failing to comply.

Accidental damage to event equipment.

During a Christmas market, equipment is likely exposed to a number of risks to damages that could be expensive to repair.

Event equipment cover can provide protection, allowing you to replace or repair items you’ve hired, leased, loaned, or own yourself.

Our experts explain why...

“Securing one-off event insurance is crucial in safeguarding your investment and mitigating unforeseen risks. Whether organising a Christmas event, concert, or corporate function, unexpected incidents can jeopardise your financial well-being. Event insurance provides a safety net, covering liabilities, cancellations, or property damage, offering peace of mind and allowing you to focus on creating memorable experiences rather than worrying about potential setbacks. It’s a wise investment that ensures your special occasion remains a joyous and stress-free affair.”

Chris Trotman, Protectivity Underwriting Manager

Making claims clear and simple

We work with our claims handling partners to make the process of making a claim as easy as possible.

Claims data as of 01.10.2024

£4.5million

paid in claims

£188081

largest claim paid

How much does Christmas market insurance cost?

Various factors will influence the exact amount you pay for Christmas market cover. For example, if you hire staff or use volunteers to help run your Christmas market you will need to add employers’ liability insurance, which will increase the amount of the premium.

At Protectivity, policies start at just £25.99* for a stallholder insurance policy and £45.56* for a Christmas market organiser policy.

Prices from

£25.99*

Explainer Quote

Policy cost

£45.56*

Policy type

Event Organiser

Event duration

1 day

Event type

Christmas market

Number of attendees

Up to 50

Public Liability

£1,000,000

Money cover

£2,500

Event equipment

£2,500

This example is based on a real quote from our website on 01/01/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.

Have a question?

For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.

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Help & Support

Find answers to your questions and other assistance.

Why choose Protectivity for your christmas market insurance policy?

Let the reviews of over 3,500 customers explain why you should choose us.¹

Trusted by over 150,000 customers.

Experienced insurance providers for over 30 years.

Over 3,500 highly rated reviews.

Proof of our excellent customer service.

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Experienced Claims Handling

A smooth and efficient claims process.

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UK Based Customer Support

Our UK sales team are here to help.

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This page content has been created for general information and should not be taken as advice.

*Prices quoted refer to a quote raised from our website on 01/01/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.

** Based on Protectivity sales data from 2007 to Sep 2024

ˆ10% discount for selected policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.

¹Based on live Feefo data