Craft Fair Insurance

Public Liability Insurance covers injuries caused by displays or falling items, provided that reasonable precautions have been taken.

Equipment cover protects electrical tools and displays against theft or damage. Public liability insurance covers injuries caused by faulty equipment.

If you need event cancellation cover, you should opt for a Stallholder or Event Organiser policy.

Each vendor should have their own Craft Fair Public Liability Insurance, as one policy does not cover multiple businesses.

You can opt for our Stallholders or Event Organiser policies. With equipment cover you can select up to £50,000 in protection for specialist event and stall equipment, including tables, chairs, lighting, and audio-visual setups.

No, this would be the responsibility of the event venue.

Yes, you will need to declare if the craft fair is an indoor or outdoor event when you get a quote. We can provide cover for both option but there may be a difference in price depending on the circumstances.

No, our crafters or stallholder policy allows you to sell crafts but does not cover for demonstrations or workshops.

No, alcohol sales are not covered and will require a separate liquor liability policy.

Yes, Public Liability Insurance covers accidental damage to the venue caused by your stall setup as a stallholder as well as protecting event organisers if damages are caused to the venue during the event, including accidental damage by attendees.

You should opt for an Event Organiser policy which includes Public Liability Insurance, Event Cancellation Cover, Employers’ Liability (if hiring staff), and Equipment Cover, which are all essential for protecting against financial losses, liabilities, and unforeseen event disruptions. Our event policy allows you to select either a one-off craft fair event or multiple events throughout the year.

Yes, Event Money Cover is available if you select a Stallholder or Event organiser policy, with up to £50,000 of protection against the physical loss of money at an event venue or during transit to a bank. However, money left unattended unless secured in a locked safe is not covered.

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.

Yes, event cancellation is covered under our Event Insurance policy, however please note this is not available for weddings and must be purchased more than 14 days before the event is due to take place.  You can obtain a quick quote on our website for cancellation cover up £10,000, to be covered above this please contact us on 01494 887909.  

No, our Event Insurance policy does not offer any cover for cyber related incidents or data loss.  

You can add up to £50,000 worth of cover, depending on your requirements.

We are only able to provide cover for events taking place within the United Kingdom.

Our policy is designed to cover events organised by UK based individuals and organisations. Therefore, if you are not based in the UK, we are unable to offer cover.

We cannot recommend which level of cover you need for your event, but if you are hiring a space from a Local Authority or another third party we advise you to check with them whether they require a minimum level of Public Liability.

You should take out your One Off Event Insurance policy as early as you can. By purchasing your cover at the earliest opportunity, you are giving yourself the maximum protection against cancellation. If you require cancellation cover, you need to give at least 14 days notice to purchase this cover, you will be unable to buy cancellation cover within 14 days before the start of the event.

If you have anyone working for you, whether they are paid or otherwise, you legally must take out Employers’ Liability. The only exception is if those staff are bona fide sub-contractors with their own Public Liability of at least £2 million.

For your policy’s Cancellation cover to come into effect under the Adverse Weather clause we require either a health and safety official or appropriate emergency authority to certify that it is dangerous or reckless to hold the event. We may require you to provide photographic evidence and Met Office records in the event of a claim under this benefit.

Yes we can offer cover for an event even in the week it is happening. Please note that for any events taking place within fourteen days, there will be no Cancellation Cover.

Yes, if you’re planning to have a firework display we can consider providing you cover for this event. There are two event types available, these are fireworks and bonfire displays provided by yourselves (the insured) and those displays provided by professional third party pyrotechnical companies, whom have their own insurance to provide fireworks and/or bonfire displays. Please make sure to apply for the correct one depending on which on applies to your event.

Yes, we can consider cover for non appearance of key person(s). This may need to be considered by ourselves prior to giving a definitive answer and a quotation but you can opt to enquire about this during the quote process by selecting Cancellation Cover and then the Non-Appearance extension within this cover.

Any independent stallholder, exhibitor or tradesman that works, sells or exhibits at your event should hold their own Public Liability Insurance. Our Multi Event Insurance policy is designed to cover you as the event organiser for your Liability.

If you have your own stall at events, then take a look at our Stallholder Insurance policy.

Yes, we can consider cover for non appearance of key person(s). Opt to enquire about this during the quote process by selecting Cancellation Cover and then the Non-Appearance extension. Cover will be considered on a case by case basis.

Yes, we have a list of ‘Hazardous Activities‘ that we are unable to cover on this policy.

If there will be any third parties exhibiting or trading at your event who will be engaging in any of these events, they must have their own Public Liability insurance in place.

We can cover equipment you use for your event excluding motor vehicles, money, perishable goods and paintings, whilst they are in use at the event and in transit to and from the event only.

If you are the event organiser then we can provide cover for events lasting up to 30 days in duration. If you will be attending as a stallholder, we can provide protection for a single event that lasts up to 14 days.

If you have any volunteers or paid staff at your event then you will need Employers’ Liability as a legal requirement. We would expect all sub-contractors to have their own insurance.

Yes, our One-Off Event Insurance is suitable if you have been asked to purchase public liability insurance by the owners of a venue or local authority. Public Liability considers claims for third party property damage, so the venue you have hired for your event, as long as it’s not your property, can be considered as third-party property.

Our policy covers the following stall types: Arts & Crafts, Bags & Accessories, Books, Bric-A-Brac, Christmas Gifts, Clothing & Accessories, Food, Gifts, Greetings Cards, Jewellery & Accessories, Media/Photography & Technology, Merchandise, Novelty Gifts, Pet & Animal Accessories, Plants & Gardening Accessories, Promotional Material, Skincare & Cosmetic/Beauty Products, Stationary, Tombola & Raffle and many more.

No, this policy is designed to cover individual stallholders, selling a product or exhibiting items. It is not designed to cover the organisers of an event against claims. If you are an event organiser, take a look at our Event Insurance product which can cover you for one-off events or multiple events throughout the year.

No, the liability insurance on this policy does not include liability arising from any products you sell on your stall.

We provide cover for up to 14 days under our Single Event Stallholder Insurance policy (including set-up and set-down).