Get a quote for craft fair insurance
Select the option that best describes your role at the event.
What does craft fair insurance cover?
Our insurance for craft fairs provides essential cover, designed for individuals selling handmade items at craft fairs. We offer competitive pricing and the flexibility to add extra benefits to suit your needs. Public liability for craft fairs in included as well as equipment and stock cover. Choose the level of cover best suited to you, depending on the size of your craft business.
Our policy can cover hundreds of different arts and crafts activities and are suited to hobby businesses, growing side hustles, established businesses and more. So, whatever you sell at craft fairs we can adapt your policy for the cover you need.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Product Liability
Equipment
Stock
Employers' Liability
Public Liability
- Up to £5 million available.
- Protection from claims by a third-party (EG member of the public) who sustains injuries or has their property damaged as a result of your actions.
Product Liability
- Up to £5 million available.
- Protection should you receive any claims arising from any products and goods supplied by you to other parties, who may then sustain an injury or damage to their own property.
Equipment
- From £250 and up to £12,000
- If your craft tools are lost, damaged or stolen, your equipment can be covered up to the value you select.
Stock Cover
- From £250 and up to £12,000
- If your stock is lost, damaged or stolen, it can be covered up to the value you select.
Employers’ Liability
- Up to £10 million available.
- If any employee suffered physical injury or a fatality because of the employer’s negligence. If that staff member sought compensation, the insurer would handle the cost of the claim.
- If you employ any staff members, Employers’ Liability is a legal requirement.
For information on exclusions in your cover please refer to policy documentation.
Public Liability
- Up to £10 million of cover.
- Protection from claims filed by a third-party who sustain injuries during the event or have their property damaged.
Equipment
- £2,500 worth of equipment cover included.
- Add up to £50,000 of equipment cover.
- Protecting simple or specialist equipment whether it be tables and chairs at a fair or more specialist audio equipment for concerts.
- Protection from theft, provided reasonable precautions are taken.
- Cover for equipment in transit, to and from the event.
- Replacements or repairs reimbursed to the value of cover selected.
Event Money
- £2,500 worth of event money cover included.
- Add up to £50,000 of event money cover.
- Cover provided for the physical loss of money at an event venue or whilst in direct transit between the venue and a bank.
Event Cancellation
- Cancellation, postponement or interruption of the event for various unforeseen circumstances beyond your control.
- Protection from significant losses such as the non-recoverable expenses associated with organising and promoting the event, but also from potential revenue loss from ticket sales, sponsorships, merchandising, and more.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
- Subcontractors for the event, they should have their own liability cover.
- Money left unattended unless in a locked safe.
- Financial failure and lack of support for the event.
For further information on exclusions in your cover please refer to policy documentation.
Public Liability
- Up to £10 million of cover.
- Protection from claims filed by a third-party who sustain injuries during the event or has their property damaged as a result of your negligence.
Equipment
- £2,500 worth of equipment cover included.
- Add up to £50,000 of equipment cover.
- Protecting simple or specialist equipment whether it be tables and chairs at a fair or more specialist audio equipment for concerts.
- Protection from theft, provided reasonable precautions are taken.
- Cover for equipment in transit, to and from the event.
- Replacements or repairs reimbursed to the value of cover selected.
Event Money
- £2,500 worth of event money cover included.
- Add up to £50,000 of event money cover.
- Cover provided for the physical loss of money at an event venue or whilst in direct transit between the venue and a bank.
Event Cancellation
- Cancellation, postponement or interruption of the event for various unforeseen circumstances beyond your control.
- Protection from significant losses such as the non-recoverable expenses associated with organising and promoting the event, but also from potential revenue loss from ticket sales, sponsorships, merchandising, and more.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
- Subcontractors for the event, they should have their own liability cover.
- Cancellation, abandonment and postponement is not available when the event is taking place within the next 14 days.
- Money left unattended unless in a locked safe.
- Financial failure and lack of support for the event.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need craft fair cover?
When customers buy your handmade crafts at an event they will have certain expectations of quality and experience, no doubt you will provide your best service. However sometimes things go wrong and it is highly recommended you have specialist craft fair insurance to protect you when they do.
Protectivity help protect you with the craft fair insurance you need when incidents happen, so you can focus on showcasing your products without worrying about costly financial repercussions.
Here are a few scenarios to help explain why you need crafters insurance:
Protection from claims due to public injury.
If a customer trips and falls over an item you sell on your stall, you could be liable to a substantial claim.
Public liability insurance for craft fairs can provide cover in such scenarios.
An item you’ve made breaks and injures a customer.
Imagine an item you’ve crafted breaks and causes injury to a customer. In such cases, the customer may bring a claim against you.
Product liability insurance tailored for crafts can cover incidents related to your products, safeguarding you from potential legal consequences.
Protection if your craft equipment or stock is damaged.
Travelling to and from craft fair events brings greater risks to your expensive tools and equipment, which could potentially become damaged or lost.
Having crafters equipment cover can avoid costly and time-consuming repairs and replacements.
An event or venue asks for public liability to sell your crafts.
Your craft fair venue may expect proof of public liability for events as a minimum before if you are taking part as a stallholder.
Our experts explain why...
“As a crafter, whether you’re running a home-based side hustle, selling at local markets, or operating a small business online, having the right insurance is essential. Crafters Insurance protects you against potential claims of injury or damage that could arise from your handmade products. Without proper coverage, you could face significant financial losses. Our Crafters Insurance ensures you can focus on your creativity and business growth without worrying about unexpected liabilities. Protecting your passion and livelihood with the proper cover is the smart choice.”
Chris Trotman, Protectivity Underwriting Manager
How much does craft fair insurance cost?
Every craft business will be unique so, the cost of craft fair insurance can vary depending on what you offer and the level of cover you need. For example, if you use specialist equipment to create your items you may need to increase the value of cover.
At Protectivity policies start at just £3.71* a month.
Prices from
£3.71* a month
Explainer quote
Policy cost
£3.71* a month
Policy type
Craft Fair
Duration
Annual
Turnover
£50,000
Public Liability
£1,000,000
Product Liability
£1,000,000
Equipment
£250
Stock
£250
This example is based on a real quote from our website on 1/10/2024. 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.
Which crafts are covered by our arts and crafts policies?
If your craft isn’t listed – don’t worry, we’ll likely still be able to offer cover. Speak to one of our team to discuss your query further.
Crafts covered
Our crafter’s insurance policy covers several different types of craft businesses.
- Textiles
- Paper Crafts
- Handmade Jewellery
- Furniture and Wooden items
- Fashion Accessories
- Arts & Paintings
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.
Why choose Protectivity for your craft fair 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.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Crafters Insurance
Am I covered to sell my crafts online?
Yes, our crafters insurance is designed for selling crafts online.
Are my products covered in transit to my customers?
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.
Does your insurance cover me to distribute products overseas?
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.
Is my stock covered?
Yes, should your stock incur damages, it will be covered up to the value of £250, with the option to increase up to £3000.
Does your policy allow me and my staff to provide work using Heat away from our Premises?
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.
Can I include liability cover for subcontractors I use to aid my business?
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.
One-Off Event Organiser Insurance
Can you cover my event outside of the UK?
We are only able to provide cover for events taking place within the United Kingdom.
I am not a UK resident, can you still cover my event?
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.
What level of Public Liability do I need for my event?
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.
How close to my event should I purchase my insurance?
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.
Do I need to take out Employers’ Liability for volunteers?
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.
What constitutes ‘Adverse Weather’?
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.
My event takes place next week, can you still cover it?
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.
Can you cover an event that has a fireworks display?
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.
Can you protect against adverse weather?
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.
Does the policy cover those with stalls or exhibiting at my event?
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.
Can you protect against non-appearance?
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.
Are there any activity types that you are not able to cover?
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.
What is included under ‘Event Equipment Cover’?
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.
What is the maximum length of time my event can last?
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.
Will I need Employers’ Liability Insurance?
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.
Will One-Off Event Insurance cover me for hiring out a venue?
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.
Discover more from Protectivity
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 01/10/2024. 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 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