Crafters Insurance
Instant cover from just £3.71 a month*
FREE CANCELLATION! Limited Time Only!
To give you greater flexibility you will not be charged a fee should you need to cancel
your policy. T&C’s apply.
Who needs craft insurance?
If you create handmade crafts in the UK, which you sell online or at craft fairs, it is highly recommended you have specialist crafters insurance to cover you from unexpected incidents. Public Liability insurance for crafters will protect you should a Third Party (e.g. a customer or member of the public) bring a claim against you.
Product Liability Insurance, specially designed for crafters, is required for crafts you make that may accidentally cause damage to a customer (or 3rd party using your product). For example, if a stool you have made and sold collapses and causes injury, this will cover you if a claim is made.
Typically, you will need an craft insurance policy, but for those involved in short-term or one-off events, such as a craft fair, you may not need annual cover, but should ensure you have the appropriate Craft Fair Insurance in place. Depending on your craft, you may also have stock, tools and equipment you wish to cover from loss, damage or theft, at your premises and whilst temporarily away from your premises.
If you employ staff or subcontract labourers for your craft business, you will need Employers’ Liability to protect you from claims that may include individuals becoming injured or falling ill due to your employment. Find out more from our sales team who are available Mon-Fri, 9am-5:30pm, on 01494 887909.
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Why choose us for your Crafters Insurance?
Cover for selling online & at events
Our craft insurance policy will cover you for selling your craft products online to UK and overseas customers. It will also cover you for selling your items at events like craft fairs and markets.
Variety of crafts covered
We cover a wide variety of different craft specialisms, including jewellery makers, bakers, potters, painters, candle makers and many more. Request a quote to check what category your craft falls into.
Monthly Payment Options
We are one of the only online Crafters Insurance providers to offer monthly payment plans with 0% APR. This means you can spread the cost of your cover across 10 months.
Excellent Claims Handling
Our specialist UK based claims handlers aim to deal with any claim you have, minor or serious, quickly, without causing disruption to your business.
What is covered with art and craft insurance?
Depending on the size and requirements of your business, you have the option to tailor the level of insurance for your craft business. Request a quote and select the insurance policy that is appropriate for you.
Public Liability Insurance for Crafters
Choose the level of public liability you require based on your business. Have cover to protect you against accidental damage or injury. For example, if a client comes to collect a craft you have made and trips and injures themselves on your premises, you could be liable to a substantial claim without this cover.
Craft Equipment & Stock Cover
In the event your stock or tools are lost, damaged or stolen, your equipment or stock will be covered up to the value of £250 as standard, with options to increase this depending on your requirements.
Products Liability
This insurance extension is provided with the Public Liability cover and is designed to protect you should you receive any claims arising from any products and goods supplied by you to other parties, who may then sustain an injury to themselves or damage to their property.
Employers’ Liability
If you employ members of staff (even just one) then it is a legal requirement to have employers’ liability insurance in place. This means that if one of your employees is injured while working, and suffers financial loss as a result, your insurance will cover you for compensation.
I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.
Fantastic claims handling
Whilst the risk is low, there is always a chance of an unexpected incident, you might have to deal with. That’s why we’re committed to making our claims process as smooth and efficient as possible.
If you need to make a claim, just click the link below, select the relevant form and fill in the details and we’ll take it from there.
How much does craft insurance cost?
The cost of crafters insurance can vary depending on several factors. For example, if you employ staff then your policy will need additional cover in Employers’ Liability. Additionally, if you select equipment cover, the value you choose will be reflected in the cost.
You should expect to pay somewhere in the region of £50 to £100 a year for your policy or £4 to £8 a month. A small cost that provides protection for your business, against potentially expensive losses*.
Which crafts are covered by our insurance?
Our crafter’s insurance policy covers several different types of craft businesses.
If your craft isn’t listed – don’t worry, we’ll likely still be able to offer cover. You can give us a call on 01494 887909 to discuss your query further.
- Textiles
- Paper Crafts
- Handmade Jewellery
- Furniture and Wooden items
- Fashion Accessories
- Arts & Paintings
Frequently Asked Questions
Q. Can I include liability cover for subcontractors, who I use to aid my business?
A. 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.
Q. Does your policy allow me and my staff to provide work using Heat away from our Premises?
A. 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, subject to you disclosing this during your application process.
Q. Are my tools and equipment covered?
A. Yes, in the event your property is subject to damage or you have your tools stolen, your equipment will be covered up to the value of £250 with the option to increase up to £10,000. Single article items are covered up to £500.
Q. Is my stock covered?
A. Yes, should you incur damage to your stock, or its subject to theft, it will be covered up t the value of £250, with the option to increase up to £3,000.
Q. Does your insurance cover me to distribute products overseas?
A. Yes, if you are exporting your products around the world, you will need cover for this distribution. Worldwide cover is available, with possible considerations for USA and Canada.
Q. Are my products covered in transit to my customers?
A. 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.
Q. Am I covered to sell my crafts online?
A. Yes, our crafters insurance is designed for selling crafts online, so if you sell crafts on platforms such as eBay, Etsy, Notonthehighstreet, our crafter’s insurance is perfect for you.
Q. Does my home insurance cover me if I make my products at home?
A. Typically, most home insurance policies cover personal property and liabilities, and do not cover commercial activities. You should check with your insurer to confirm if your specific home insurance policy includes any coverage for home-based business activities.
Q. Do I need insurance to sell at craft fairs?
A. Yes, you need insurance to sell at craft fairs. At a minimum, you need Public Liability Insurance to cover any legal liability for injury to third parties and damage to their property while you are selling at craft fairs.
Q. Can I get one-day public liability for a craft fair?
A. No, we do not offer one-day public liability insurance. Our crafter’s insurance is an annual policy, so you’ll be covered for 12 months from the day you select. However, we do offer a single event stallholder product, which will cover you between 1 to 14 consecutive days and is designed to cover your public liability but this will not cover your products liability; any liability arising due to the products you sell, just the attendance of a stall.
Q. Do I need to be a registered business to get craft insurance?
A. No, we do not require you to be registered as a business to offer insurance.
Q. Does your craft insurance policy cover loss of income?
A. No, loss of income is not included within our insurance policy.
Q. Do I need employers’ liability insurance if I hire help for my craft business?
A. Yes, if you employee anyone in your craft business, even on a voluntary, part-time or casual basis, employers liability insurance is legally required in the UK.
Q. Are there any policy exclusions I should be aware of?
A. From a liability standing point, we do exclude cover for upcycling projects, meaning this policy is intended for crafters producing or building products from scratch, not upcycling previously manufactured products.
The following are not covered for the purposes of Business Equipment & Stock – At Your Premises
Wear and tear, and electrical or mechanical breakdown or derangement. Damage to motor vehicles and their contents and any property more specifically insured. Any loss or damage or liability that results from war or terrorism or nuclear radiation or contamination. Any loss or damage that results from a communicable disease. Computer viruses, erasure or corruption of electronic data or the failure of any equipment to correctly recognise the date of change of date. Paying any claim or benefit if it means the insurer would be breaching any sanctions of the UN, EU, UK or USA.
Q. How do I make a claim?
A. If something that happens that might lead to a claim here’s what you need to do:
1. Let us know as soon as you can. Contact us with your policy number, using the phone number provided in the policy schedule when you take out a craft insurance policy with us.
2. If there’s damage from malicious acts, theft, or loss of any property, report it to the police as soon as possible.
3. Do whatever you can to minimise the loss or find the missing property.
When you’re ready to file a claim, make sure you:
1. Send us, at your own cost: detailed information about the damaged property, the extent of the damage, and any other insurance you have on the property. Do this within 30 days of the damage (or within 7 days if the damage was caused by a riot, civil commotion, strikers, locked-out workers, labour disturbances, malicious persons, or employee fraud). We might give you more time if needed. All the proof and information related to the claim that we reasonably ask for. A statutory declaration about the truth of the claim if we ask for it.
2. Help us with any actions we need to take to enforce our rights and remedies, or to get compensation from other parties. This might be needed before or after we pay out the claim. We’ll cover any costs for these actions.
Check our tips and guides to running a small business
This content has been created for general information and should not be taken as advice. Make sure you have the correct level of cover for your requirements. For full details on what is covered check our policy documentation with your quote.
*Prices refer to a quote from our website 27/10/2023. Prices will differ depending on requirements. Make sure you have the correct level of cover for your requirements. For the most accurate pricing get a quote.
Have a question? Contact us...
If you have any other questions regarding our Crafters Insurance, then feel free to get in touch on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday.
More information on what we can cover on this policy can be found on our FAQs page.