Stallholder Insurance
Specialist cover for stallholders from only £25.99*
- Public liability up to £10 million
- Single and multi-day events covered
- Join over 150,000 customers**
From only £25.99* one-day event
What does stallholder insurance cover?
For Stallholders you may well need to supply proof of your liability insurance to secure your selling spot. Our insurance for stallholders is designed to include necessary cover for public liability to protect you from injuries and incidents that could result in a claim. You will find essential extras, such as event cancellation and equipment, can be added only if necessary, giving you a better price.
Whether you sell your products at fetes, festivals, community fun days or craft fairs we can adapt your cover for one-day or short-term events depending on what best suits your activity.
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.
Public Liability
Event Cancellation
Event Equipment
Event Money
Employers' Liability
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.
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.
- Increase 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.
- Increase 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.
- Loss or damage caused by the defective erection, use or dismantlement of any staging, marquees or temporary structures.
- Damage to the event venue caused by the application of tools.
- Damage to the ground and or underground services at the event venue.
- Injury or Damage caused by the sale or supply of goods.
For further information on exclusions in your cover please refer to policy documentation.
Public Liability insurance for caterers
- 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.
Catering Equipment
- From £250 worth of cover.
- Add up to £10,000 worth of cover.
- Protects against accidental damage, loss, or theft of equipment you own or are legally responsible for. This includes business equipment that isn’t permanently fitted, whether it’s at your premises or temporarily off-site.
Stock
- From £250 worth of cover.
- Add up to £3,000 worth of cover.
- Provides protection for accidental damage, loss, or theft of your stock, including non-frozen goods, whether stored at your premises or temporarily elsewhere.
Frozen goods cover
- From £250 worth of cover.
- Up to £3000 cover available
- Protects your frozen goods against accidental damage, loss, or theft.
- Includes cover for damage or loss caused by refrigeration equipment breakdown or a failure in the public electricity supply.
- Also provides protection for losses resulting from theft or vandalism.
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.
Catering trailer cover
- Up to £10,000 cover available (contact us for cover over £10,000)
- Provides cover for accidental damage, loss, or theft of your trailer, including its internal fixtures and fittings.
- Optional cover is available for damage caused to the trailer while in transit.
To qualify for this cover, the trailer must have an approved alarm, tracker, and key-operated hitch lock when unattended. Additionally, a wheel clamp must be used when the trailer is unattached and unattended. Overnight, the trailer must be stored in a driveway, garage, or locked compound.
While in transit, if the trailer is involved in a road traffic incident while attached to a car or van, third-party liability will typically be covered under the insured’s motor insurance. However, damage to the trailer itself can be covered under this policy if the relevant cover option is selected.
Loss of money
- Protection for any money earned through your insured business activities.
- Cash from your business is covered while it’s at your business premises, your home, or the home of any partner, director, or authorised employee. It’s also protected when being transported during business-related journeys.
- Cover also includes damage caused by theft to cash registers, safes, bags, or cases used to carry money, as well as damage to tills and safes.
- Cover for bona fide subcontractors, who should have their own insurance.
- Catering overseas.
- Claims for financial losses relating to non or late delivery of products to third parties.
- Cover for catering trailers left out of sight of the insured and/or more than one minutes walking distance from the insured.
- Cover for equipment and stock when left in a vehicle and/or catering trailer out of sight of the driver and/or more than one minutes walking distance from the driver.
Endorsements:
- Staff must have a minimum level 1 food hygiene certificate (including apprentices)
- When a trailer is unattended, it must have an alarm, tracker and key approved hitch lock installed. It must also have a wheel clamp when unattached and unattended.
- Trailer must be kept in a driveway, garage or locked compound overnight.
- While in transit, if the trailer is involved in a road traffic incident while attached to a car or van, third-party liability will typically be covered under the insured’s motor insurance.
For information on exclusions in your cover please refer to policy documentation.
Why do you need stallholder cover?
Attracting customers to your stall is likely a priority, so making every effort to wow them with a stall display could be all the difference. However sometimes things go wrong and your best efforts could lead to a claim for damage or injury to a member of the public.
Protectivity help protect you with the stallholder insurance you need when incidents happen, so you can focus on showcasing your products without worrying about costly financial repercussions. Here are some scenarios to demonstrate the importance of having appropriate stallholder cover in place.
Protect yourself from claims if a member of the public suffers an injury.
Events often attract large crowds, increasing the risk of accidents or injuries to members of the public.
Ensure you have public liability to protect you and your stall against these incidents such as trip and fall accidents, injuries caused by equipment or structures.
An unexpected incident causes the cancellation of an event.
Unpredictable circumstances such as adverse weather or irreparable damage to your venue could mean the event must be cancelled or postponed. To avoid losing income, add a safety net for your event as a stallholder and be prepared for the cancellation, abandonment, postponement or interruption of the event by adding cancellation cover.
Avoid financial loss from event equipment damage.
As a Stallholder, equipment is likely moved around at an event or from event to event and subsequently damages and losses are a regular risk.
With the right equipment cover you can make a clam to replace or repair equipment you’ve hired, leased, loaned, or own yourself.
A requirement of public liability by a venue.
An event venue may expect proof of public liability for you to sell at their events, as a minimum, if you are taking part as a stallholder.
Our experts explain why...
“Securing stallholder insurance is necessary investment when planning for unforeseen risks. Whether you’re taking part in a community fair or festival, unexpected incidents can jeopardise your financial well-being. Stallholder 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 you can focus on managing your stall.”
Chris Trotman, Protectivity Underwriting Manager
How much does stallholder insurance cost?
Securing stallholder insurance takes the weight off managing your risks and responsibilities at an event.
Various factors will influence the exact amount you pay for stallholder insurance. For instance, you could have high-value specialist equipment that you need to cover, which will influence your overall price.
Policies start at just £25.99*, for a one-day event as a stallholder.
Prices from
£25.99*
Explainer quote
Policy cost
£25.99*
Policy type
Stallholder Insurance
Duration
1 Day
Event Type
Community fair
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.
Why choose Protectivity for your stallholder 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
What type of stalls can you cover?
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.
Does this policy cover event organisers?
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.
Am I covered if one of my products I sell injures a third-party?
No, the liability insurance on this policy does not include liability arising from any products you sell on your stall.
How many days a year is my stall protected?
We provide cover for up to 14 days under our Single Event Stallholder Insurance policy (including set-up and set-down).
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 on 01/01/2025. 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
¹Based on live Feefo data