Stallholder Insurance
Specialist cover for stallholders from only £26.99*
- Public liability up to £10 million
- Single and multi-day events covered
- Join over 180,000 customers**
From only £26.99* 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. Â 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.
EquipmentÂ
- £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 MoneyÂ
- £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 CancellationÂ
- 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.
EquipmentÂ
- £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 MoneyÂ
- £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 CancellationÂ
- 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 & Product Liability for Caterers
Cover up to £10 million
- Flexible cover limits: £1m, £2m, £5m or £10m
- Protects you if a member of the public is injured or their property is damaged.
- Covers claims linked to the food or products you serve.
- Includes legal defence costs and compensation if a claim is made.
Contents & Business Equipment
Cover up to £100,000
- Covers damage or theft of equipment at your business premises.
- Includes utensils, machinery, tools, fixtures, fittings, computers and office equipment.
- £5,000 included as standard (if eligible).
- You must be trading from a business premises.
Portable Business Equipment
Cover up to £100,000
- Protects equipment at your premises and anywhere in the UK
- Covers accidental loss, damage or theft
- £250 included as standard
Portable Stock
Cover up to £100,000
- Protects stock at your premises and anywhere in the UK
- Covers stock on the move & at temporary locations
- Covers at your business premises
- £250 included as standard
- Excludes unattended theft from vehicles and standard all‑risks exclusions
Frozen Goods
Cover up to £20,000
- Covers refrigerated stock against temperature change or leakage
- Includes breakdown of refrigeration equipment or power failure
- £1,000 included as standard
- Available whether or not you trade from a business premises
Loss of Money & Assault
- £1,000 included as standard (upgrade available)
- Covers theft or loss of money from your business
- Includes money at premises, in transit or stored securely
- Covers damage to tills, safes and cash containers
- Includes assault cover for you and your employees
Glass cover
Cover up to £25,000
- Covers internal and external glass at business premises
- Includes windows, doors, partitions, shelves and displays
- £2,000 included as standard (if eligible)
Employers’ Liability
£10 million cover
- A legal requirement if you employ staff
- Covers claims for injury, illness or death caused by employer negligence
- Protects against claims from employees and labour‑only subcontractors
- Apprentices can be included
- No limit on the number of employees covered
Stock at Premises
Cover up to £100,000
- Covers loss or damage to stock stored at your premises
- Automatic 30% seasonal uplift around Bank Holidays
- Available only if trading from a business premises
Alcohol Stock
Cover up to £100,000
- Covers loss or damage to alcohol stock at your premises
- Automatic 30% uplift around Bank Holidays
- Flexible limits up to £100,000
- Available only if trading from a business premises
Business Interruption
- Covers up to 12 months of lost income following insured damage
- Includes interruption caused by nearby property damage
- Covers supplier, utility, customer and access interruption
- Available only if trading from a business premises
Buildings & Tenants Improvements
- Damage to property at the specified business premises
- Includes fixtures and fittings, decorations, small outbuildings, garages, annexes and extensions
- Also includes lines, wires, service pipes, walls, gates and fencing
Owned premises (Buildings cover)
- Covers the building structure itself
Leased premises (Tenants Improvements)
- Covers improvements made to the property
Catering Trailer Cover (Annual policies only)
Up to £25,000 (higher values considered on referral)
- Covers accidental damage, theft or loss of your trailer
- Includes fixtures and fittings inside the trailer
- Optional cover for damage whilst in transit
 Security requirements:
- Up to £10,000: a wheel clamp and hitch lock is required
- Over £10,000: an alarm, tracker, wheel clamp and hitch lock is required
- Overnight storage must be on a driveway, in a garage or locked compound
 Important:
- Third-party road liability not covered within this policy, please ensure you check with the insurer of your towing vehicle to make sure this is covered.
- This policy can cover damage to the trailer itself (if selected)
- Bona‑fide subcontractors
- Catering activities overseas
- Financial losses from late or failed delivery
- Unattended trailers, stock or equipment left out of sight or more than one minute’s walk away
- Equipment or stock left unattended in vehicles
Other endorsements
- Staff (including apprentices) must hold at least Level 1 Food Hygiene certification
- Trailer security conditions must be met when unattended
Full exclusions and endorsements apply – 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 £26.99*, for a one-day event as a stallholder.
Prices from
£26.99*
Explainer quote
Policy cost
£26.99*
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 02/03/2026. 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 180,000 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
On average we answer your phone calls in under 2 minutes
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 02/03/2026. 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 present
¹Based on live Feefo data