Our prices reflect what’s actually included, how flexible your cover is, and how confidently you can trade at fairs, markets, workshops and online. This page explains exactly what you get and how to make sure any policy you compare is giving you the same.
We’ll be straight with you: we’re not always the cheapest craft fair insurance or craft business insurance on the market. That’s intentional.
Our pricing reflects fewer restrictions, greater flexibility and clearer cover. It means you don’t have to second-guess whether you’re covered when you’re standing behind your stall, teaching a workshop, or dispatching an online order. The cheapest craft insurance policies frequently restrict one or more of the things you need, often without making it obvious.
✓ Every Craft Insurance policy includes the following as standard with no add-ons, no hidden restrictions, no nasty surprises when you need to make a claim.
✓ Cover for unlimited indoor and outdoor events
✓ Selling, demonstrating and teaching your craft at any event
✓ Professional indemnity for teaching, demonstrating and giving information
✓ Product liability for online sales
✓ Product liability for rent-a-shelf and third-party retailers
✓ Worldwide cover including USA & Canada (subject to terms)
✓ No need to list or notify individual events✓ Clear, event-ready documentation issued instantly
✓ No admin fees for amendments, ever
✓ No cancellation fees
It’s natural to look at price first. But the most important question isn’t what the policy costs, it’s what it actually covers. Here are the questions every crafter should ask before buying any policy.
Insurance for craft fairs, artists and makers should be designed around how you actually work, not adapted from a generic small business policy. Check that your policy covers the specific activities you do: selling at markets, demonstrating at fairs, teaching workshops, selling online. If a policy doesn’t mention these explicitly, there may be gaps.
Lower-cost policies often limit cover for tools, materials and finished stock in ways that aren’t obvious from the headline price. Ask whether your stock is covered at retail value or just the cost of materials. Check whether your tools are covered at replacement value or depreciated value. And confirm that cover applies where you need it most, whether at craft fairs, in your car on the way to events, or at your workshop or home studio.
Special limits within a policy can significantly reduce the amount you’re actually covered for, especially when it comes to stock. A policy might appear to offer strong stock cover, but a buried ‘special limit’ could cap individual item payouts at a level that doesn’t reflect the real value of what you make. Always read this section carefully.
A lower premium often means a higher excess. Make sure the excess is clearly explained and affordable particularly for stock and equipment claims. At Craft Insurance, the standard excess for business and stock cover is £50, which is one of the lowest available.
There is no excess on public and product liability, and no excess on employers’ liability.
Some insurers have specific exclusions that are easy to miss, and that can leave crafters completely unprotected in areas they assumed were covered. Common examples include candle maker insurance gaps, exclusions on home fragrances, room sprays, reed diffusers, carpet fresheners, products for children, and pet products. Some policies will only cover branded products, not items made by the policyholder. Always check the full list of exclusions before you buy.
At Craft Insurance, we have very few exclusions and we’re always upfront about what they are. If you make it, we’ve most likely covered it.
If you have any questions about the Craft Insurance Policy, you may be able to find your answer in the frequently asked questions below…
Getting a quote for craft insurance takes around five minutes online. You start with your base public and product liability cover, choose your level of cover, and add any optional extras; employers’ liability if you have staff or volunteers, or business and stock cover for your tools, materials and equipment. Your personalised quote is generated instantly. If you’re happy with your quote, you pay by credit or debit card and your policy documents are emailed to you immediately. If you’d prefer to spread the cost, a 0% interest direct debit over 12 monthly payments is available, just call us to set that up. If your quote refers for any reason, our team will talk you through it quickly. The how-to videos on this page walk you through the process step by step.
Get your personalised quote online in minutes. Choose your base public and product liability cover, add what your business needs, and have your documents in your inbox straight away.
If you’d rather talk it through first, whether you’re a candle business looking for the right insurance, an artist heading to your first fair, or an established craft business reviewing your cover, our team is here. You’ll always speak to a real person.
