Public and Products Liability

If you go out and about to sell, teach or demonstrate your crafts, anyone can make a claim against you if they believe you or your employees/volunteers are responsible for them being injured or for damaging their property.

They can also make a claim against you if they believe that your handmade product has injured them or damaged their property.

Public and Products Liability explained

If a customer or a member of the public makes a claim against you, public and products liability insurance will cover the legal defence costs and compensation you owe. Even if it’s not your fault, we’ll cover your defence costs.

When & Why should I buy Public and Products Liability cover

Public and Products liability isn’t a legal requirement, although many event organisers will insist that you have cover. Even if no one has asked you for cover, it may be something that you want to consider.

If we had a penny for the number of times someone said to us, I don’t know what sort of injury they think my craft is going to cause, why do we have to have this cover, we’d be rich!

In a nutshell , it’s for all of the things that could happen that you just can’t second guess. This is why we consider it to be a sleep easy kind of insurance.

What’s included in the Craft Insurance Public and Products Liability cover?

Cover for either £1,000,000 ; £2,000,000 ; £5,000,000 ; £10,000,000
Cover for legal defence costs and compensation you owe.
Zero excess
Worldwide cover
Cover for USA/Canada included up to annual turnover of £25,000 incl. at no extra cost.

Limit of Liability is capped at £500,000 in the aggregate

Covers applies to any events when you are selling, teaching, demonstrating you craft
Covers online sales, rent a shelf scenarios and having your crafts stocked by other retailers.