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Depending on your requirements, you can have crafters public liability cover indemnity limits of £1 million, £2 million or £5 million.
Cover for legal defence costs including compensation you may have to pay, up to your selected indemnity limit.
Tailor your insurance to include the options that suit your crafting business.
You can choose to split your payment into ten monthly instalments. Please read our dedicated page on Direct Debit.
If you interact with the public on a daily basis or your business activities are performed in a public area (e.g if you have a shop for your craft products), you need public liability insurance. It protects your business if a third party is injured due to your fault while at your premises or in a public environment.
Crafters insurance offers tailored employers’ liability, which is a UK legal requirement if you employ any staff. This helps protect you with legal defence costs and compensation claims from employee injuries or work-related illness as a result of your negligence.
Retail cover for crafters includes an automatic seasonal adjustment for busy times such as Christmas, allowing you to automatically increase your ‘sums insured’ stock levels by up to 15% for no extra cost.
If you have premises that could suffer loss or damage due to fire, flood, storm and other specific insurance perils, such as burst pipes, this could cause your trading to be disrupted until the premises are repaired. Business interruption insurance provides cover for loss of income when you’re unable to trade normally due to an unexpected event – enabling you to meet your financial responsibilities.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
There are a number of craft trades covered including…
The cost of your crafters insurance will depend on the cover you take out, the business activities and your individual circumstances. This will be determined by our insurer partner Markel Direct.
Your public liability insurance cost will depend on a number of factors, including:
Public liability insurance is not usually a legal requirement like employer’s liability insurance, but there aren’t many businesses that can safely operate without this protection.
Despite all the precautions under the sun, accidents can and will happen, and being vulnerable to a lawsuit can spell disaster for a growing business. As our public liability insurance can cover up to £5 million, the importance of having this protection is clear.
While public liability insurance is therefore not required by law, it is likely to be necessary for your business to operate successfully.
No, public liability cover is not a legal requirement, but as you will have employees under you supervision and control you will have a legal duty to arrange employers liability insurance. This cover will normally be bought alongside public liability cover.
Yes, public liability insurance is tax deductible when calculating taxable profit, as an 'allowable expense' (an expense you can deduct when calculating taxable profit for your tax return). It is included in HMRC’s definition of allowable expenses.
When you buy your public liability insurance, be sure to keep your receipt and your policy documents safe so that you can show your tax calculations if your business is checked by HMRC. Also, if you have an accountant that does your tax return, you will need these documents to show them the cost of your cover so they can calculate it correctly and ensure your public liability insurance is tax deductible.
While public liability insurance provides cover against claims from members of the public for damage to their property or bodily injury caused to them due to your negligence. Employers' liability insurance protects the business from allegations of accidental bodily injury or illness to employers sustained whilst engaged in business activities for you. If you are at fault the policy will initially cover your legal defence costs and then will pay any court awards for injury.
We recommend that you:
If you accept liability before referral to your insurer’s then you could prejudice you and your insurers' ability to defend any claim made against you.
You can choose public liability cover limits from £1 million, £2million and £5 million. The amount you need will depend on several aspects:
When you are contracting with companies, please check with them to find out if there is a minimum amount of public liability insurance required.
Yes, if you are also involved in other trades, we can look to expand your policy to cover them.
For details of the terms, exclusions and conditions applicable, please refer to the full policy documentation provided during the quotation process.
To help you spread the cost of your insurance, we offer a quick and easy Direct Debit scheme so you can spread payment over ten months.
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