Crafters Insurance

Crafters insurance to protect you and your business premises

  • Cover for creators and retailers of ceramics, glass, fibre and textile, costume jewellery, paper, wood and furniture, stone, or metal craft objects and more
  • Policies suitable for crafters with business premises, needing cover for stock and public liability as a minimum
  • Options for product and employers liability, as well as loss or damage to contents and equipment

Request a quote online or call us on 0330 828 0110.

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Why choose crafters insurance with Towergate?


Public liability insurance for crafters

Depending on your requirements, you can have crafters public liability cover indemnity limits of £1 million, £2 million, £5 million or £10 million.


Legal defence costs covered

Cover for legal defence costs including compensation you may have to pay, up to your selected indemnity limit.


Range of cost-effective cover

Tailor your insurance to include the options that suit your crafting business.

Direct Debit

Pay for your crafters insurance with Direct Debit

We offer a quick and easy Direct Debit instalment scheme so you can spread payment over 10 months.

About crafters insurance


Crafters public liability cover

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.


Employers' liability insurance for crafting businesses

Our 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.


Cover for seasonal uplifts in stock

Our 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 30% for no extra cost.


Business interruption cover

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. Our business interruption insurance can help you protect your fixed expenses and the loss of gross profit suffered whilst you are unable to trade normally.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0344 892 1384 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Crafters insurance FAQs

Our policies are not suitable for small crafting businesses which are based at home and only requiring public liability insurance.

We specialise in providing cover for crafters who have a business premises and require a range of covers including stock and public liability insurance as minimum. Other options can be added, such as employers liability, product liability, business interruption and contents cover.

We can cover an number of craft trades, including:

  • Art metal worker
  • Artist
  • Basket making
  • Candle making
  • Cosmetics manufacture
  • Custom item engraving (where the item being engraved is not being manufactured by the insured)
  • Florists
  • Flower crafts
  • Food creation
  • Glass engraving
  • Glass goods manufacture
  • Glass or glass goods decorators/engravers
  • Jeweller
  • Jewellery
  • Leatherwork
  • Lighting
  • Metalwork & silversmiths
  • Painting
  • Paper crafts
  • Perfume manufacture
  • Photographers
  • Photographic prints
  • Plastics and resins
  • Pottery
  • Printing and digital art
  • Silversmith
  • Soft furnishings
  • Stonemason
  • Stonework
  • Toy manufacture
  • Wax melt making
  • Wood carver
  • Woodwork
  • Woodworker
  • Wool and needlework

The cost of your crafters insurance will depend on what your business is and therefore how much cover you require. This will determine the level of risk for the insurer.

Your public liability insurance cost will depend on a number of factors, including:

  • Your trade or profession and the hazards associated with your activities – e.g. work at height, depth, use of heat (blow lamps, welding equipment), types of materials used
  • Where in the world you work and the activities carried out - e.g UK-only and/or Europe, or worldwide – including or excluding USA/Canada
  • Number of employees, clerical or manual, and if you have any sub-contractors
  • The limit of indemnity you require - £1 million, £2 million, £3 million, £5 million, £10 million or higher
  • What is included in your public liability insurance quote (standard level or extra covers)
  • Your past claims history
  • For larger businesses, estimated annual payments to direct employees - clerical/manual, labour-only and/or bona-fide sub-contractors
  • The size of your business e.g. turnover (the more work you do, the greater the risk exposure and the higher the premium)
  • Your risk management and health and safety record

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 £10 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.

As soon as you become aware of a claim or potential claim being made against you for injury or damage:

  • Notify us so that we may alert your insurers.
  • Pass all correspondence on to us unanswered.
  • Do not ignore or dispose of any letters from any representative of or anyone making a claim against you. The claim is unlikely to go away and the situation will only get worse if not attended to promptly.

We recommend that you:

  • Meet your legal obligation to record accidents in your accident book.
  • Follow RIDDOR procedures
  • Report all accidents to your insurers.
  • Do not accept responsibility or agree to pay compensation even if you think it is obvious that it is your fault.
  • Allow your insurers to investigate and advise you of the best course of action to be taken.

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.

To help you spread the cost of your premiums, we offer a quick and easy direct debit instalment scheme for spreading payment over ten months, through our preferred provider, Premium Credit Limited (PCL). Please visit our dedicated instalment Direct Debit page to find out more.

A variety of payment options are available and the interest transaction charge and annual percentage rate (APR%) vary according to the amount of the premium, the number of monthly instalments and type of premium finance scheme selected. We will give you full details of the additional amount payable, instalment amounts, number of instalments and APR when you ask us for a quotation.

Towergate can offer public liability insurance policies with cover from £1 million up to £10 million or higher. The amount you need will depend on several aspects:

  • Your business activities
  • The type of locations and environments you are working in
  • The processes involved, particularly if these are of a high-risk nature involving any application of heat-work i.e. blow lamps/torches or welding.

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. Please talk to us for more information.

Read more FAQs

Crafters insurance articles and guides

What is the Difference Between Public Liability and Professional Indemnity Insurance?

What is the difference between public liability and professional indemnity insurance? We define PL and PI insurance to help you decide if your business needs them.

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Choosing the Right Level of Indemnity Insurance

When you take out public liability insurance, you’ll need to choose the level of cover you need. You’ll set a cover limit of £1 million, £2 million, £5 million or £10 million to protect your business if a claim is made against you. Choosing the right level of cover to suit your enterprise can be daunting, and it may be tempting to opt for a lower level and a potentially cheaper premium.

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Did you know that 39%* of small businesses in the UK have suffered a cyber attack, and the average cost of a breach for SMEs is around £3,000? In today’s digital age, discover why having adequate cyber insurance has become an essential aspect of risk management for UK SME businesses.

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