There are a lot of brokers out there who offer Public liability insurance, but do you READ the small print?
Do any of us ever read the small print??
Well for our own sakes, we need to start doing so.
MY BEGINNINGS - THE MARKET STALL
I started off on a market stall, many moons ago selling something completely different to what I am now.
The insurance I was advised to get was from the National Market Traders Federation which turned out to be a good place to go.
What happens is - you join them and get Public Liability thrown in for up to 5 million GBP (at the time of writing this).
This was great while I was on the market stall, but when I diversified into Craft & Wedding fairs selling my handmade jewellery, I found I needed a different type of cover.
NOT COVERED?
You need to always check with your insurer when your circumstances change, as with any insurance. But especially when you change drastically what you're doing/making, and/or how you do it.
What I am saying is - as your circumstances change, at the very least check it out.
The moral of the story is to check your small print as you may NOT have the cover you need for what you are doing!
This is the question that often gets asked....
SPECIALIST CRAFT INSURANCE - public liabilityIf you're into any kind of craft, you really should have specialised craft insurance.
The best answer that I have found is here -
IAN WALLACE (click on the name to go there)
They are specialised Craft Insurers and can cater for whatever you do. (I'm in no way associated with them & have no hidden agenda).
I'm a Jewellery Designer, but even if you're into Sewing, Soap making, Knitting, Sock monkeys - whatever it might be, they have seemed to be the best and are recommended by A LOT of other crafters too - which is how I heard about them in the first instance!
Hope you've found this useful.
Good information dear. Some more interesting stuff about Jewellery Insurance Essentials to share
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