A Simple Guide to Crafters Insurance.

There isn't a legal requirement to have insurance for selling handmade crafts in the UK. However, it's highly advisable to consider getting insurance, especially public and product liability cover to protect yourself from any potential legal and financial risks, particularly if you sell at markets or events. 

When insurance is recommended, but not required: 

• Selling online or at markets:

  While not mandatory, it's wise to have public and product liability insurance. This covers you if a customer is injured or their property is damaged due to your products or stall.

• Selling at craft fairs:

  Many event organisers will require you to have public liability insurance before you can set up your stall. 

• Protecting your business:

  Insurance can cover legal fees, compensation costs, and potential lost revenue if a claim is made against you. 

• Protecting your stock:

  Consider insurance to cover damage or loss of your materials and finished products, especially if you're transporting them. 

When Insurance is a Legal Requirement: 

• Employing staff: If you hire anyone other than close family members you are legally required to have Employers' Liability insurance. 

In summary, while not mandatory for all craft businesses, insurance is strongly recommended to protect yourself and your business from potential risks and liabilities. Check with specific market or event organisers about their insurance requirements.