Craft workers and design-makers insurance
Whether you're making and selling crafts as your full-time work, or as a part-time project, we can provide you with a quote for the covers you need to protect both you and your business.
Specialist guidance
Whether you sell your products at craft fairs, in a physical shop or online, it's important to make sure you're covered if a claim is made against you or your business.
A customer could be hurt by a product that you have made and sold to them. Alternatively, a customer or passer by could be injured by your stall during an event, or an employee could suffer an injury caused by working for you.
What type of craft business do we cover?
Ceramics and glass
Engravers
Fashion and textiles
Fashion accessories
Leather goods
Metalwork and silversmithing
Furniture
Lighting
Plastics and resin
Works of art
Interiors and soft furnishing
Specialist crafts
Obtain a quote online
Registered user?
Clear insurance package for crafts insurance
The standard package includes the following insurance covers and additional benefits:
Public Liability - £5 million limit any one event
Employers’ Liability - £10 million limit any one event
Products Liability - £5 million any one period of insurance
Public liability insurance for crafters
Protect your business against claims made if your business activities have caused an injury or property damage.
For example, a visitor to your business premises trips and injures themselves, or your stock falls during a craft fair and damages the carpet.
Public liability claims can arise from a number of situations. It's important to have cover in place so that you and your business are protected should an accident happen.
At Clear, we offer Public liability cover up to £5 million for any one event.
Product liability insurance for crafters
Product liability insurance can protect you against the cost of compensation for:
- Personal injury caused by a faulty product
- Loss of or damage to property caused by your faulty product
- Unforeseeable circumstances such as product faults that your quality control system failed to identify
At Clear, we offer up to £5 million of Product liability cover for any one period of insurance – which includes sales to the US and Canada.
Employers’ liability insurance for crafters
If your craft business has employees, you're legally required to have an Employers’ liability insurance policy in place.
This can protect your business against legal and compensation expenses from claims made by your employees. For instance, if an employee slips on a wet floor and injures themselves, they could make a claim against your business.
Most businesses in the UK are required to have at least £5 million of Employers’ liability cover; at Clear we provide up to £10 million of cover to craft businesses.
Obtain a quote online
Registered user?
You can also include the following
'All risks' cover for contents, stock, machinery, and equipment
Cover for loss of profit and additional costs of working up to £50,000
Frequently asked questions
Why do I need Public Liability insurance for my craft business?
If you cause injury to another person or cause damage to their property, then they may make a claim against you for compensation. Public Liability insurance will cover you for any compensation award made against you plus the legal fees to defend you.
What about if I make and sell a product and it turns out to be faulty?
Our craftworkers insurance includes cover for Products Liability, which will protect you for claims made against you resulting from the sale of faulty products.
Why do I need Employer’s Liability insurance?
If you employ someone to work for you then by law, you must take out Employer’s Liability insurance. Failure to have adequate cover in force could result in your business being fined. For further details about Employer’s Liability insurance being legally required, please refer to the UK Government website (note that Clear is not responsible for the content of external websites):
Can I include insurance cover for the tools and materials I use?
Yes, you can include cover for Business Property when you request the quote online, which can include any tools or materials you use for your business. What you must be sure to do is select the right replacement value for your Business Property when you run through the quote, otherwise you may end up being underinsured and this will affect the payment of any claim by the insurer.
How can I get a quote for my craftworker business?
Simply click on the Get a quote now button above/below and enter your details along with the level of insurance you need. Once the quote is displayed, read the important information documents provided and then decide if it’s the right policy for you. You can then pay securely online by card and get your proof of cover straight away.
In some cases, we might not be able to give you a quote online straight away. Usually this is because we need some more information from you. If it happens, we will contact you either by phone or by email to discuss what’s needed.
Obtain a quote online
Registered user?
Need help? Give us a call 02072516821
Why Clear?
Industry-recognised for being people-first, our team of specialists supports start-ups, SMEs, corporates, multinationals and individuals.
Trade specialists
We offer broad and bespoke sector specialist insurance solutions for peace of mind.
Chartered status
In recognition of our commitment to maintaining the highest standards of knowledge, ethical practice and guidance.
Exceptional service
We're dedicated to providing exceptional customer service to respond proactively to the needs of our clients.
The bigger picture
Stay informed about insurance news and its impact on you and your business
- Awards
- Craft workers and design-makers
Chloé Valorso wins the Cockpit Arts/CLEAR Award 2021
- Awards
- Craft workers and design-makers
Interview with artist, maker and Cockpit Arts/Clear award winner Ula Saniawa
- Awards
- Craft workers and design-makers