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Thread: Insurance cover

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    holehouse is offline Senior Member Super Big Crafter
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    Default Insurance cover

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    Forgive me if this post is in the wrong place, I don't get out of the Chandlers forum much
    My business insurance is due for renewal in the next couple of weeks, I'm currently insured through Ian Wallace.
    I've just started looking at craft fayres/markets and wondered what level of public liability insurance you would recommend.
    Thanks in advance.

    Isabel

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    Hi Isabel. If you go to any of the major events they normally require 5 million. I did start out with 2 million but had to up it for the Dundee Flower & Food Festival. It cost me 101 this year. HTH, Marion

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    holehouse is offline Senior Member Super Big Crafter
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    Quote Originally Posted by MarionT View Post
    Hi Isabel. If you go to any of the major events they normally require 5 million. I did start out with 2 million but had to up it for the Dundee Flower & Food Festival. It cost me 101 this year. HTH, Marion
    Thanks Marion, I did a quote with Direct Line for 5m ...it was a fair bit less than you have paid.

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    Quote Originally Posted by holehouse View Post
    Thanks Marion, I did a quote with Direct Line for 5m ...it was a fair bit less than you have paid.
    That's interesting. Does it also include product liability? I asked them for a quote for household insurance to include small business cover for the candles and they wouldn't touch me.

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    holehouse is offline Senior Member Super Big Crafter
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    Quote Originally Posted by MarionT View Post
    That's interesting. Does it also include product liability? I asked them for a quote for household insurance to include small business cover for the candles and they wouldn't touch me.
    Yes it did. I'll check the quote again.

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    That's good - I'll bear it in mind for next year.

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    holehouse is offline Senior Member Super Big Crafter
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    Quote Originally Posted by holehouse View Post
    Yes it did. I'll check the quote again.

    http://www.directlineforbusiness.co....ness-insurance.
    My quote is based on 5m and is 80 per year.

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    Quote Originally Posted by holehouse View Post
    http://www.directlineforbusiness.co....ness-insurance.
    My quote is based on 5m and is 80 per year.
    Thanks Isabel. I wonder if it was because I'm making firelighters too. Well done you!

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    I'm also with Direct Line for my Cake and Cake decoration business. I just renewed for 93 p.a. Last year it didn't cost any more for 1 million PLI or 5 million. My policy only went up about a pound from last year. The one thing you need to watch out for with their insurance is to enter the number of people working away (i.e. at fairs etc). I almost missed the box last year and when I entered my '1' in the box saw my quote jump from around 65 p.a. to 92 p.a.
    Carol
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    I am with the A-N but you have to meet their criteria as aimed at artists and those that have done exhibitions, work to commission etc. 5m for about 40 per year, not sure they cover for candle making but you would have to check.

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