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Thread: Insurance - selling to US/Canada

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    Angi's Avatar
    Angi is offline Senior Member 100+ crafts club
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    Default Insurance - selling to US/Canada

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    I'm struggling to find an insurer who will cover me for products sold to US/Canadian customers. Can anyone suggest someone? I have tried the usual - Direct Line, GM Imber, CMTIA, Market Traders.

    Thanks

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    eena is offline Senior Member Super crafter
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    You and everyone else.

    People seem to think that they are covering themselves by stating that all sales are made under
    English&Welsh/Scottish/Irish/whatever law.

    I have no idea if that is any sort of protection at all. I suspect a general statement like that would offer little, if any, should push come to shove.

    Do US crafters tend to have general liability insurance for handcrafted goods of similar type to yours? That in itself might be a good guide as to what you need to do.

    I think you need spe******t legal advice to be sure.



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    hazelsmail is offline Senior Member Super crafter
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    Hi try Ian Wallace

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    I am with A N and contacted the insurers who confirmed that you can sell overseas providing you quote sold under English law, checked with our solicitor who confirmed that this is correct and means if they have a claim they have to sue under English law and employ solicitors over here, in the country of origin. You will be hard pushed to find a reasonable quote from any insurer to cover sales overseas, hence why a lot of small people tend to trade within their own country jurisdiction.

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    Quote Originally Posted by Caroleecrafts View Post
    ...the insurers who confirmed that you can sell overseas providing you quote sold under English law, checked with our solicitor who confirmed that this is correct and means if they have a claim they have to sue under English law and employ solicit.
    The OP is in Scotland, so English law would not, indeed could not apply. They would need to contact their own, Scottish, legal advisor to confirm.



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    Can someone in Scotland state that English law applies to purchases, though? The two systems are grounded in very different principles; surely they would have to state that Scottish law applies.

    And doesn't Scottish contract law have important differences to English contract law?

    How any of it would apply to purchasers in the US, though, I have not the foggiest idea.

    In any case, you make a good point about the referendum. All may well be moot in a little over six months' time, and Berwick-upon-Tweed may well become a hive of currency-exchange kiosks and furtive cross-border smugglers ...



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    kay088 is offline Junior Member Junior crafter
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    Although I am not a solicitor...I am in Canada with a few contacts in the states...I would be very surprised if the average crafter has general liability insurance..only shipping insurance...usually things are assumed to be protected via paypal or credit card rules and warnings such as "use at your own risk" or "we are not responsible" are used in an attempt to address other liability issues.
    C & K Pet Designs - www.ckpets.ca

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    Quote Originally Posted by kay088 View Post
    Although I am not a solicitor...I am in Canada with a few contacts in the states...I would be very surprised if the average crafter has general liability insurance..only shipping insurance...usually things are assumed to be protected via paypal or credit card rules and warnings such as "use at your own risk" or "we are not responsible" are used in an attempt to address other liability issues.
    In the UK a lot of the medium/larger event organisers and some small ask for a copy of your public and product liability insurance along with your Unique Tax reference to prove that you are trading legally.

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