Public liability insurance

[Suzedablooze]

Hello,

I was wondering if any of you know if it is neccassary to have public liability insurance if you sell jewellery?

thanks in advance for your help

Suze

[geti-titanium]

It depends to what degree you are selling I suppose.

As a manufacturer with a limited company, I need it because I have machinery, employees and a lot of products out there - lots of different things that could potentially be a target for the unscrupulous and the unfortunate to try and make money out of my company.

This explains more:

http://www.know-insurance.co.uk/business/liability_insurance/do_i_need_public.htm

[mizgeorge]

Yes!
At the very least you need to have a crafters policy (there are several specialists in this area including Ian Wallace, GW Imber and the market traders federation). You need to be covered in case somebody manages to hurt themselves with a piece of your work, trip over your stall if you're out selling etc etc!

I think mine costs me under £70 a year for pretty extensive cover.

[Di Sandland]

What George said - especially if you're going to do craft fairs and the like. Mine is from the Market Traders Federation and has just expired so I'm looking at the others to compare.

[AlexandraBuckle]

Technically it is not necessary, but it is a very good idea to have it and a lot of selling venues will want to see proof that you have it.

There is an old thread somewhere bout this....

[AlexandraBuckle]

http://www.cooksongold.com/forum/showthread.php?t=122&highlight=public+liability+insurance

weren't as many replies as I remembered...

[Suzedablooze]

Thank you -this is just the advise I needed. I suspected you would need it. I have gotten a quote from some online company and it was £1700 a year which I cant afford at the minute, so I'll look around at the others you suggested

again thank you!

[ben b]

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[Ominicci]

Thanks for that Ben, it's something i need to think about too.

Di be sure to let us know if you find anything else good and ask them if you and us get any discounts for recommendations :-p

[Di Sandland]

Di be sure to let us know if you find anything else good and ask them if you and us get any discounts for recommendations :-p

Will do just that

[Unhindered]

Hi guys, didn't wanna start a new topic as its kind of related to this one. What I want to do is make jewellery from my workshop at home and sell it though my website (which I don't have yet, haha) Do I need to do anything business wise so I'm not breaking the law? I've looked at the a-n link and will probably get that for if I do any craft fairs etc but other that that I know nothing!

[glen]

You get 2 types of insurance that are important:
employees and public.
employee insurance is if you employ people (other than yourself) and is a legal requirement.
public insurance is if your workshop is open to the public or you have a store / shop.

I would recc. that if you are in either of the two above positions it is a good idea to find out if the landlord of your property already has such insurances that may cover you and your activities or if any insurance policies you already have may be incorperated to be inclusive of these this would cause a slightly increased premium but prob not as much as a whole new insurance policy.

[Ominicci]

If you are in mortgaged property rather than rented then you need to advise your mortgage company and your household contents insurance supplier as it may change the terms and the policy.