Public liability insurance

**Suzedablooze** · 05-09-2009, 09:40 AM

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** · 05-09-2009, 10:01 AM

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/busi...eed_public.htm

**mizgeorge** · 05-09-2009, 10:08 AM

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** · 05-09-2009, 10:36 AM

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** · 05-09-2009, 11:09 AM

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** · 05-09-2009, 11:10 AM

http://www.cooksongold.com/forum/sho...lity+insurance

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

**Suzedablooze** · 05-09-2009, 12:00 PM

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** · 05-09-2009, 06:52 PM

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**Ominicci** · 07-09-2009, 09:00 AM

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