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starting to make jewellery at home and insurance???
Hi
I am new to the site and hope i haven't missed this somewhere else.
I have done several workshops and love making jewellery with silver and copper.
I have decided that i am going to start making jewellery from home, i have a spare room that is usable, with the intention of selling online and at local craft fairs. I have done my research and started to buy equipment and materials, but not sorted out the selling side of it.
I have found some sites on insurance for selling my products - that is fine, i understand the public liability side of it
What i am having trouble with is,
do i need to tell my home insurance that i am going to have jewellery making equipment in the house?
or that i am running a business from home?
Can't seem to find an answer, so would love to hear from others that work from home
Thanks
Andrea
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Just thought I'd add my £0.02, having spoken to our domestic insurers after reading the links posted by Dennis.
Contents insured with Legal & General via a broker, building insured with Aviva via Santander.
Neither had a problem per se with me making and selling jewellery from home, but both wanted to know the value of stock and tools - I gave them an estimated figure in the high hundreds and they were happy with that. One or both also asked...
- If customers call around (No)
- Whether I had any employees (No)
- How I get paid (mainly online / PayPal)
- How many rooms are used (Kitchen for soldering, attic for everything else, plus my computer for admin)
- Where I sell (Online and at the occasional, small show)
Other info supplied...
- I described myself as a 'part time jewellery maker', emphasising that (at least for now) this is a hobby that I'm trying to get to pay for itself (i.e. a not-for-profit operation) rather than a full-time occupation.
- Neither company had a problem with the gas torch. Aviva specifically said, "That's OK - we already know what jewellery making involves", when I mentioned it to them.
So... no premium increases and no invalidation of existing policies in my case, although neither policy includes Public / Product Liability (PPL) insurance - this is about to be sorted with GoJD membership.
That said: Other insurers may take a tougher line and you should always check with yours, answering any / all questions honestly.
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Thank for sharing your experience. Dennis.
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Insurers will run a mile if you admit to customers coming to your home/business. Every one is automatically suspect apparently. They will decline you. Though I've never understood why someone coming to my home/business means my roof is more likely to blow off
I often wonder when they will decline claims for people selling on ebay and such
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People selling is actually illegal, Wendy.
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Ha ha Dennis!
people who sell
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An interesting and informative post Lux, thanks for taking the time.
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