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Market Traders insurance is a name for the type of insurance that any professional business operating in a market, craft fair, farmer’s market, festival, exhibition, or car boot organisers - would take out to protect themselves.
If you use employees, then having Employers Liability insurance is a mandatory legal requirement. If you deal with the public or conduct business in a public space (like an outdoor market, or event show), then you should also take out Public Liability insurance. This is especially relevant considering the bustling backdrop that market traders normally thrive in, with many members of the public being in the area at any given time. In this way, Public Liability insurance is designed to protect you and your stall from claims made by members of the public if they suffer a loss or injury because of your business. Accidents can happen, so it's vital to have your business insured for peace of mind.
Some insurers may consider offering a discount on your insurances if you also ask them to cover your van or commercial vehicle. If you already have this cover in place, many insurers can help you set up your insurance in a way that means all your insurance policies renew at the same time. Getting your van/vehicle insurance and Market Traders Insurance to renew at the same time can not only save you time, it can also give you a better chance of negotiating discounts with your insurer.
Every market trader, events seller, kiosk operator, and licensed trader is unique. The reason your customers come back to you time and again is what makes you different. Because no two traders are identical, the price of insurance will be different from business to business. In general, here are some aspects that may affect this:
If you have employees working for your business, you are legally obligated to make sure they are protected with Employees Liability insurance. You can opt to include this with your Public Liability insurance.
If you own a building used for any business that you either rent out or operate from it yourself – we can help you to insure it appropriately. Commercial Property Insurance can be provided in a business insurance package.
Business car insurance for a car that’s used for business purposes as well as social, domestic and pleasure. If you use your car within your job role, this cover could be worth pursuing.
If you give advice as part of your work, we can financially protect you for claims against your professional indemnity. This cover is important for those working in service industries, as well as professions who are paid for their advice and knowledge.