Up to 2 Million Public Liability Insurance

At CraftCover, we provide public liability insurance tailored specifically to the UK craft industry.

We’ve got a plethora of knowledge of the craft industry and market, and we know why it can be important to cover your business with public liability insurance plans which go up to £2 million. This protects you from unexpected claims and gives you peace of mind that your business is thoroughly protected.

What does £2 million public liability insurance cover?

£2 million public liability insurance covers:

Personal injury to members of the public
Damage to third party property (if property belonging to a member of the public is damaged as a result of your business activity)
Death or disablement to the public

Public liability insurance up to 2 million covers interactions with visitors, clients, customers and people who take part in craft fairs and craft workshops which you also attend.

CraftCover can provide policy plans with a minimum limit of indemnity of up to £2m, perfect for businesses which expect to interact with the public, even if just occasionally.

Who needs £2 million public liability insurance?

Any business that interacts with the public to any extent needs £2 million public liability insurance to provide adequate cover in the event of an accident or damage.

Even if you think it’s unlikely, if you have any chance of interacting with the public, you’re also running the risk of causing unintentional harm or damage, which is why everybody, regardless of craft, should have at least a £2 million public liability insurance, including those in:

How much does £2M public liability insurance cost?

The cost of £2m public liability insurance varies based on:

– The type of business
– What it is you craft/sell
– Business size
– Any risk factors present in your business

A crafter who works with potentially dangerous or hazardous equipment is likely to pay more for the same policy up to £2m than one who doesn’t.

Factors such as:

– The number of employees you have;
– Area of operation; and
– Your claims history

… may also have an impact on the cost of your policy.

If you want to find out exactly how much you’d be paying for public liability insurance up to £2m, get in contact with CraftCover for a bespoke quote.

The benefits of choosing public liability insurance with up to £2 million of cover

There are lots of benefits of choosing public liability insurance with up to £2 million of cover:

- Extensive cover for potential claims – With up to £2m cover, you can rest assured that you’re covered for any unexpected claims, even ones which are likely to cost a lot of money.

- Cover for crafters with higher risk levels – Even if you’re working with crafts which can be slightly more dangerous either to make or to sell. For example, selling food-related crafts can lead to a number of difficult claims (food poisoning and more).

- Peace of mind – Public liability insurance up to £2m ensures a big enough safety buffer that you can work on and sell your crafts without worrying about potential claims significantly harming your business.

- Covers small to medium businesses – Cover up to £2m would cover most small to medium sized businesses, which gives you scope to grow under this policy if you are a small business to begin with.

Will £2 million public liability insurance be right for my business?

If you own a small to medium business, it’s very likely that £2 million public liability insurance will be right for you. Even if you don’t think you interact with the public much, anything you sell or any interaction your business has with a member of the public puts you at risk of a claim.

You’ll be able to attend craft fairs and showcase your talents without the risk of financial trouble from a claim. As a small business, this insurance plan would also give you some scope for growth, without needing to take out a larger coverage plan.

If you’re still not sure and want to know more, or to get started with your insurance plan, get in touch today.