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What is craft insurance?
Craft insurance is specialised business insurance for people who make and sell handmade items.
You can buy different types of insurance:
Employers liability insurance - covers costs if employees are harmed
Public liability insurance - covers costs if members of the public are harmed
Product liability insurance - covers costs if your wares harm someone
Do I need craft insurance?
🚩 Employers liability insurance is a legal requirement if you have staff
🚩Some craft fairs will insist you have public liability insurance
Whatever type of craft you make and however you sell your items, insurance can financially protect you if something goes wrong at work.
Without insurance you could end up paying some very high costs if your stock is stolen, your employee is hurt, or your products harm someone.
Why do craftspeople need business insurance?
Avoid a £2,500 daily fine
If you are a UK business and you have any non-family members working for you then by law you must have employers liability insurance.
Without it, you can be fined up to £2,500 for every day you're not insured
Employers liability insurance covers the compensation costs if a worker becomes ill or injured because of their work for you. This includes ex-employees.
For example, if a worker was exposed to toxins which created health issues years later they could sue their old employer for failing to put adequate health and safety measures in place.
Protection for staff injuries and illnesses
If anyone who works for you becomes ill or injured because of their job you could be responsible for the associated costs, including expensive compensation claims.
Employers' liability insurance covers harm caused to employees, contractors, volunteers and anyone else doing any work for you. It's also a legal requirement.
Protect members of the public
If anyone becomes ill or injured because of your work you could be responsible for the associated costs, including expensive compensation claims. For example, if someone trips over boxes stacked by your craft table and fractures their wrist, or if a child swallows a small piece of your product.
Public liability insurance and product liability insurance cover harm to members of the public. They are not legal requirements, but some craft fairs will ask you to have them.
Your stock or equipment is damaged or stolen
Stock insurance can help you recover the cost of losing crafted products to fire, flood, theft and other disasters. Tool cover can offer similar protection for expensive crafting tools.
You might also want to look at business contents insurance for your equipment, including office furniture.
Legal support if you're sued
You can be taken to court if a client or a member of the public believe they have been physically or financially harmed because of your company's business activities, including if their property is damaged.
Crafts people could be found liable for everything from selling a product containing harmful materials to a display falling on a passer-by.
Public liability insurance can cover the legal fees and compensation payouts in the event of a claim.
Did you know?
£68 million in insurance claims ^
That's how much was paid out in 2024. Without business insurance, those customers would have faced paying that bill themselves.
Why should I use MoneySuperMarket?
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What insurance should a craftsperson have?
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Public liability
Public liability insurance protects you if your work harms members of the public.
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Product liability
Product liability insurance covers legal fees if your product causes injury to a customer.
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Employers' liability
Employers’ liability insurance protects you if your staff become ill or injured at work.
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Stock insurance
Stock insurance protects you if your items are lost, stolen, or damaged.
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Tools insurance
Tool insurance covers costs if your tools are stolen, damaged, or lost.
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Personal accident insurance
Personal accident insurance protects you if you're injured.
How much does craft insurance cost?
(Per Year) | Cheapest | Average |
|---|---|---|
Craft stall | £56.59^ | £57.58^ |
Handmade crafts | £56.59^ | £57.85^ |
The table shows the average prices paid by our customers for craft insurance.
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
What’s the cheapest price I could pay?
£4
.72^ a month
According to our latest data, 10% of customers paid this when taking out an annual craft insurance policy.
How much is the average business insurance claim?
£3,377^
The cost of fixing insurable problems yourself is usually significantly more expensive than taking out insurance.
How likely is it that my insurance claim will be accepted?
Almost 9 in 10
All insurance has conditions and exceptions, so you should read your policy documents carefully to make sure you know what is and isn't covered.
When it comes to business insurance, the cheapest option may not be the best option for you. Sometimes it is worth paying a little more to get a better level of cover.
What types of cover are included in craft insurance?
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Can be covered
Financial loss: Compensation payouts to third parties that had their person or property harmed by your work activities
Legal expenses: For things like employment disputes, property disputes, and tax investigations
Personal accident: Offers a lump sum payment if you or an employee are hurt and no longer able to work
Accidental death: Offers a lump sum should you or an employee die as a result of an unforeseen incident
Tools and equipment: Cover to repair and replace business equipment that is damaged or stolen
Business contents: Covers items such as office furniture or computers and phone systems if they’re damaged or stolen
Product liability: Pays out if a customer falls ill or is injured by one of your products.
Stock insurance: Protects you against damage to your goods or your stall, for example from fire or water damage
Business van insurance: Standard motor insurance policies won't usually cover vehicles that are used for work
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Can't be covered
Intentional harm or damage: Either by yourself or an employee
Theft without forcible entry: If your items were not stored safely and there are not signs of forced entry or exit
Drugs or alcohol: If you or your employees were under the influence when the event you want to claim for occurred
Wear and tear: Insurance won't pay out for damage or breaking of tools or equipment that are the result of general wear and tear
Breach of contract: Some types of insurance will exclude cover for costs arising from you breaching a contract
Improper use of business vehicles: If you're using vehicles for work purposes without declaring that to your insurer, or if the person driving is not covered by the policy
Stolen cash: Most policies will not cover theft of takings
Do I need insurance to sell at craft fairs?
There is no UK law requiring market traders and stallholders to have insurance. However, some market and fair organisers may require their traders to have public liability insurance to set up a stall at an event.
Even if you don’t consider yourself a business, when you set up a stall you are technically operating as one. That means you can be held liable for any damages or injuries caused by you or your products at these events. If you often sell your products at craft fairs, public liability and product liability may be valuable insurance types to consider.
Do I need to be a registered business to get craft insurance?
For most craft insurance products, you do not need to be a registered business before applying for a policy. Providers will ask for details about your business but won’t typically ask for your CRN (company registration number).
While it’s important to make your business official and have your paperwork in order, you can easily register your business or yourself as a sole trader and apply for insurance at the same time.
Can I get craft insurance for an online business?
Yes, you can. Craft insurance doesn’t just cover brick and mortar businesses. Whether you’re an online retailer, working from home, or taking your crafts on the road, you can still benefit from craft insurance.
You can also take out specific online retailer insurance.
Can I insure my products at craft fairs?
Standard stock insurance does not typically cover your stock when selling at a fair or market. Usually, policies will protect your stock while stored at your place of business.
To protect your crafts when you sell them at stalls and events, you may need to purchase additional cover. Check your policy documents to see whether your products are protected.
Will home insurance cover my craft business?
No. If you run your craft business from home, it’s unlikely that your home insurance will cover stock, materials and products.
Do I need to register my craft business with HMRC?
Yes, if your craft business income exceeds £1,000 in a tax year, you must register as self-employed with HMRC and file a self-assessment tax return. This trading income figure is set to rise to £3,000 sometime before 2029.
Our expert says…
Craft businesses depend on attention to detail and creativity, but the loss of stock or equipment can be damaging to your operations. Having craft insurance in place helps protect your materials and finished products, as well as covering legal fees, injuries and damage to property - vital when you take on staff and trade with customers.
Jake Edmonds Travel & Commercial Insurance Expert
What other trades could I get insurance for?
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Is business insurance eligible for SuperSaveClub and rewards?
No, at this time business insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Who are Simply Business?
Simply Business is one of the largest insurance brokers in the UK. They work with leading and specialist insurers to provide cover for small business owners, landlords and self-employed workers.
MoneySuperMarket has a commercial partnership with Simply Business. They offer various business and landlord insurance policies from different insurers through our platform, allowing our customers to find affordable quotes and policies that suit your specific needs.
Reviewed on 10 Dec 2025
According to Simply Business data, 10% of customers paid this amount or less monthly for a craft insurance policy. Figure based on annual policies purchased in 2024.
Source: Gov.uk
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
From 01.06.23 to 31.05.24 MoneySuperMarket customers received £1.59bn estimated savings based on (i) SuperSaveClub reward redemptions, and (ii) savings claims per product multiplied by the number of sales. Products included - Car, Home, Pet and Travel insurance, Broadband, Credit Cards, Loans and Mortgages.
According to Simply Business data, 51% of customers paid this amount or less for an annual craft stall insurance policy. Figure based on policies purchased in 2024.
According to Simply Business data, 51% of customers paid this amount or less for an annual craft stall insurance policy. Figure based on policies purchased in 2024.
According to Simply Business data, 10% of customers paid this amount or less for an annual homemade crafts insurance policy. Figure based on policies purchased in 2024.
According to Simply Business data, 51% of customers paid this amount or less for an annual homemade crafts insurance policy. Figure based on policies purchased in 2024.
88% of business insurance claims made by MoneySuperMarket customers were accepted in the 12 months before March 2025. Data from SimplyBusiness.
Average claims value for MoneySuperMarket customers who claimed on their business insurance in the last 12 months. Data provided by SimplyBusiness.
Simply Business data 2024