Stallholders Insurance Cover

Our three key covers for stallholder insurance are Public Liability, Employers Liability, and Stock & Stand Insurance.

Each of these can cover various problems which could occur if you are either attending a single event or multiple events over the course of 12 months.  

The Multiple Event option can offer cover for up to 100 days; these can be spread over 100, 1 day events or 50 two day events. If you need a specific combination, let us know and we can endorse the policy.

Stallholder Public Liability Insurance:

This is our most requested cover. It is a cover often taken out to satisfy the needs of your venue, the event organiser or a local authority.

What our Stallholder Public Liability Insurance covers:

Under our public liability insurance, we cover accidental bodily injury which occurs to a member of the public, or accidental damage to third party property, if it is proven to be as a result of your negligence in connection with your attendance any event where you are holding a stall.

The policy will respond to pay damages, claimants costs and expenses as well as offering defence costs. 

Our cheap public liability insurance can be in place when you are setting up and have taken occupation of pitch as well as when your event is open to the public.

What our Stallholder Public Liability Insurance does NOT cover:

• Property damage claims which are under £250, as this is the excess of the policy.

• Damage or injuries which arise out of a deliberate act, vandalism or is malicious in nature

• Damage to flooring (other than carpeting), the ground or underground services.

• Damage arising from the faulty erection, use or dismantlement of temporary structures (for example if you are setting up a Gazebo).

Employers Liability Insurance

An often overlooked level of cover. Employers Liability Insurance is potentially relevant if you have any volunteers, helpers or employees who are working for your on your stand.

What our Employers Liability Insurance covers:

Under our Employers Liability, we provide cover for your legal liability to pay damages, claimants costs and expenses which arise as a result of an injury to anyone you employ at your event including temporary staff, volunteers or helpers. It doesn’t matter whether they are paid or unpaid however, they must be under your control and supervision at the time they sustain an injury.

What our Employers Liability Insurance does NOT cover:

• Any liability in respect of, or arising from a road traffic accidents.

• The employees of any professional contractor or sub-contractor whose services you are employing; the company you are hiring should have their own cover in place. For example, professional security services, caterers or first aiders.

Event Equipment Insurance aka Stock & Stand Cover.

Event Equipment relates to items which you are bringing to or hiring for the event which do not come as part of the fixtures of fittings of the venue. This is most commonly going to be your stand and your stock.

What our Event Equipment Insurance covers:

Our cover provides accidental damage, loss or theft cover for the stock, stand and additional event equipment you are legally responsible for (i.e. hired, leased or owned) throughout the duration of the event.

When it comes to stock, we will cover the wholesale cost of the items, not the RRP.  

What our Event Equipment Insurance does NOT cover:

• Losses where the repair or replacement of the equipment is under £250 because this is the excess of the policy.

• Theft where there is no forcible or violent entry or exit from any site; or where items have been left unattended and unsecured.

• Damage arising from the faulty erection, use or dismantlement of temporary structures (for example if you are setting up a Gazebo).

• Inventory or stock taking shortages, unexplained disappearance of stock or discrepancies.

• Items of jewellery, clothing, glass wear, Porcelain or which are of a brittle nature, unless agreed and acknowledge by us.

If you are ever unsure about the coverage of our Public Liability Insurance, Employers Liability Insurance or Event Equipment Insurance, you can give us a call to discuss if your stall size or activity is something we can insure under this policy. You can visit our stallholders insurance: what we cover page for more information on just that.

We can also provide event insurance for individual exhibitors you may have at your conference, and we also provide event insurance for conferences and shows, fairs and exhibitions.

Our Policy wording also details all our exclusions and what we mean by certain terms. It is important that you read this before you opt to take out insurance with us to ensure that you are adequately covered for your event and that our insurance policy meetings your needs.