Business insurance for Market traders

For temporary retail premises, market traders and stallholders, insurance is a key part of keeping your business safe. The job can be both stressful and rewarding – no two days are the same – but you’re already busy taking care of cash flow, logistics, stock and seasonal staff. Putting business insurance in place means you know you’re covered for the things you might not see coming.

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Insuring yourself as a market trader

No matter how professional your approach, you can be wrong-footed by unexpected events. It might be that a member of the public is injured and blames you for it, or they take issue with something you sold them at a craft fair, whether you’re involved in the manufacturing process or not. You also need to think about how you’d continue to do business if you were injured yourself. Business insurance for market traders will give you peace of mind that you’re covered for those unexpected times.

Why you need business insurance for market traders

Injury prevents work

If you or a partner sustains a back injury meaning you can’t set up your food stall for some upcoming events, it’ll mean no income for a period of time. With personal accident cover as part of  your business insurance, you’ll get weekly pay-outs, or a lump sum, to help pay bills and support with any retraining costs.

Unhappy clients

Part of your stall collapses, injuring a customer. She goes on to seek compensation from your business for the injury and the time spent off work as a result of it. Public liability insurance within your business cover offers protection against the legal costs of defending the claim and a settlement.

An injured employee

An employee has been injured while using a meat slicer on your stall during a food fair you’re attending. The Health and Safety Executive takes legal action as a result. With employer liability insurance you can claim for the costs of defending yourself as well as any compensation you might have to pay.

Not sure what you need?

If you’re not sure what you need, tell us a little more about your business. We’ll build your quote and help you explore any other insurance needs.

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Key types of insurance for market traders

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These are just some of the types of business insurance for stallholders that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.

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