Market trader insurance by monthly subscription
- Over 1,000 different business types covered
- Customise cover to meet your needs
- Add, remove or cancel cover at any time
Market trader insurance is business insurance for market stallholders. It might also be called market stall insurance.
Cover varies by provider and personal requirements, but usually includes public liability, product liability and cover for goods.
Markets can get pretty hectic, and so public liability cover is very important for market traders to have. It covers you in case a member of the public is injured or their property is damaged and your business is responsible. For example, if someone trips over your stall or some of your stock.
Another important bit of cover for market traders is product liability cover. This type of insurance helps with legal costs and compensation payments if a product you’ve sold to a customer causes them harm in some way. It doesn’t matter whether you manufactured the product or not – you might still be liable for damages.
If you employ staff, even unpaid help, you are legally required to take out employers’ liability insurance.
Other policies you’d want to consider include van insurance, goods in transit cover, stock insurance and business interruption cover in case something happens that means you cannot work for a period of time.
As a market trader, you come into regular contact with members of the public in a busy environment. This can lead to accidents, which can lead to legal action against you. These types of claims can run to millions of pounds, so you want to be protected in case this happens.
Product liability claims can also be financially devastating and you don’t need to have made the product to be liable – it’s enough that someone bought it from your stall.
Employers’ liability cover is a legal requirement, so if you employ staff you have to take at least this out.
Lastly, you’d want to protect your stall, your stock and yourself in case something happens, so that you can get back to work asap. This is where goods in transit, stock insurance and personal accident cover come in.
The exact specification of the policy will depend on the insurer you choose and your own personal requirements, but market traders insurance usually includes the following:
Other types of cover you might wish to take out include:
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