LOCAL COMMUNITY INSURANCE SERVICES NOW OFFERS PUBLIC & PRODUCTS LIABILITY COVER EXPLICITLY DESIGNED FOR STALLHOLDERS
If you are participating in your local market, here is our guide to the Public & Products Liability Cover we offer Stallholders.
Why do I need insurance for running a market stall?
As a stallholder, you have a duty of care to members of the public (third parties) who come into contact with you while you are retailing your products and/or services.
If someone is injured in an accident or their property is damaged while you are providing a service, or as a result of a product you have sold, they can take legal action against you. If found responsible, you may be required to pay for the damage or injury you may have caused. Even if you are not found responsible, you may still incur legal defence costs.
The important of Public & Products Liability cover for Stallholders:
A Public & Product Liability policy arranged by LCIS can help provide cover against potentially costly claims that can result from something you do or fail to do as a stallholder.
Here is how Public & Products Liability Cover can work for you next market stall:
+ Public liability: Protects you if you cause an injury to someone in the vicinity of your stall, or you cause damage to third party property as a result of your negligence; and
+ Product liability: Protects you if the goods you sell cause an injury or sickness to your customers.
Cover to suit most stallholders:
Whether you are running a once-a-year car boot sale or regular fresh produce stall, Local Community Insurance Services offer stallholder cover to suit your activities with coverage available in 1, 2 or 3-day periods, or a 12-month annual policy.
Always read the policy terms and conditions:
a customer was to suffer an injury or loss as a result of a product you have sold, they may seek compensation. Before you purchase any stallholder policy, you should always compare the goods and services you are selling with the list of Activities and/or products not covered by this insurance.
If the product or service you are selling is listed in the policy's excluded items, you will NOT have cover if the goods you sell cause an injury or sickness to your customers.
Not sure? Speak with our team today:
If you are ever unsure of risks or how to manage them, please do not hesitate to contact us for more information. You must notify us if the circumstances of your market stall change so we can advise of relevant risk management measures to ensure you are adequately covered.