Flexible cover for artists, crafters and their crafts, selling products online or in a retail shop. Public liability, product liability and more, by monthly subscription.
Why choose Superscript for crafts insurance?
Whether you're working at home, in your studio, or selling your art online, we've got cover to protect your business. And if what you do changes from time to time, you can update your cover so that you're only ever paying for what you need.
20% of craft businesses paid £7.95 a month or less for their Superscript business insurance between April and June 2022.
- Craft cover to meet your needs
- No-commitment monthly cover
- No fees for cancelling or changing your cover
- Protect your business from a range of risks
- Ideal for side-hustle crafters
- Sell your crafts with confidence
Get cover for your arts and crafts business in less than 10 minutes
Change or cancel your cover at any time with no fees or penalties.
What insurance do I need for my crafts business?
Public liability insurance
Public liability for a crafts business will protect you against claims of accidental injury or property damage from members of the public. If you invite clients or customers to your business to pick up their purchases, have suppliers delivering materials or have a physical store that sells your creations, the risk of an accident involving a member of the public is greater. If something did happen, public liability insurance would cover the legal and compensation costs associated with the claim.
Product liability insurance
Product liability for a crafts business will protect you against claims of accidental injury or damage due to your product. With Superscript, it comes included with your public liability insurance (at no extra cost to you).
If you sell things like candles, which are more likely to injure someone than say, a small painting, product liability is particularly useful.
Contents and equipment insurance
Business contents insurance is to cover all the physical equipment you use to run your business, from phones, cameras, laptops or special equipment and tools you use. Our policy will cover the costs for repair or replacement of your essential equipment so that you’re up and running again in no time. Our mobile protection will also cover your insured contents and equipment anywhere in the world for up to 90 days.
Employers liability insurance
Employers liability (EL) cover is a legal requirement for UK companies that employ staff. With our monthly subscription model it's easy to make changes to your cover as your team grows or your business evolves.
If you have an online shop or hold any personal data (for example, contact and payment information via a card payment system) then flexible cyber insurance could be a real benefit to your business. It protects sellers from claims arising from cyber and data liability as well as provides a vital expert support system if you experience a security breach.
We've made insuring your business simple. Get started.
Crafts insurance claims
Insurance claims in the crafts industry are different for every type of business, but here are a few examples of claims where your business could be liable:
You make scented candles to sell online and a product of yours burns unevenly, setting fire to a customer’s table at home. The product liability element of your crafts insurance covers you for any claim made to replace or repair the customer’s table.
You are displaying your pottery at a crafts fair and loose wiring around your stall causes a member of the public to trip and injure themselves. Public liability cover within your crafts insurance policy ensures you are covered if the injured person decides to claim compensation.
Online store hacked
You sell your artwork via an online store which is targeted by cyber criminals who steal your customers' card payment details. Cyber insurance should cover any compensation due to customers, fines and legal costs, as well as providing industry leading breach-response support.
How do claims work?
You make a claim
Log in to your online account and go to the ‘Make a claim’ section. There, you can make a claim directly – there's no need to call us.
We'll ask you for some details about your claim, including a crime reference number (if applicable), the date of loss or claim made against you, type of claim and its detailed description.
In the portal, you can also attach any relevant supporting documentation like proof of loss, proof of purchase, a letter of demand or a statement of claim.
We'll get on the case
Once submitted, your claim will be assessed by our experts.
If the claim is large, we may need more information from you. If it's small, however, our team may be able to settle it within a couple of days (or hours, in some cases).
Either way, we'll keep you regularly updated and you'll be able to see the status of your claim on our customer portal.
Your claim is settled
After it's been assessed, we'll let you know if your claim has been successful or not.
If items have been lost, stolen or damaged, we might arrange for the items to be replaced or make a payment to you.
If you’re liable for something we will assist you with legal support.
We offer business insurance to cover over 100 different crafts
From painters to sculptors and knitters to printers, we insure a wide range of homecraft businesses to protect them from a variety of risks and exposures.
While most of the covers included in crafts insurance are not required by law, they can be crucial to help protect many small craft businesses from unexpected expenses.
To see if we offer flexible insurance for your particular crafting endeavour, simply click ‘Start your quote’.
Crafts insurance FAQs
Although public liability insurance isn't a legal requirement in the UK, you may find that the organiser of a crafts fair or market will require you to have public liability cover. If you only need it from time-to-time, our monthly subscription model means that you don't need to worry about being bound to an annual contract over months when you don't need cover.
Sometimes this is dictated by the owner of an event, or pop up space, but we offer a choice between £1m, £2m or £5m cover. If you start with one level of cover and your needs later change, you can always update it within your online account.
Like public liability cover, product liability insurance isn't mandatory in the UK. However, many crafts business owners consider it, particularly when selling items which are more likely to face a claim at some point, such as handmade candles.
If you're selling items online, you'll be dealing with some customer data (for example, names, addresses, payment details). Cyber cover will protect you against any data breaches involving the details of over 50 people and with GDPR in force, an accidental breach could land you with a hefty fine.
Media liability cover protects against accidental trademark infringements. An example of how this might happen when selling your arts and crafts online is if you were to accidentally list an item using a trademarked name. Media liability would cover legal and compensation costs.
If you wish to take out insurance for your crafts business, then the policy should begin when you start trading or as soon as possible afterwards. You can set up an insurance policy with Superscript to take effect from a specific date in the future when you expect to begin trading.
Yes, your crafts insurance premium is an ‘allowable expense’ and can be written off against your taxable profit for the year.
You should keep records of all your business expenses in case you are audited by HMRC. In the case of your business insurance, the records that should be retained are your invoices and policy documents.
If you intend to sell products for profit, then for the purposes of tax you will need to register either as self-employed, as a sole trader business, or as a limited company. Which of these company structures you choose is up to you, and you can read our guide to the differences between different structures for more information.
Superscript’s monthly subscription model is different to many more traditional insurance providers who only sell insurance as annual policies. By paying monthly, you can continue to adapt your policy throughout the year to best fit your business needs.
For small homecrafts businesses, paying monthly rather than in one annual lump sum can help with your cash flow as you establish your business.
To find out more, check out our blog post on the benefits of monthly business insurance.
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