Event & Festival Traders

This is unlimited throughout the year, however you can only trade at one event or market at any one time. If you trade at more than one event or market at a time you will need a separate policy for each location.  Should you have two stalls on the same market, for example, at the same time, then a separate policy would be required for each location/stall.

If you need further clarification, please contact us on 0208 102 9400.

The main exclusions on the policy are:

• Aviation and hovercraft products
• Safety critical products including any Motor and Aviation products
• Firework products
• Hot work activities (other than cooking of food)
• Products sold to USA or Canada, whether knowingly or unknowingly
• Second hand electrical products
• Vaping and e-cigarettes including replacement liquids chargers and  accessories
• Treatment (whether be physical, mental, or cosmetic) other than sale of proprietary cosmetics
• Product recall or rectification of defects
• Delivery of Professional Services 

For further details, please see the summary of cover and policy wording

Yes, if you want to operate a market stall, you’ll need to apply for the appropriate licence from your local council. Depending on how and where you trade, you will generally require either a market stall licence or a street trader licence.

• Trading without the correct licence can result in prosecution for illegal trading.
• If you’re running a food stall, you must also register with your local authority’s environmental health department to ensure compliance with food safety regulations.

It’s important to check with your local council for specific requirements and ensure all necessary licences are in place before you start trading.

CMTIA offers comprehensive liability insurance tailored to a wide variety of market traders and stallholders, ensuring you’re protected no matter what you sell or where you trade. Our coverage includes:

• Market Stallholders: Whether you have a permanent stall at an indoor or outdoor market, or you operate pop-up or temporary stalls across different locations, CMTIA covers traders selling a wide range of products such as toys, fruit and vegetables, vintage clothing, books, and more.
• Food and Drink Vendors: If you’re selling food and beverages, there are unique risks involved. From hot coffee spills to potential food poisoning incidents, our insurance helps protect you from the financial fallout of these unforeseen events.
• Artists and Crafters: For those selling handmade goods like cosmetics, candles, crochet items, cards, jewellery, and other crafts at markets, fairs, or events, CMTIA provides coverage that safeguards your creative business from liability claims.
• Event and Festival Traders: If you trade at licensed events such as festivals, carnivals, street parties, village fetes, or pop-up events, our insurance ensures you’re covered for the potential risks that come with large crowds and temporary setups.

Absolutely. If an event organiser requires a higher limit of Public and Product Liability insurance (e.g., £10 million), you can easily upgrade your coverage by contacting us. Public and Products Liability insurance. 

Yes, we offer One-Day Event Insurance starting at competitive rates for traders attending single-day events. Any of the trades we can insure can qualify for a one day policy.

Events such as markets, fairs, festivals, street parties, charity fundraisers, and farmers’ markets are typically covered. Ensure the specific event is listed in your policy.

Yes, Employers’ Liability insurance is legally required if you have volunteers assisting with your business activities.