One Day Trader Insurance

One Day Public Liability Insurance for ad-hoc traders or stallholders who need a one-off policy for a single event only

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FAQs

Quick and easy online
application

Policy documents emailed to you
within 15 minutes

Affordable cover for one
day events

Premiums starting from

£27

per day*

Apply here

What is a One Day Public Liability Policy?

If you’re unsure whether trading at a market or selling your products is right for you, a one day policy provides Public Liability cover while you test the waters. As the name suggests, it covers you for one specific day at a specific location.

It’s also ideal for charities or community groups running one-off events, such as bake sales or fundraisers. 

Any of the trades we insure may be eligible for a one day policy. 

Why Choose CMTIA for One-Off Event Insurance?

  • Apply online in just 2 minutes, with your documents sent directly to your inbox within 20 minutes
  • Two levels of Public and Products Liability cover to choose from
  • Option to add Employers’ Liability cover if you have staff
  • No excesses, ensuring you’re not out of pocket when making a claim
  • Enjoy flexible coverage with no limits on the number of market or events you can attend
  • Chosen by thousands of traders and stall holders across the UK to protect their businesses
  • UK based expert support available on the phone
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Meet the Traders

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Meet Cal

Cal is a brilliant illustrator, artist and animator who has created his own world full of colourful and whimsical creatures. In his spare time, he breeds tree frogs, a passion that often finds its way into his artwork through quirky amphibian characters. He brings his vibrant characters to life on prints, stickers, jewellery, t-shirts and more!

When Cal first moved to the city he was inspired to start selling his illustrations. He told himself “One day, I want to be able to rely on my own illustrations and the things I love doing the most”. This compelled him to start trading at markets and over time his business has flourished and has accumulated a range of amazing intergalactic designs.

One of the things Cal loves most about markets is the people, both fellow traders and customers who share his passion for creativity. During the cost-of-living crisis, he finds comfort in the supportive community around him, knowing he’s not alone.

Cal started his journey with a table and two art prints. He slowly progressed to small independent markets and now does festivals too.

Meet Elena

Elena is a talented illustrator and artist who creates beautiful lino prints which she sells at markets. Her work is mostly inspired by her love of cats, birds and mythology.

Elena has always been passionate about art, and after studying it, she knew she wanted to turn her creativity into something more. With the support of the Prince’s Trust, she gained the confidence to begin investing into her own business, buying the equipment she needed and started selling her work at markets.

Elena’s market must-haves that every market trader needs are a card machine, and paper, pen and scissors. With less and less people carrying cash, a card machine is non-negotiable at today’s markets. If you find yourself needing to change your prices or spot a mistake, you will need essential stationary such as pens, paper and scissors.

Elena loves the vibrant atmosphere of markets and the connections she makes with customers and fellow creatives. She’s always up for a chit-chat, whether it’s about art, cats, or the craft of lino printing. Most importantly Elena finds it rejuvenating to be out of the house and away from her phone. 

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Employers' Liability

You need this by law if you employ people

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Public & Products Liabilty

This protects you from third party claims for injury or damage to property

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Need to make a claim on your insurance policy?

Find out who to talk to here

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Helpful Resources for One-Day Event Traders

Frequently Asked Questions

Public Liability covers you if someone, other than an Employee, holds you legally liable for death, or injury suffered, or property damage caused, because of your business activities.  For example, if a customer tripped over a box at your stall and was injured , they could bring a claim against you.

Products Liability covers you if someone, other than an Employee, holds you legally liable for death, or injury suffered, because of products supplied or sold by you.  For example, if a customer injured themselves because of a sharp object found in a piece of jewellery which broke through no fault of their own, they could bring a claim against you.

Employers’ Liability covers you if an Employee  holds you legally liable for death, or injury suffered, whilst undertaking business activities on your behalf.  

Employers’ Liability is nearly always required by law where there is a duty of care owed to people who help you with your business activities.  To check whether Employers’ Liability may be needed for your business, please click here.  

The definition of an Employed Person is anyone under a contract of service or apprenticeship, anyone undertaking work on your behalf, self-employed persons undertaking work on your behalf, persons hired or borrowed by you from another employer and volunteers or persons undertaking work experience or training schemes.

Employers’ Liability insurance can only be purchased in conjunction with a Public Liability policy and comes with £10,000,000 of cover as standard.

Yes, you can have up to three business partners or family members named on the policy. If you have employ people, you will also need to purchase Employers’ Liability insurance.  Employees are not named on the policy. 

Premiums start at £27 per day for £5 million cover or £33 per day for £10 million cover. The cost may vary based on additional coverage or specific event requirements.

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 2400.

The main exclusions on the policy are:

 ·        Aviation and hovercraft products

·        Safety critical products including any Motor and Aviation products

·        Firework products

·        How 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 unfortunately cannot provide cover if you sell the following products:

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

All claims are dealt with by your insurer, AXA Insurance UK plc. To report a claim, please contact them directly on 0345 900 4185 (option 3).

To report a claim, you will need the following details which can be found on your certificate of insurance:

  • Scheme policy number (this begins BL BDX, followed by 7 numbers)
  • Policy number (this begins SMT, followed by 5 numbers)
  • Name of the policyholder

You can find out more information here.

You may cancel your policy within 14 days of receiving your policy documents if you are dissatisfied for any reason or the policy does not meet your requirements. A full refund will be issued if you cancel within this period. 

If you cancel your policy outside of the 14-day period, you will get a pro rata return of the policy premium paid. This return premium will be subject to a £10 cancellation fee.

Should a claim have been paid or be outstanding when you wish to cancel, there would be no return of the premium paid.

If you wish to cancel your policy, please email us on [email protected] with your policy number (this can be found on your certificate of insurance), address, post code and date of cancellation. We will get back to you ASAP to confirm the cancellation and any refund due.

A one-day Public Liability policy covers claims made against you for accidental injury to third parties or damage to their property due to your business activities on the insured day.

Yes, you can purchase separate policies for each event. However, if you plan to attend multiple events throughout the year, consider an annual policy for better value.

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.

Exclusions include safety-critical products (e.g., motor or aviation products), second-hand electrical goods, fireworks, vaping products, and professional services. Check your policy wording for a full list of exclusions.

Coverage applies only to incidents that occur during the insured period. Claims arising from incidents outside this timeframe will not be covered.

  • Events on a licensed pitch (local authority licensed or where private landowner has given permissions)

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

No, each stall at the same event requires its own separate policy as they are treated as distinct locations.