Insurance Requirements
2M + Public Liability and Products Insurance
Very Low Risk – “Small cottage type” stall selling goods and products e.g. an individual selling trinkets, baskets, pottery, items of clothing [hats/gloves etc.].
£5M + Public Liability and Products Insurance
Medium Risk – Small trader/organisation stalls selling goods and products e.g. soft furnishing, edible or liquid products (e.g. wine) with low risk of allergic reactions , not using gas or electric appliances on the stall, face painting, stick on tattoos,
£10M + Public Liability and Products Insurance
Larger trader/organisation/ company selling goods and products e.g. combustible furnishing and or furniture, edible and liquid products with a risk of allergic reactions (may contain nuts), using gas or electric appliances on the stall or storing gas cylinders, bouncy castles, animal rides, or small fairground type attractions.
Please also note that where there are significant numbers of people congregating or where for example there are vehicles or equipment operating then significantly higher cover than £10m may be required.
If the stall holder employs anyone the Council requires £10M Employers Liability Insurance to be in place.