Helpline: 01202 826127

Quotation Request

Craft Insurance

1. Proposer
2. Your Business
3. Public & Product Liability
4. Business Items
5. Employers Liability
6. Statement of Fact
Direct Debit
Calculations
Temporary Stock Exhibitions

1. Proposer

Your Details

We collect and process information from you in order to provide quotes and insurance policies. Your information is also used for business purposes such as fraud prevention and detection and financial management. OurPrivacy Policy explains more about how your information is used and your rights in relation to your information.
Contact Name:
Contact Postcode:
Please type in your postcode, click Get Address, and select your address from the drop down
Email address and Password:




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Contact Mobile:
Contact Telephone:
Are you a permanent resident of United Kingdom, Isle of Man or Channel Islands?
Sorry! We cannot offer you cover in these circumstances
Are all premises based in the United Kingdom, Isle of Man or Channel Islands?
Sorry! We cannot offer you cover in these circumstances
What is the name of your limited company? (Don't forget the Ltd)
Trading or business name, if any?
Leave blank if you don't have one
What is the name of your club, association or society?
Do you have any business partners?
If yes, please supply their names:
Name
Add row
The policy will not cover any of the activities listed below. If you do any of these activities, the policy will be declined.
Do you manufacture, sell or supply, or do any of the following?
  • Medical and health products and pharmaceuticals including dietary or herbal supplements, slimming aids and surgical equipment
  • Adult toys and marital/sex aids
  • Fireworks or pyrotechnics
  • Wedding dresses and bridal gowns
  • Firearms or munitions as defined in the Firearms Act 1968
  • Fertilisers, pesticides, fungicides, animal feeds
  • Any item designed for use in aircraft, hovercraft, water craft or any mechanically propelled vehicle including such vehicles, other than toys
  • Any items which contain or operate using liquid or gaseous fuels or flammable liquids. This does not include alcohol, wax, wax melts, cosmetic products, candles and fragrance oils / essential oils, which we can insure
  • Make, sell or supply gas appliances
  • Second hand electrical goods
  • Produce more than 7,000 litres (1,540 gallons) of beer or cider per year
  • Physical performances, other than demonstrations of craft skills
  • Bush crafts or any similar survival skills
  • Holistic healing or therapies or beauty treatments
  • Advertising, event, fashion, portrait, sport, studio or wedding photography, photojournalism or videography
  • Face painting, henna or temporary tattoos/body art
  • Land or estate management
    • When do you wish your policy to start?
    Sorry! We cannot offer you cover in these circumstances
    **Staff Only** PREVIOUS POLICY NUMBER:
    **Hidden** Hiscox Reference Number
    **Hidden** Insured type code
    *Hidden* First two letters of Postcode
    *hidden* Contact name first name
    *hidden* Contact name surname
    user_agent

    2. Your Business

    Your Business

    Business Activities

    Do you make your own handcrafted items to sell?
    (Cover applies anywhere you go to sell your items, including craft fairs, markets and online)
    Are you a craft club, society or association for the promotion of craft skills and/or the support of crafts people?
    Do you carry out any teaching or demonstrations for adults and/or children?
    If you demonstrate or teach craft skills, do you carry out a risk assessment?
    Sorry! We cannot offer you cover in these circumstances
    What items do you make and sell and, if applicable, what crafts do you teach / demonstrate?
    (This description will be on your insurance documents)
    Have you ever been refused or declined cover for these activities?
    Sorry! We cannot offer you cover in these circumstances
    Is your estimated annual turnover for your crafting activities more than £250,000?
    Sorry! We cannot offer you cover in these circumstances
    Do you permanently secure/fix in position, your work at third party premises?
    eg fitted furniture, permanently installing a sculpture, nailing, bolting down etc
    Sorry! We cannot offer you cover in these circumstances
    Do you trade from shop premises, used only by you, for retail /selling, that don’t include workshop or manufacturing facilities?
    Excluding sheds and kiosks
    Sorry! We cannot offer you cover in these circumstances
    Do you organise any craft fairs, shows or exhibitions where non-club members are invited to participate or exhibit?
    Sorry! We cannot offer you cover in these circumstances
    Do you organise any craft fairs, markets or events open to other stallholders to exhibit/sell?
    (The policy covers you for attending events)
    Sorry! We cannot offer you cover in these circumstances
    Do you trade as a mobile caterer, fast food outlet or serve drinks/alcoholic beverages for immediate consumption?
    Sorry! We cannot offer you cover in these circumstances
    Do you maintain, repair or restorer any third party property over £5,000 other than goods previously sold by you?
    Sorry! We cannot offer you cover in these circumstances

    3. Public & Product Liability

    Public & Product Liability

    Public and Products liability insurance meets the demands and needs of those who wish to protect themselves against the cost of a claim brought against them by a member of the public (excluding employees or volunteers) for bodily injury or damage to their property as a result of negligence, occurring during the period of insurance.
    Do you send over £25,000 of goods to the US and Canada?
    Public and Product Liability for USA/Canada included at no extra cost
    (In the aggregate including defence costs)
    £
    Please advise your estimated annual turnover of sales in £:
    Do you carry out any craft activities more than 3 metres off the ground or floor level?
    ie, feet off the floor, up ladders or scaffolding etc
    Sorry! We cannot offer you cover in these circumstances
    Public and Product - LoI
    £

    4. Business Items

    Business Items

    Business items insurance meets the demands and needs of those who wish to protect their business items (stock, materials, tools and equipment) used in connection with their business activities, against accidental damage or physical loss.
    We can offer additional cover for your stock, materials, tools and equipment used in connection with your craft business, which belong to you. The standard excess is £50 for each and every claim.

    For portable electronic equipment the excess is £150.

    The most we will pay for any one item, pair or set is £5,000. This is in respect of stock and materials only. The additional cover will increase your premium. Premiums are based on the sums insured.
    We can offer additional cover for your stock, materials, tools and equipment used in connection with your craft business, which belong to you. The standard excess is £50 for each and every claim.

    For portable electronic equipment the excess is £150.

    The most we will pay for any one item, pair or set is £5,000. This is in respect of stock and materials only. The additional cover will increase your premium. Premiums are based on the sums insured.
    We can offer additional cover for stock, materials, tools and equipment owned by the club and used for club activities. Please note, we cannot cover items belonging to individual members. The standard excess is £50 for each and every claim.

    For portable electronic equipment the excess is £150.

    The most we will pay for any one item, pair or set is £5,000. This is in respect of stock and materials only. The additional cover will increase your premium. Premiums are based on the sums insured.
    Would you like to add cover for your business items?
    The additional cover will increase your premium. Premiums are based on the sums insured. Please enter the sums you would like to insure:
    Saleable Stock:
    Finished handmade items created and sold by you, or in your care. Please insure at the retail value.
    £
    Materials, moulds & templates:
    Raw materials (including work in progress), moulds and templates used to produce your stock. Please insure at the replacement cost to you.
    £
    Craft tools / equipment / Desktop Computers & ancillary equipment
    Hand tools, machinery and equipment and computer equipment used by you during the creation of your handmade items. Please insure at the replacement cost to you.
    £
    Other Business Items
    Event equipment used at shows to include electronic card readers, stands, tables, stalls and associated equipment other than portable electronic equipment. Furniture, fixtures and fittings, excluding buildings, fixed glass,sanitary fittings and personal effects. Please insure at the replacement cost to you.
    £
    Portable Electronic Equipment:
    Portable equipment used by you, including laptops and tablets, mobile phones and smart phones, cameras, video cameras and other media recording devices and accessories. Please insure at the replacement cost as new.
    £
    Additional Cover included Free of Charge when any cover for Business Items is taken (standard excess of £50 applies)
    Money at all times: £500
    Lock replacement: £250

    Cancellation and abandonment: £250* (when shows / exhibitions are cancelled for reasons beyond your control)
    * Cancellation cover with higher limits may be available through alternative insurers
     
    **Hidden** Total Business Items
    £

    5. Employers Liability

    Employers Liability

    Employers' liability insurance meets the demands and needs of those wishing to protect themselves against claims brought against them by an employee or volunteer for bodily injury.

    If you have employees, and you do not hold Employers’ Liability cover, you may be in breach of legal requirements.

    An employee isn’t solely classed as someone where you are responsible for their tax and national insurance contributions. If you have volunteers, assistants, helpers or work experience students, paid or unpaid, full time or part time, who are working under your supervision, direction or control, they could be deemed employees.

    Limited companies that have two or more directors require compulsory Employers’ Liability cover, regardless of whether they are family businesses, or the directors are husband and wife.

    Are you the sole director of the limited company?
    Do you have any employees / volunteers assisting with your craft activities?
    (Excluding husband, wife, civil partner or close family relations)
    Does the Ltd company have any employees / volunteers?
    Employers Liability with a £10 million indemnity is automatically included.
    Employers' Liability insurance with an indemnity limit of £10,000,000 is included on your policy
    £
    Please supply your HMRC Employer Reference Number (ERN):
    UK businesses employing one or more people are required to have an ERN (Employer’s Reference Number, also commonly referred to to as the ‘Employer PAYE Reference’), which is a unique reference number for your employees’ income tax and national insurance contributions. You will find your ERN printed or written on mandatory documents including the P45, P60, P11/D and on most payslips. It looks something like this: NNN/Aznnnnn (maybe with up to 7 digits).
    /
    Employers' Liability LoI
    £
    **HIDDEN** Is EL Mandatory

    6. Statement of Fact

    Statement of Fact

    By accepting this insurance do you confirm that the facts given are true? We have relied on these facts and all the information that you or anyone on your behalf provided, in agreeing to provide this insurance and in setting the terms and premium.
    Have you read this document to ensure that all the facts stated are accurate and complete? If any of the facts stated, or any of the information provided to us is not correct or needs to be changed, you must tell us as soon as possible.
    Do you agree to tell us if there are changes to this information during the period of insurance? When we are notified of a change we will tell you if this affects your policy. If you do not inform us about a change it may affect any claim you make or could result in your insurance being invalid.
    Sorry! We cannot offer you cover in these circumstances
    Have You or any Directors or Partners been declared bankrupt or become insolvent or made any voluntary arrangement with creditors or been subject to enforcement of a judgement debt either in a personal capacity or as a business within the last 3 years
    Please provide details:
    Have You been convicted of or charged with any offence, other than a motoring offence or conviction spent under the Rehabilitation of Offenders Act 1974?
    Please provide details:
    In relation to your crafting activities in the last three years, have there been more than 2 claims or losses or any claims of a repetitive nature, or did the total value of all claims exceed £2,500?
    Please provide details of any claims, including the date of loss, a brief description, the amount of the claim, and if the claim is still open, has been settled, or has been rejected:
    Are you aware of an incident which has occurred which may result in a claim against you?
    Please provide details of any potential claim(s):
    Documents can be accessed via MyAccount and will be emailed. We currently have very limited access to printing facilities due to the Covid - 19 pandemic and self isolation. Please only request hard copies if they are urgently needed. Would you like a hard copy in the post?
    Please note that we cannot process your application unless you confirm that you have read our terms and conditions
    INTERNAL USE ONLY - Confirm that paper documents have been posted to the client
    INTERNAL USE ONLY - Please select the date that paper documents were posted to the client

    Direct Debit

    Direct Debit

    Customer paying by Direct Debit?
    Name of Account Holder:
    Branch Sort code:
    Account Number:
    Name of Bank:
    Address of Bank:

    Calculations

    Tier 1 - Materials, moulds & templates first £5000
    £
    Tier 2 - Materials, moulds & templates £5000 to £15000
    £
    Tier 3 - Materials, moulds & templates £15000 +
    £
    Tier 1 - Stock first £5000
    £
    Tier 2 - Stock £5000 to £15000
    £
    Tier 3 - Stock £15000 +
    £
    Tier 1 - Tools first £5000
    £
    Tier 2 - Tools £5000 to £15000
    £
    Tier 3 - Tools £15000 +
    £
    Tier 1 - Event first £5000
    £
    Tier 2 - Event £5000 to £15000
    £
    Tier 3 - Event £15000 +
    £
    Tier 1 - Portable first £5000
    £
    Tier 2 - Portable £5000 to £15000
    £
    Tier 3 - Portable £15000 +
    £
    Hiscox Allocated Policy Number
    Date policy documents issued to customer

    Temporary Stock Exhibitions

    Temporary Stock Exhibitions LoI
    £
    Start Date:
    Finish Date: