Why do crafters need insurance?

Running a craft business from home might feel low-risk, but the moment you sell something or invite a customer to collect an order, you take on real legal and financial exposure. A standard home contents policy typically won't cover business equipment, stock, or tools - and it won't protect you if a customer claims your product caused them harm.

Craft insurance fills that gap. It's specialist cover designed for makers and small creative businesses operating from home or at markets, fairs, and online.

What does it cover?

A good craft insurance policy can include several types of protection. Here's what to look for:

Who is it for?

If you make and sell anything by hand - candles, ceramics, clothing, baked goods, soap, artwork, or hundreds of other crafts - you likely need some form of insurance. It's especially important if you sell at markets or craft fairs, take custom orders, or run a shop on Etsy, Not On The High Street, or similar platforms.

Even if you only sell occasionally, the cost of a claim could far outweigh the modest cost of a policy.

How much does it cost?

Cover is often more affordable than crafters expect. The price depends on the type of craft, your annual turnover, and the level of cover you choose. Many policies start from just a few pounds a month - and can be tailored to suit part-time makers as well as full-time businesses.