Christmas is a very busy time of the year for small businesses and freelancers. Many will attend multiple events to increase their sales during the festive season. Christmas markets are a popular way to boost brand awareness and reach a wider audience throughout December. Running stalls at Christmas markets can have a big impact on your bottom line.
There are a few important things to be aware of if you’re interested in running a stall this festive period and you must have insurance in place before you start attending Christmas markets. At David J Miller Insurance Brokers, we can help you to get stalls holder insurance that provides cover in a range of situations. Over the years, we have assisted both experienced and amateur stall holders with protection. Below we have explored some of the main reasons why you should ensure you have suitable stall holder insurance this festive season.
The Benefits Of Having Stall Holder Insurance This Festive Season
When you have a stall at a Christmas market, it isn’t uncommon for event organisers to require you to have your own insurance. In particular, you will often need public liability insurance to run a market stall at an event. It’s always beneficial to speak to an event organiser about the type of insurance you need to have. Once you know what’s required, you can make sure you have suitable policies in place before setting up your stall.
Protects against liability issues
It isn’t uncommon for accidents to happen at Christmas markets and if a member of the public is injured whilst interacting with your stall, there is a chance that you could be liable. Insurance will protect against any potential claims brought against you and you won’t have to worry about liability problems. If you have employees or volunteers helping you on your stall during the busy festive season, there’s a high chance that you will also need employers liability insurance too. This will protect you against any compensation claims made against you if you’re believed to be responsible for an injury at work.
Prevents loss of earnings due to cancellations
Several circumstances completely out of your control can result in a Christmas market being cancelled, especially during the winter months, and you will lose out on the opportunity to sell your products. Lots of market traders rely on a successful festive period to help them remain profitable. Frequently having events cancelled can have a huge impact on their bottom line. Thankfully, event cancellation insurance can provide cover for any potential losses of the stall holders and it is very beneficial.
Reduces costly equipment replacements
There are lots of different types of stalls at Christmas markets, some of which are more extravagant than others. Regardless of the size or shape of your stall, ensure you have adequate protection in place for your equipment. Having equipment insurance will help you to keep your stall open at the busiest time of the year. If your equipment is damaged, insurance can enable you to fix it or replace it and you can continue attending markets. This type of insurance can cover both hired equipment and equipment you own.
Provides peace of mind
Taking the time to find insurance policies that provide suitable public liability cover and equipment cover, for example, will provide peace of mind this festive season. You can attend a range of Christmas events and welcome people to your stall without worry. The right stall holder insurance will help you to enjoy the festive period. With event insurance, you can be confident that you’re adequately protected for a range of eventualities.
Getting suitable stall holder insurance
Here at David J Miller Insurance Brokers, we have many years of experience helping stall holders get the insurance they need. We have built a reputation for providing competitive event insurance. Our team will work closely with you to help you find insurance policies that meet all of your requirements. We are committed to meeting your expectations.
We understand that lots of stall holders need insurance in time for specific events. Consequently, we pride ourselves on being able to arrange cover fast. You can call our team directly on 01254 355 159. We will happily help you explore the range of stall holder insurance options available. We are proud to say that many of our clients return to us for insurance year after year.