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From necklaces and bracelets, to earrings, designing and creating jewellery takes a lot of patience and skill. There’s no doubt you pour your heart and soul into making beautiful pieces.
Since you spend so much time perfecting your pieces, it’s only right to ensure that your business is protected. That’s where Markel can help.
With 25 years of experience, we can provide you with jewellery makers’ insurance that suits you and your business.
Cover at a glance:
- Protection for events, markets and online sales
- Legal expenses cover for disputes and claims
- Equipment and stock cover optional
What is jewellery makers’ insurance?
Regardless of whether you work from a shop, studio or your own home, jewellery maker insurance provides protection for your business. From public and product liability insurance to property and cyber insurance, we offer a wide range of cover options that have been designed to ensure you’re appropriately covered, no matter what happens.
Cover starting at
£5 a month*
*Price based on a jewellery maker requiring £50,000 of professional indemnity insurance cover.
Do I need jewellery makers’ insurance?
You’re an expert at what you do, making pieces of beautiful jewellery for others to enjoy as much as you did creating each and every design. But even if your business is thriving, there’s no knowing what might happen next - and that’s why it’s important that you have appropriate cover in place. The truth is, without a suitable insurance policy, you will not be protected financially if something were to go wrong.
For example, if you sell a piece of jewellery to a customer, such as a necklace or pair of earrings, and your creation injures them in some way, they could make a claim against you. In this situation, you may be required to pay significant legal fees and compensation costs. With suitable insurance in place, you can have the peace of mind that these costs will be taken care of, without you needing to worry about paying for them out of your own pocket.
Jewellery maker insurance can also protect you from claims made against you by employees, if you have any. It is actually a legal requirement for businesses with employees to have an employers’ liability insurance policy in place. This protects you if your workers become injured or unwell due to their work. An example of this could be if an employee cuts their hand on a piece of metal while making an item of jewellery, or hurts themselves falling over a box of stock at a craft fair where you are selling your products.
Jewellery makers’ insurance can protect your business premises too. This can include protection for your fittings, fixtures and equipment against events such as floods, fires and theft.
Taking out jewellery makers’ insurance with Markel can give you added peace of mind that your business is protected, even if the worst should happen.
Why choose Markel for jewellery maker insurance?
Your jewellery business is important to you, so that means it’s important to us. That’s why our specialist insurance policies can be tailored to protect you. Check out just some of the reasons why you should choose Markel for jewellery makers’ insurance.
✔ You can trust us
With 25 years’ of experience, you can trust us to find suitable insurance for your business.
✔ Affordable policies
With premiums available from £5 a month, you can find jewellery maker insurance policies that suit you at an affordable price.
✔ Cover that’s designed to suit you
Our insurance for jewellery makers can be tailored to suit the individual needs of your business, giving you total peace of mind.
✔ Positive feedback from our customers
Highly rated by our customers at Feefo.com, we currently insure in excess of 200,000 small businesses throughout the UK.
✔ Get a quote
Get a quote in as little as 90 seconds. It’s that easy.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
Tailor your online jewellery makers business in minutes with these covers
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Public and product liability insurance
Public and product liability insurance ensures that you’re protected against claims made by members of the general public who have sustained an injury, become unwell or had their property damaged as a result of your business. Having craft stall public liability insurance in place means you will be covered against third party claims. You can choose from policies with £1 million to £5 million worth of cover.
Example of a claim:
A customer sustains a deep cut on their hand while handling a piece of art made from metal at your stall. They go on to make a personal injury claim, seeking compensation. Public and product liability insurance covers you for this, plus any legal fees.
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Professional indemnity insurance
If you provide professional services for a fee, such as designs or advice, as part of your business, you may benefit from taking out professional indemnity insurance. This covers compensation and legal costs associated with claims made by third parties.
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Employers' liability insurance
If you have employees working for you, you are legally required to have employers’ liability insurance in place of at least £5 million. This ensures your business is covered for any compensation claims made against you by your employees if they become injured or ill while carrying out their job.
Example of a claim:
While setting up your stall, an employee drops a heavy box of stock on their foot. They make a claim for compensation for the injury and lost earnings.
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Property damage insurance
Property damage insurance provides financial cover for costs involved with the replacement or repair of your business premises and its contents. This insurance provides cover for accidental loss or damage caused by fires, theft and floods. Our property damage policies include portable equipment too. Head over to our office and business equipment insurance page to find out more.
Example of a claim:
Some of your crafts are stolen from your stall. Property damage insurance means you needn’t worry about the costs of having to replace these items.
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Legal expenses insurance
Available up to a value of £100,000 legal expenses insurance covers the costs of legal disputes. This can include the costs associated with personal injury and debt recovery claims.
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Cyber insurance
If you also sell your products online, you might benefit fromcyber insurance. This type of cover protects you in the event of a data breach and can help provide financial help with informing customers, loss of profits and restoring data.
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Occupational personal accident insurance
Occupational personal accident insurance protects you if you’re unable to continue to work as a result of an injury you suffered doing your job. Depending on the type of injury sustained, this cover provides weekly payments or one lump sum.
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Money and personal assault insurance
Money and personal assault insurance covers the costs associated with the theft or loss of money from your business premises or while in transit. This is especially helpful if you carry a lot of cash with you.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does jewellery maker insurance cost?
The cost of your jewellery makers’ insurance will depend on a variety of factors. For example, your premium will be influenced by the size of your business and how much cover you need. Regardless of your business’ individual requirements, you’ll be able to find suitable, affordable insurance when you choose Markel. We offer insurance policies starting from £5 a month.
*Price based on a jewellery maker requiring £50,000 of professional indemnity insurance cover.
Ready to build your quote?
Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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Do I need insurance to sell handmade jewellery?
If you create every piece of jewellery by hand, it’s a good idea to have suitable insurance in place to protect your finances should something go wrong. For example, if a customer injures themselves on a piece of jewellery you’ve made, public and product liability insurance can help cover legal fees and compensation costs if action was taken against you.
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What insurance do I need to sell jewellery online?
If you sell your jewellery online, it’s important to ensure that your business is suitably protected. Our jewellery makers’ policies can be tailored to include cyber insurance. This can ensure you’re financially protected in the event of a data security breach, such as if your customers’ payment details were to be stolen.
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When should I take out jewellery makers’ insurance?
When it comes to taking out jewellery makers’ insurance, there’s no time like the present. Ideally, you should have a policy in place before you start making or selling your jewellery, so it’s recommended that you purchase cover as soon as possible.
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How is Markel regulated?
Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority. You can find out more on the Financial Services Register.
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