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Short answer: a market organiser may make public liability insurance a condition of booking, but there is no single limit or wording that fits every stallholder. Check the event contract, the activities you will carry out and what your policy actually covers before trading.
What public liability is for
Public liability insurance may cover legal liability for accidental injury to a third party or damage to their property arising from the business, subject to the policy. It is not a guarantee that every incident is insured. Limits, excesses, exclusions and conditions vary by insurer and wording.
For a seasonal stall, describe the products, cooking or demonstrations, use of heaters or electrical equipment, customer interaction and how the stall is set up. If selling food or goods, public liability is distinct from product liability, which may address injury or damage alleged to arise from a product. Neither automatically covers every recall, faulty item or contractual dispute.
Before accepting a pitch
- Ask the organiser what certificate, limit and wording they require, and by when.
- Check the insured business name, dates, location and activity are accurate.
- Tell the broker about food preparation, open flames, alcohol, rides or other higher-risk attractions.
- Review safe setup, cable routing, fire precautions and incident records.
Explore Insure24’s public liability information or contact the broker with the organiser’s requirements. Insure24 is a broker; insurer terms and cover depend on the submitted risk details and policy wording.
This guide is general information, not a personal recommendation.
Common questions
Does this article replace insurance advice?
No. It is general guidance only. The right policy still depends on the business activity, contracts, locations, turnover, staff, assets, claims history and insurer wording.
What information should I prepare before asking for quotes?
Prepare turnover, wage roll, activities, locations, contract requirements, claims history, asset values, existing policy details and any deadlines for evidence of cover.
Where should I go next?
Use the main Business Insurance page if you are ready to compare quote-led cover options or talk through the risk with Insure24.