Public and Products Liability insurance from only £59 per year

CMTIA is one of the largest and most competitive providers of insurance for market traders, food and drink vans, stallholders and crafters across the UK

Premiums starting from


per year*

Why choose CMTIA for market traders and stallholders’ liability insurance?

  • Quick and easy online application
  • Two levels of Public and Products Liability cover to choose from
  • Option to add Employers’ Liability cover if you have staff
  • No excesses
  • Chosen by thousands of traders and stall holders across the UK to protect their businesses
  • UK based expert support available on the phone

Public & Products Liabilty

This protects you from third party claims for injury or damage to property

Find out more


Employers’ Liability

You need this by law if you employ people

Find out more


Call us

We are open Monday to Friday 9am to 5pm and can be contacted on 0208 102 9400

0208 102 9400

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Frequently Asked Questions

Public Liability covers you if someone, other than an Employee, holds you legally liable for death, or injury suffered, or property damage caused, because of your business activities.  For example, if a customer tripped over a box at your stall and was injured , they could bring a claim against you.

Products Liability covers you if, someone, other than an Employee, holds you legally liable for death, or injury suffered, because of products supplied or sold by you.  For example, if a customer injured themselves because of a sharp object found in a piece of jewellery which broke through no fault of their own, they could bring a claim against you.

Employer’s Liability covers you if an Employee holds you legally liable for death, or injury suffered, whilst undertaking business activities on your behalf. 

Employers’ Liability is nearly always required by law where there is a duty of care owed to people who help you with your business activities.  You can check whether you need Employers’ Liability insurance here.

The definition of an Employed Person is anyone under a contract of service or apprenticeship, anyone undertaking work on your behalf, self-employed persons undertaking work on your behalf, persons hired or borrowed by you from another employer and volunteers or persons undertaking work experience or training schemes.

Employers’ Liability insurance can only be purchased in conjunction with a Public Liability policy and comes with £10,000,000 of cover as standard.

The annual premium for £5,000,000 Public and Products Liability is £59.00.

To include Employers’ Liability, the premium will be £87.00.

If you would like higher limits of indemnity for Public and Products Liability (£10,000,000) prices increase to £70.50 and £98.50 (with Employers’ Liability).

Our one day Public Liability policy is £23.00 for £5,000,000 Limit of Indemnity or £28.00 for £10,000,000 Limit of Indemnity.

All prices quoted are inclusive of Insurance Premium Tax (IPT) at 12% and an £8 administration fee.

All claims are dealt with by your insurer, AXA Insurance UK plc. To report a claim, please contact them directly on 0345 900 4185 (option 3).

You will need the following details which can be found on your certificate of insurance:

  • Scheme policy number (this begins BL BDX, followed by 7 numbers)
  • Policy number (this begins SMT, followed by 5 numbers)
  • Name of the insured

You can find out more information here.

CMTIA and Combined Market Traders Insurance Association are trading names of Hayes Parsons Limited, an independent, Chartered Insurance Broker based in Bristol. If you call or email us, you will speak to our experienced market trader team in the Hayes Parsons office. You can find out more about Hayes Parsons here.

You can renew your policy online here or call us on 0208 102 9400 to renew and pay for your policy over the phone.