020 8102 9400 enquiries@cmtia.co.uk


This is a summary of the significant features, benefits and limitations of the cover provided under the C.M.T.I.A. Ltd Market Traders Liability Insurance, underwritten by AXA Insurance UK plc. For full details of the cover including complete terms, conditions and exclusions please refer to the policy booklet, a copy of which is available upon request.


Download the Policy booklet

Axa Insurance Policy Document








Summary of Cover:

Public and Products Liability

Legal liability to pay damages for;

Accidental bodily injury or personal injury,
Accidental property damage, nuisance or trespass occurring during the period of insurance and in connection with the business


Public Liability £5,000,000 Limit of Indemnity any one event.
Products Liability £5,000,000 Limit of Indemnity any one period of insurance

Option to increase to £10,000,000 Limit of Indemnity on payment of an additional premium.

Past bankruptcies, insolvencies, or criminal convictions considered on their individual merits

Policy can cover up to max. 3 individual names under the 1 policy.


Indemnity to Principals cover,
Data Protection cover,
Defective Premises Act cover,
Personal Liability cover, and
Compensation for Court attendance cover £500/day


Main Exclusions

Aircraft and watercraft,
Aviation and hovercraft products,
Firework products,
Products exported directly or indirectly to the United States of America or Canada,
Professional duty in relation to advice, instruction, design, supervision given for a fee,
Products recall,
Radioactive contamination,
Sale or supply of second hand electrical goods (including e-cigarette charging devices),
Sale of food from mobile vehicles unless on a licensed pitch and
Treatment risks arising from physical, mental or cosmetic treatments (other than first aid, or the use of propriety brand cosmetics for make-up, manual facial massage or facial cleansing) including beauty treatments for; tattooing, body piercing, hairdressing, waxing and threading.
Shop Front Extensions.
Vaping and e-cigarettes including replacement liquids, chargers and accessories.
Counterfeit Goods.




Employers Liability

Legal liability to pay damages;

in respect of bodily injury to employees caused during the period of insurance and arising out of and in the course of their employment in connection with the business.

Significant Features and Benefits

£10,000,000 Limit of Indemnity any one claim. Limited to £5,000,000 in respect of Terrorism.

Cover can only be purchased in conjunction with the Public and Products liability insurance, and at a fixed annual premium when included.


Manslaughter costs
Safety legislation costs,
Compensation for Court attendance cover £500/day,
Personal Liability cover,
Principals liability

Main Exclusions

Radioactive contamination, and
Road Traffic Act, where it is necessary to arrange compulsory motor insurance or security



For full terms and conditions please refer to the Market Traders Liability Insurance policy booklet