From downloading policy documentation to policy FAQs find the information you need here
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.
Employers’ 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 as standard.
Yes, you can have up to three business partners or family members named on the policy. If you employ people, you will also need to purchase Employers’ Liability insurance. Employees are not named on the policy
We can cover trading at a wide variety of events including:
- Shows (not including air shows)
- Fairs, including trade fairs
- Street parties
- Farmers markets
- Car boot sales
- Events on a licensed pitch (local authority licensed or where private landowner has given permissions)
This is unlimited throughout the year, however you can only trade at one event or market at any one time. If you trade at more than one event or market at a time you will need a separate policy for each location. Should you have two stalls on the same market, for example, at the same time, then a separate policy would be required for each location/stall.
If you need further clarification, please contact us on 0208 102 9400.
The main exclusions on the policy are:
- Aviation and hovercraft products
- Safety critical motor products
- Firework products
- Hot work activities (other than cooking of food)
- Products sold to USA or Canada, whether knowingly or unknowingly
- Second hand electrical products
- Vaping and e-cigarettes including replacement liquids chargers and accessories
- Treatment (whether be physical, mental, or cosmetic) other than sale of proprietary cosmetics
- Product recall or rectification of defects
- Delivery of Professional Services
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).
To report a claim, 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 policyholder
You can find out more information here.
You may cancel your policy within 14 days of receiving your policy documents if you are dissatisfied for any reason or the policy does not meet your requirements. A full refund will be issued if you cancel within this period.
If you cancel your policy outside of the 14-day period, you will get a pro rata return of the policy premium paid. This return premium will be subject to a £10 cancellation fee.
Should a claim have been paid or be outstanding when you wish to cancel, there would be no return of the premium paid.
If you wish to cancel your policy, please email us on [email protected] with your policy number (this can be found on your certificate of insurance), address, post code and date of cancellation. We will get back to you ASAP to confirm the cancellation and any refund due.
The CMTIA Market Traders Liability Insurance policy is underwritten by AXA Insurance UK plc.
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.
If you selected email as your preferred communication method, the documents may be in your Junk or Spam folder, please check there. If you still cannot find them please call us on 0208 102 2400 and we can arrange to send you a duplicate set.
If you selected post as your preferred communication method, please allow enough time from the date of your application or renewal for the post to arrive, sometimes up to 5 days. If you still have not received them please call us on 0208 102 2400 and we will arrange to send you another set.
We can send duplicate policy documents to you via post or email. Where posted a £10 administration fee will apply. Please call us on 0208 102 2400 or email us on [email protected].
You can purchase a policy using all major credit and debit cards (excluding American Express) either online or over the phone.
Please call us on 0208 102 2400 to make any amendments to your insurance policy.
Yes, cover is provided automatically but only applies to products which are similar to those sold at physical events. Sales of products to USA or Canada are also excluded.
Should your annual sales from online selling exceed £50,000, then unfortunately this policy is not suitable for you as this is the maximum threshold for online sales to be accepted.
We can only provide cover for non-invasive treatments, using proprietary branded products only.
Some examples of procedures that we cannot cover are:
- Body piercing
- Eyebrow threading
- Hair styling
- Physical and mental treatments