People who sell products at fairs, festivals, concerts, and special events in the UK have rather specialised needs when it comes to insurance cover, but the industry offers bespoke solutions that will suit your requirements admirably. Stallholders, outdoor-event caterers, and market traders often work only part of the year when the weather is suitable.
Insurance cover is just as important for outdoor merchants as it is for people operating out of established retail locations. Festivals attract huge crowds of people from all levels of society. Accidents, thefts, and fights occur as a matter of course. People on holiday often get carried away by relaxation and drink, and they fail to exert normal discretion.
Outdoor food preparation also generates risks. During busy festivals, it might be easy to forget to check thermometers. Festivals could last several days, and food must be kept at safe temperatures in the hot sun. Food poisonings occur at festival events every year. Often people do not even realize what has happened – they attribute their sour stomachs to overindulging. Food safety protocols and insurance cover are essential protections for vendors serving food to the public outdoors.
Stallholders generally choose from two kinds of cover.
Price comparisons offer the most convenient way to assess the levels of cover and prices to find a plan that suits your needs and budget. You should never risk bankruptcy to save a few quid on operating expenses. If a person suffers injury and you are judged negligent, then you could be responsible for hospital bills, injury awards, and solicitors' fees. Liability insurance offers peace of mind for relatively small premiums.