MARKET STALL INSURANCE FOR TOYS

MARKET STALL INSURANCE FOR TOYS, INCLUDING PRODUCTS LIABILITY

If you are an individual or small business needing market stall insurance for toys, including products liability insurance, we may have specialist insurers that can help secure the cover you need.

At AMC Insurance, as brokers, we aim to provide our clients access to appropriate insurance products, with fair premiums and tailored advice for all your questions.

This page and links to our online quote forms are for customers that only need cover for market stall insurance for toys, including products liability. The insurers may consider cover if there is a small percentage (%) of sales from home / online, or if you have some other products (e.g. clothing, fashion accessories, etc.).

If you are a toy manufacuturer or importer please visit this page: toy manufacturing / importing Or, if you are a crochet / knitting business selling toys and other products and require broader coverage for wherever your business is operating please visit this page: crochet / knitting.

Our experienced team will work with you to tailor a policy to protect you from liability while aiming to achieve competitive premiums. We’re dedicated to guiding you through the whole insurance process, providing clear and friendly advice every step of the way.

WHAT INSURANCE DO I NEED FOR MARKET STALLS IF I’M SELLING TOYS?

There are set insurance products available to protect you setting up a stall at a market:

• Public Liability covers you for accidental injury or property damage caused to third parties by you whilst operating your market stall. The simplest example is a member of the public slipping / tripping over your stall causing injury and resulting in a demand for costs they incurred in medical expenses, etc.

• Product Liability protects you against claims arising from injuries or damages caused by the products you are selling to your customers, but in this instance, only from a market stall location.

These types of insurance are generally required by the market stall operator or local council in order to set up a stall at their location.

HOW MUCH DOES MARKET STALL INSURANCE COST, INCLUDING PROUCTS LIABILITY FOR SELLING TOYS?

As each customer has a different risk exposure it is difficult to provide an exact pricing. At this stage pricing is expected to range from $530 to $700 (inclusive of all charges) for an annual policy (12 months).

WHAT INFORMATION DO I NEED TO PROVIDE TO OBTAIN A QUOTE?

If the above pricing indications suit your needs please complete our online quote request form to receive a formal offer.

Please note: due to the number of inquiries that we receive, we ask that you only complete this form if you intend to take out cover.

If you have general questions about the policy, please email us at alexc@abterrace.com.au 

WILL THIS INSURANCE COVER ME FOR SELLING MY TOY PRODUCTS AT OTHER LOCATIONS (E.G. ONLINE OR AT HOME)?

This page and quote request form are tailored to people who only need cover for Public & Products Liability for attending Market Stalls and are selling toys only. 

If you have a small percentage (%) of sales generated away from the market stall (e.g. at home, or online) then the insurer may be able to consider extending the market stall product. 

Otherwise, if you need cover to follow your business more broadly (i.e. frequent home / online sales, or from a more traditional retail business) then we have alternative solutions available for your business via our toy manufacturer page.

CAN YOU HELP WITH PUBLIC LIABILITY (ONLY)?

No – at the moment we are only providing insurance for market stall operators that need Products Liability too.

WILL THIS INSURANCE COVER PRODUCTS I MAKE OTHER THAN TOYS?

We are currently only working with market stall holders that require Public & Products Liability for the sale of toys. 

If your market stall also sells other products, we may be able to have the insurer negotiate to cover these (i.e. handmade clothing, fashion accessories, etc.). Please include these details within our online quote request form.

Or, if you are not selling toys, then there are likely more cost effective insurance products available elsewhere.

WHY DO I NEED A BROKER FOR MARKET STALL INSURANCE FOR TOYS?

Yes – due to the limited availability of cover for market stall insurance for toys, including products liability, it is most likely you will need an insurance broker.

Direct insurers (e.g. AAMI) are no longer able to provide cover to market stall holders who sell certain products (like toys), even if you only require Public Liability. 

If you only require cover for Public Liability (i.e. no cover for the products you are selling) then there are alternative insurnace covers available to you in the at a lower cost. For example, Auzi offer market stall insurance for Public Liability only but they cannot offer products liability for toys: https://www.auzi.com/portal/public-liability-insurance-market-stall/

Working with an insurance broker also gives you a direct point of contact with someone that has knowledge of your activities and risks and can provide timely and efficient support and advice, including during the claims process.

Also, if your market stall operations grow into a more traditional online/retail shop then your broker can help transition you to a more appropriate insurance policy.

TO INVESTIGATE MARKET STALL INSURANCE QUOTES PLEASE COMPLETE OUR ONLINE FORM OR CONTACT US AT ALEXC@ABTERRACE.COM.AU