Insurance for Markets, Events & Festivals
Whether it’s a weekend market stall or a multi-day festival, the right cover protects you from unexpected costs and claims.
Common Risks
- Injury to visitors or customers.
- Damage to property you’re using or hiring.
- Theft or damage to stock.
- Event cancellation due to weather or other causes.
Covers You Might Need
Public Liability
Covers injury or property damage claims. A visitor trips over and gets hurt — this policy responds.
Product Liability
Protects you if something you sell causes harm.
Tools & Equipment Insurance
Covers portable items like display stands, POS devices, and stock.
Event Cancellation Insurance
Covers costs if your event can’t proceed.
Why Work with Luma
From a pop-up stall to a large festival, we’ll match the cover to the scale of your event.
FAQs
I only have a stall for one day—do I really need insurance?
Yes (and most market organisers won’t let you set up without it). If a gust of wind catches your gazebo and it hits a parked car, or a customer trips on your display and sprains an ankle, you’re on the hook for the bill. We offer flexible cover that protects you for the day, the weekend, or the whole year, so you only pay for the time you’re actually trading.
What if someone gets sick from food I sold at a festival?
That’s where Product Liability comes in. Even if you followed every health rule in the book, sometimes things go wrong. If a customer claims your “World Famous Chilli” caused them a trip to the hospital, this cover handles the legal side and any compensation. It’s essential for anyone selling food, drinks, or handmade skin products.
Does my insurance cover me if it rains and the event is cancelled?
Standard Public Liability won’t help with a washout, but Event Cancellation insurance will. If a massive storm (or any other covered “act of God”) means the gates can’t open, this cover helps you get back the non-refundable costs you’ve already spent on gear hire, permits, and marketing. It’s the ultimate “umbrella” for your event budget.
What happens if my stock is stolen overnight at a festival?
If you’ve got Tools & Equipment (or Stock) cover, you can breathe easy. Markets and festivals can be busy, chaotic places, and things occasionally go missing or get broken during bump-in. This cover helps you replace your gazebos, POS systems, and your precious stock so you can get back to business at the next event.