Market stalls present unique liability exposures: Physical Injuries such as tripping hazards or unstable structures. Product Liability if your product causes illness, allergies or injury. Property Damage if your equipment damages the venue or other property. Food vendors also face additional risks related to foodborne illness and contamination. Public liability insurance can cover legal costs, compensation, medical expenses, product liability and property damage.

Most direct insurers usually offer Listed Events only as standard. While it’s cheaper, it can also leave you exposed when something unexpected goes wrong. With a Listed Events policy, your insurance will only respond to specific events, and if the damage doesn’t fall under one of these predefined events, it may not be covered. Accidental Damage provides broader protection. It includes everything covered under Listed Events, plus unexpected, unintended, and unforeseen damage.

If someone is injured or their property is damaged due to your business activities, you may be faced with a public liability incident. Here's what to do: ensure safety first, record the incident details, take photos, do not admit fault or liability, and contact your broker as soon as possible.