Insurance Cover

Insurance partners for Love Your local Market, GM Imber & Sons are commercial insurance brokers who can arrange either bespoke packages for sole traders or provide comprehensive cover to national companies.

 

The company are once again supporting the campaign by providing insurance cover for an unlimited number of traders wishing to test trade during Love Your Local Market fortnight which runs from May 17-31.

 

Please compile the list of traders that you wish to be covered under the policy on an Excel spreadsheet including:

 

  1. The name and address of each trader to be covered under the policy.
  2. The number of days they have traded at the market.
  3. Their mobile or home telephone number.
  4. What goods they are selling.

 

It would be appreciated if you could leave turning in the paperwork until you are absolutely sure you have the details of all of those trading during the fortnight as we do not have the capacity to deal with high volumes of administration.

 

Details to be sent to insurance@loveyourlocalmarket.co

099YA MARKET TRADER ENDORSEMENT

It is hereby understood and agreed that section 10 of this policy does not apply to any claim, loss, liability, cost or expense directly or indirectly arising out of:

  1. The erection or dismantling of any stall or stand.
  2. The action or actions of any Market Trader who is in attendance at the market on an occasional basis against any other such Market Trader.
  3. The action on actions of any exhibitor or trader at any market who has his or her own Public Liability insurance policy or policies.
  4. Excludes work away.
  5. Heat Exclusion – The use of electric oxyacetylene or similar welding or cutting plant low lamps, blow torches, electrical paint strippers, heat guns, asphalt bitumen or tar heaters or similar equipment.
  6. Excludes Treatment
099YB REGISTER OF MARKETS CONDITION

It is a condition precedent to liability that the insured shall maintain a register of all traders participating in the individual markets, which register shall be made available to GM Imber and Sons Limited or the Insurance Company upon request.

099YC DEFINITION OF A CASUAL TRADER

The expression “Casual Market Trader” shall be deemed to mean a Market Trader who attends solely on an ad hoc basis and trades within the market rules but who does not have a permanent pitch within the market.

EXCLUSIONS
  1. Manufacture, sale or supply of pharmaceuticals of any description other than propriety branded medicines not requiring a doctor’s prescription.
  2. Manufacture, sale or supply of safety critical to auto products.
  3. Manufacture, sale or supply of counterfeit goods.
  4. Manufacture, sale or supply of weapons and combat equipment.
  5. Tattooists (other than henna tattoos) and body part piercing.
  6. Delivery and installation.
  7. Operators of amusement rides, simulators and inflatables.
  8. Craft Fair operators, event organisers and the like.
  9. Non-propriety branded skin care products, soaps, bath bombs and the like.
  10. Wood turners and Metalworkers.
  11. Saddlery and any products related to riding animals.
  12. Products for animals that are not intended for domestic use for pets.
  13. Mobility scooters and mobility aids other than walking sticks.
  14. Repair or sale of bicycles, scooters, go karts and similar items.
  15. Anyone with over £25,000 of online sales per annum.
  16. Anyone with over £5,000 of wholesaling per annum.
  17. Deep fat frying.
UNDERWRITERS:

ROYAL & SUN ALLIANCE INSURANCE PLC AND OTHER INSURERS AS DEFINED IN THE POLICY

Authorised and regulated by the Financial Conduct Authority (FCA No. 202323)

ADMINISTERED BY:

GM Imber and Sons Limited

Authorised and regulated by the Financial Conduct Authority (FCA No. 448476)