Made at Home Insurance

Protect your home-based craft or small business with tailored insurance.

If you create handmade goods and sell them online, at craft fairs, or in local markets, your home insurance may not cover you for business activities. That’s where Made at Home Insurance comes in, designed specifically for people who run small businesses from home.

What is Made at Home Insurance?

Made at Home Insurance provides specialist cover for individuals who:

Make and sell products from home (e.g., candles, soaps, jewellery, crafts, food items, clothing)

Sell online through platforms like Etsy, eBay, Amazon or their own website

Trade at craft fairs, makers’ markets, pop-up shops, or other events

It helps protect your stock, equipment, and liability to others—so you can focus on growing your business with peace of mind.

What Does Made at Home Insurance Cover?

A typical policy can include:

Property & Stock Cover

Protection against risks like fire, theft, flood, storm, escape of water, and accidental damage. This includes your materials, tools, and finished products stored at home.

All Risks Cover

Protection for your goods when taken away from your home—for example, when selling at craft fairs or transporting stock.

Public Liability Insurance

Covers you if a customer or member of the public is accidentally injured, or their property is damaged, as a result of your business activities (e.g., someone trips over your stall at a fair).

Products Liability Insurance

Protects you if a product you make causes accidental injury or damage—for example, a candle that causes a fire or a cosmetic product that causes a skin reaction.

Employers’ Liability Insurance

A legal requirement if you employ anyone, even casually. Covers injury or illness claims from employees helping in your business.

Typical Exclusions to Be Aware Of

While cover is broad, there are some common exclusions, such as:

Stock stored in basements or on ground floors needing to be kept raised off the floor (to prevent flood damage).

Liability cover usually won’t extend to contractual liability or damage to your own property.

Certain high-risk products (such as food and cosmetics) may require extra details or specific cover.

Why Do I Need Made at Home Insurance?

Running a home-based craft business may seem small, but risks are very real:

If your stock is damaged in a fire or flood, could you afford to replace it?

If a customer claims your product caused them harm, would you be able to pay legal costs?

If you’re attending events, organisers often require proof of public liability insurance.

Made at Home Insurance ensures your creative business is properly protected and can continue to grow without unexpected setbacks.

How Much Does Made at Home Insurance Cost?

The cost depends on factors such as:

Type of products you make
Value of stock and equipment
Where you sell (online only, or also at events/markets)
Whether you employ anyone

Policies are designed to be affordable for small businesses, with options to suit hobbyists and full-time makers alike.

Protect Your Home-Based Business Today

At The Yorkshire Broker, we understand the unique needs of home-based makers and crafters. We’ll take the time to understand your business and arrange the right insurance package for you—whether you sell online, at markets, or both.

Call us on 01924 929070 today to discuss Made at Home Insurance.