Someone breaks into your studio overnight and steals finished stock, a card reader and key tools used to make orders. You also have damage to the door and lock from the break-in and you cannot fulfil existing customer orders on time.

Commercial Property Insurance may respond to loss of or damage to insured stock, contents and specified items arising from theft or forced entry at your business premises.

During a late-night making session, a heat gun overheats and starts a small fire in your workspace. It damages your stock, packaging and tools and smoke affects nearby items, forcing you to stop orders while you clean up.

Commercial Property Insurance may respond to loss or damage to insured stock, contents and business property arising from a fire at your premises.

After buying your soy candle online, a customer says the jar cracked while burning and hot wax splashed their bench, causing a burn and damaging the surface. They request medical costs and replacement of the damaged item.

Products Liability Insurance may respond to compensation and legal costs arising from bodily injury or property damage caused by a product you manufactured or supplied.

At a weekend market, a customer trips over your extension cord and falls into your display table. They injure their wrist and their phone screen shatters. They claim you did not set up the stall safely and ask you to pay their costs.

Public Liability insurance is designed to cover third party injury claims and defence costs arising from your business activities.