Frequently Asked Questions

How do I purchase a policy as a stall holder?

Using a laptop or desktop computer (not an iphone or tablet) with "pop ups" enabled, go to "my stall" and choose the cover you want then follow the prompts.

Why do I need Product Liability insurance for My Market Stall?

  1. If your biscuits are sold as nut free and they are not – then you will need Product Liability
  2. If your olives are sold ‘without pips’ and one has a pip in it and cracks a tooth- you need Product Liability
  3. If your chicken hasn't been refrigerated properly and a customer gets sick – you need Product Liability

The best news is that Product Liability is built into our package automatically and without extra cost

Doesn't the market operator protect My Market Stall under their Public Liability insurance policy?

The Market operator or owner will have their own Insurance Policy but this will usually only protect their own Public Liability – not a Stall holders Public Liability. 

So if a sign advertising the Market is not secured and hits a patron – their Public Liability Policy will respond. 

However, you will need your own Public and Products Liability Market Stall insurance for any incident that arises from or involves YOUR Market Stall or its products.

What happens when I have a claim or am worried that someone may sue my  Market Stall?

You can call or email us any time. We will immediately advise you of any action that needs to be taken.

We won’t need any boring claim forms completed – just an explanation as to the circumstances.

The first thing to remember is that you can empathise with the injured or aggrieved party, but you cannot accept that it is your fault or liability without involving us and the Insurance Company.

Who is the Insurer?

Our insurance company is AIG.

What excess is payable when I make a claim?

We have a "NO EXCESS" policy.

What coverage does my policy have?

Your policy covers you at markets across all states and territories of Australia.

How do I receive my Certificate of Currency?

Once you complete the online application, wait a couple of minutes and your policy will appear on your computer screen ready for printing plus it will appear in your Inbox as an email from: markets@allianceinsurance.com.au with a PDF attached, containing your Certificate of Currency.


What it means to cover internet sales and sales from home

If you take out our annual cover then you have an option to add on cover for sales from home and/or internet selling.  Selling from home applies when you have a small number of customers come to your home to buy your products.  Both public and product liability apply to selling from home.  Selling on the internet means selling via sites like Facebook,  Ebay and Etsy.  Our cover does not apply to sales to USA, but all other regions in the world are covered by this policy. Product liability only, applies to internet selling.  The total sales from one or both of these options must not exceed $25,000 within the year of the policy.  

Two common items we can't cover - some toys and skin lotions

We can't cover interactive children's toys made from anything solid eg, wood, plastic, metal or buttons.  We can cover dolls and animals that are totally hand knitted or made of felt.  
With regards potions and lotions - we can't cover any topical cream that is applied to the skin and left on eg lip balm, moisturiser, hand cream etc.  We can cover soap or bath crystals as they wash off the skin.

If you are in any doubt, please don't hesitate to call us to clarify your specific situation.

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