Market Stall Liability Insurance

Public & Products Liability Insurance Cover Available

  • Insurance Period
  • Annual Cover
  • Annual Cover
  • 6 Month Cover
  • 6 Month Cover
  • Limit of Liability
  • $10,000,000
  • $20,000,000
  • $10,000,000
  • $20,000,000
  • Total Premium
  • $210 / year
  • $275 / year
  • $180 / 6 months
  • $225 / 6 months

(Options for 1 or 3 months available on request.)
These are indications only subject to change depending on the products sold and if selling from a stall in a shopping centre.
Formal quotes subject to a fully completed application form as below.

Products Liability

Products Liability not just Public Liability – for injury to customers and damage to other people’s property.

Markets covered anywhere in Australia


Wide range of acceptable products eg Arts & Crafts, Handmade Products, Homemade Produce, Toys & Plants.

Casual Leasing

Casual Leasing up to 45 days – for stall/tables in a shopping centre with our Market Stall Insurance.

Cover included

Cover for Wholesaling, Web Sales & Non-Market retailing can be included.

Limit of Liability options of $10,000,000 & $20,000,000.

Competitive and Trusted

Very Competitive Prices.

Long term APRA approved Australian Insurer.

Recommended by many of our clients.

About City Rural Insurance Brokers

City Rural Insurance Brokers in Adelaide South Australia, was established in July 1995 and over this time has developed specialist brokers in areas ranging from Commercial Motor, Market Stalls, Professional Indemnity, Liability, Business, Event and Arts and Crafts Insurances for clients across Australia. Our Brokers have over 50 years of Industry experience.

We are members of the Steadfast Group, which entitles our clients to additional benefits on a range of policies from Home & Contents, Private Motor and Business Pack Insurance to name a few, at no extra cost.

Market Stall insurance gives stall holders peace of mind knowing they are covered for unforeseen circumstances, both for themselves and for the general public. Many market stall organisers require market stalls to be insured as its often a prerequisite for their own insurance.

Market Stall Insurance Explained

What is it and Why you need it.

Though liability insurance is optional in most cases, it is strongly recommended for Australian market stall holders as the likelihood of being sued for negligence is unpredictable and may be very costly. Types of liability insurance you may need to consider include:

Public liability insurance

This covers your liability for damage to property or injury to a third party that occurs in your designated market stall area. It protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or economic loss resulting from your negligence.

Product liability insurance

Under the Australian Consumer Law, consumers who suffer loss or damage because of safety defects in a manufacturer’s goods when supplied in trade or commerce can:

  • take the manufacturer to court (a court can award compensation to cover the loss or damage), or
  • make a complaint to a consumer protection agency, which may take action on the consumer’s behalf.

Therefore you may need cover against claims of goods (products that you sell at your market stall) causing injury, death or damage. Product liability insurance covers you if any of these events happen to third parties by the failure of your product or the product you are selling.

Talk to a City Rural broker today to discuss what cover is best for you.

Make an Enquiry

Products Insurance & Public Liability Insurance specifically designed to cover the needs of Market Stallholders. This policy will provide protection to you, where you have a liability at law for property damage &/or bodily injury to another person.

In order for City Rural Insurance Brokers to provide you with an Obligation Free Quote, please complete the following.

Personal Information

Name *

Company Name


Suburb/Town *



Email Address *

Phone *


Mobile Phone

Preferred method of contact *

Occupation *

Period of Insurance

From: Inception commences from date payment & application received & approved by City Rural Ins Brokers
To: 12 Months after the "inception date" to the last day of that particular month at 4.00pm

Are you or have you previously been insured for liability insurance? *

Have you had any liability claims, incidents or accidents made against you (whether insured or not)? *

Have you had any insurance declined or cancelled, proposal rejected, renewal refused, claim rejected, special conditions or special excess imposed by an insurer? *

Have you ever been convicted of a criminal offence? *

Market Stall Details

Location of markets where stall / booth is to be situated.

Business Market Location


State *


Is your booth/stall to be located:

Size of area to be occupied:

Estimated total number of market days to be attended per annum

Estimated Gross Sales / Income (before any expenses for stall, stock etc deducted per annum) *

Please provide full description of goods sold or displayed: *

Are any products IMPORTED by you / your business? *

If yes, state

Type of Goods

Country of origin

Approx value

Type of Goods

Country of origin

Approx value

Type of Goods

Country of origin

Approx value

Are any products EXPORTED by you / your business? *

If yes, state

Type of Goods

Country of origin

Approx value

Type of Goods

Country of origin

Approx value

Type of Goods

Country of origin

Approx value

Do you do any Web Sales? *

If yes state what percentage of your business is this?

Do you do any Wholesaling? *

If yes state what percentage of your business is this?

Do you do any Non Market Retailing? *

If yes state what percentage of your business is this?

Are any of the stalls you are setting up going to be inside of a shopping mall? *
If yes, state -

How many markets will you be attending per year?

How many Shopping centre days will you be attending?

Select your Public and Products Liability Option * -

The insurer will pay:
  • all sums which You become legally liability to pay by way of compensation;
  • all costs awarded against You in respect of Personal Injury or Property Damage happening during the Period of Insurance and caused by an Occurrence within the Territorial Limits in connection with Your Business as an occupier of a stall and/or booth and/or similar space at a market and/or similar gathering where such booth, stall and/or similar space is rented or hired by you.
Contractual Liability:

This policy does not cover liability in respect of Contractual liability: Any obligation assumed by You under any agreement or contract except to the extent that:

  1. the liability would have been implied by law;
  2. the liability arises from a provision in a contract for lease or real or personal property other than a provision which obliges You to effect insurance or provide indemnity in respect of the subject matter of that contract;
  3. the liability is assumed by You under a warranty of fitness or quality as regards to Your Products;
  4. the obligation is assumed under those agreement specified in the Schedule.
Duty of Disclosure

In order to make an informed assessment of the risk and calculate the appropriate premium, your insurer needs information about the risk you are asking it to insure.

For this reason, before you enter into a contract of insurance, you have a duty under the Insurance Contracts Act 1984 to disclose to your insurer every matter that you know, or could reasonably be expected to know, is relevant to the insurer’s decision whether to accept the risk and, if so, on what terms. The duty also applies when you renew, extend, vary or reinstate a contract of insurance.

You do not have to disclose anything that:

  • Reduces the risk to be undertaken by the insurer;
  • Is common knowledge;
  • Your insurer knows, or in the ordinary course of its business, ought to know; or
  • If the insurer has waived your obligation to disclose.

If you do not comply with your duty of disclosure, your insurer may be entitled to reduce its liability in respect of a claim or may cancel your contract of insurance. If the non-disclosure was fraudulent, the insurer may be able to avoid (or cancel) the contract of insurance from its beginning. This would have the effect that you were never insured.

One important matter to be disclosed is the history of losses suffered by the person seeking insurance or any closely associated person or entity. As you are responsible for checking that you have made complete disclosure, we suggest that you keep an up to date record of all such losses and claims.

I have read the Duty of Disclosure above. *

© Copyright - 2014 City Rural Insurance Brokers Pty Ltd.