Tuesday, 15 October 2013

Dreaded Insurance

As yet I haven't been selling at craft fairs or similar events, although it is something I want to do. There are all sorts of benefits to a good craft fair. Aside from the obvious financial benefit if you get a good number of sales, they tend to be pretty good for networking when you're just starting out - other crafters are often happy to chat and tell you about other local fairs or events. Frankly it's often also nice just to be out the house and away from your work space. It's a chance to see how people respond to your work, potentially get a commission or two, or make some contacts among the other traders.

There is a rather important check box to tick before you pack up the car with stock and display kit and truck off to your first fair though. Admittedly not all fairs will check, but often enough when registering for an event you'll be asked if you have public & product liability insurance. This is basically cover for if, say, something heavy falls off your stall onto someones foot, or maybe they pick up a piece of your work and manage to hurt themselves with it (Earring to the eye? Who knows.) It's the kind of thing I can't really ever imagine needing to make a claim for... and yet not having it is surely just asking for trouble. Also some fairs really won't accept you if you don't have it.

Thus today I spent some time putting my details into a comparison site for small businesses looking for insurance. I started off thinking 'lets get a rough idea of how much this is gonna hurt...' so when it asked for a 'primary business/trade' I went through the drop down menu and found 'jewellers design', which I figured at least mostly covered half of what I do.

For the time being I ignored the 'secondary business/trade' option, and just trundled through the rest of the quoting process. I ended up with a fairly non-scary quote of £60 odd as an annual fee, so I decided to have a quick look through the policy summary and see if there were any surprises.

I got to the bit about 'misrepresentation' and thought 'ah, yes'. I had only put in 'jewellers design' - which technically doesn't mention the manufacturing side of things, and certainly doesn't cover the time I spend making bags and custom LARP kit out of leather. If I'm going to pay for cover, there's no point shooting myself in the foot by failing to at least try and properly describe what I do.

So, hit the 'change my answers' button, and go back to that early 'secondary business/trade' drop down menu. Check under the 'Entertainment, leisure and arts' category which is where the 'jewellers design' bit was, and see nothing about leather working, so back up and just select the 'all trades' list.

This list was fairly extensive looking and alphabetical, so scroll down to 'l' and look for 'leather worker' or something similar. Nope, not there. Ok... well fine, I'm feeling patient, I'll read through the list and see if I can find something that covers it. Maybe 'craftsperson' or 'artisan' or something.

Some entries I find amusing - 'bouncy castle hirer', for instance, makes me smile. Also a little amused to see 'calligraphist', thinking that must surely be quite a niche occupation. I also found:
Dog walker
Dry stone walling
Falconer
Feng Shui Consultant
Fortune teller
Gymnasia (...I realise they must mean to be involved in the management of more than one gymnasium, but I was feeling mildly exasperated at this point and most entries read as an occupation, not a field within which you are occupied, if you see what I mean? Made me do a bit of a double take, anyway)
Shoe polisher
Taxidermist
Wheelie bin cleaner

I can't help but feel a bit miffed. They have several things I would have thought of as being quite obscure or niche - like calligraphist and falconer for instance. Also things that I would probably classify as being quite old, in terms of jobs that have been around a long time - again, calligraphist surely? Not to mention shoe polisher. People who work with leather though? No, no, they don't exist. That doesn't happen. When I didn't find 'leather worker', I thought 'oh ok, I guess that would be too easy...maybe they have 'saddler' or something, because people still do that' - in fact I've met a lady who is a saddler, so it seemed sort of feasible, as well as being suitably not quite what I want, which always seems to be how these things work.

But no. I think 'taxidermist' was probably the closest thing. I suppose I could have selected 'fashion design'... but really, I don't see myself that way. I'm not trying to design a range of luxury handbags with which to conquer next season's fashion world. I'm pretty much focusing on the custom stuff for live action role players - odd bits of armour, scruffy looking bags, scrolls cases, that sort of thing.

Annoyingly, upon resorting to the 'other trades' option, and then being asked to provide a brief description of my trade, I ended up with no quotes at all. So if I'm vague and inaccurate about my work, fine. Try to be accurate...nope, no insurance for you today!

*sigh* I suppose I shall have to start trawling through individual insurance providers, or settle for emailing the comparison site guys and asking for advice. Maybe I shall write them an irritated email requesting that they add my profession to their list...harrumph!

At the end of the day, I'm in no desperate rush and have being making progress on another task which I will mention another day, so nevermind. Also I am glad I am not a 'wheelie bin cleaner', which must surely be a somewhat thankless and soul-draining job. Kinda wish I was a 'falconer' though.

Tara for now
Rebecca

(...I wrote a massive post again... -.- )

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