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Market stall insurance
Public and product liability for market stallholders, at the limit your market or council asks for. Stallholders can compare online. Event organisers and one-off event cover are arranged through a licensed broker.
- Stallholders compare online
- Event cover through a licensed broker
What insurance does a market stall need?
Most markets require stallholders to hold public liability, often with a set limit and the organiser noted on the policy. If you sell food or goods, products liability matters too. Councils that issue street trading and food vendor permits commonly ask for $20 million.
Council permit limits for stallholders and vendors
| Council | Requirement |
|---|---|
| City of Melbourne | $20 million for street trading permits, including food vans. |
| City of Adelaide | $20 million for mobile food vendors, with the City noted. |
| City of Darwin | $20 million for street food permits, with the City noted. |
| Private markets | The organiser sets the limit. Check your stallholder agreement. |
The covers stallholders usually hold
| Cover | Why |
|---|---|
| Public liability | A customer trips over your stall or is injured by your gazebo in the wind. |
| Products liability | Food or goods you sell cause injury or illness. |
| Equipment and stock | Your gazebo, display and stock, in transit and at the market. |
Running a market or event?
Event organisers, and one-off events needing cancellation cover, are arranged through a licensed broker. Tell us what you’re running and a broker takes it from there.
How to compare stallholder insurance
Market stall insurance questions
Do market stallholders need public liability?
Most markets require it, and council street trading and food vendor permits commonly set a $20 million minimum.
How much public liability does a market stall need?
Whatever your market or permit requires. City of Melbourne, City of Adelaide and City of Darwin permits ask for $20 million.
Can I insure for one market day?
Ask about it. Options vary by insurer, so tell us how often you trade.
Does it cover the food I sell?
When products liability is included, it can cover illness or injury caused by goods you sell. Check the PDS.
Are event organisers covered online?
Event organisers and one-off event cover are arranged through a licensed broker.
Do I need an ABN to run a market stall?
If you’re running a business rather than a hobby, you’re entitled to an ABN and most market organisers ask for one on the application. business.gov.au’s guide to setting up a market stall covers registration, and it notes that many organisers require you to insure your stall, often for both public liability and product liability.
Should I use the market’s group insurance or my own policy?
Some markets include a group policy in the stall fee. Check what it covers: it usually applies only at that market, and it may carry a larger excess or exclude setting up and packing down. Your own annual policy covers every market you attend and the stock in your car.
What is the cheapest insurance for a market stall?
For an occasional stall, a single-day or short-term policy usually costs less. If you trade most weeks, an annual policy is cheaper per market. There are no prices on this page; the quote form compares our insurer panel for what you sell.
Keep reading
More cover to compare online
Sources
Market stalls