Just because you participate in a Market does not necessarily make you a Market Stall holder for Insurance purposes.


If you do markets only then you may be deemed a Market Stall Holder but you should always ask your Insurer.


If you are deemed a market stall holder and you generate a sale from the markets that results in a home pick then this is a Market Stall Policy and our Annual Plus cover will extend to cover the home sales and online sales component. 


If you generate sales completely separate to the markets and majority is online or from home and you do deliveries, stock product in shops etc then you need a policy that covers your actual business activities as a whole. Sometimes a broader cover allows you to do markets with no additional policy needed.


eg. Bec makes handmade clothes and does this all from home. She has a big following on Facebook and generates the majority of her business from Facebook and word of mouth. Customers come to her home and she also delivers within the local area. She may do 2 markets a year to advertise her products - This is not a Market Stall Holder, this is a clothing manufacturer.


eg. Haylee sources clothing made locally in Australia and retails online but sometimes may go to a market. This is a Clothing Retailer 


eg. Neil sources local handmade clothing and also makes a few items himself and attends markets every Saturday and Sunday. This is a Market Stall Policy.


eg. Reza sources local handmade clothing and also makes a few items himself and attends markets every Saturday and Sunday. Some items are custom orders and require pickup from his home. He then also gets a referral from a customer through Facebook which generates a sale. This is a Market Stall Holder with the Annual Plus extension.