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Do you need public liability insurance for a craft circle?

Updated: 8/17/2019
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14y ago

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While it probably depends upon whether the members are actively running with their scissors, in reality, this is not an activity that would traditionally require insuring.

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Q: Do you need public liability insurance for a craft circle?
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Do you need liability insurance to participate in a craft show put on by a church and they already have liability insurance and are providing the tables and chairs?

The organization (in this case a church) that hosts a craft show, or similar event that has a general liability policy covers only that organization in the event of a liability claim. If an incident occurs where the particiapant (person using the table and chairs provided) is partly or wholly responsible for someone elses injury, the injured party may sue the organization (in this case the church) and you as an individual. The churches policy covers the church, but not you. Lets say there is a judgment of $100,000 and it is determined that you are half responsible and the church is half responsible. Lets also say the church has $1,000,000 limit of liability coverage. The injured party is going to look to the church for $50,000 and then to you for $50,000. The fact that the church's policy limits are more than enough to cover the whole claim is not relevent. Yes, you need your own liability insurance


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