Not everyone needs a full 12-month policy. For a single event, a market stall, or occasional freelance work, short-term public liability cover is often a better fit than an annual policy.
One-off and short-term public liability insurance covers a single event or a defined short period, rather than a full year, useful for market traders, one-off events, craft fairs, or anyone doing occasional work rather than running a continuous trading business.
Worth checking before assuming it's cheaper: If you are trading regularly, even occasionally throughout the year, several short-term policies can end up costing more in total than a single annual policy. Short-term cover suits genuinely one-off or rare activity, not a recurring pattern.
Confirm the exact cover dates match your event or work period precisely, and check whether the policy meets any specific requirement set by a venue or event organiser, some require a minimum cover level or a specific certificate format before allowing you to trade.
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See My Cover Options →Availability of short-term cover varies by insurer. Always confirm exact cover dates and any venue-specific requirements before an event.