"I design and retail jewellery but I don't have time to trawl through your website trying to understand what it's all about!"

 No problem! Click 'Send me the info!' to receive a short series of emails that explain all that we do and how you can become part of our community. Network with like minded jewellery designer/makers, product and services suppliers and retailers.

 

Explore the opportunities we offer to help save you money, sell your products and protect you and your business with PPL insurance through Guild Gold membership starting at less than 22p/day!

 

PPL from £7.50/month

or £80/year

Mid Level Gold Plus (inc PPL insurance)

Discounts, networking, newsletters,

authentication Gold insurance badge,

Premium Designer Directory listing,

PPL insurance (inc USA and Canada)

Top Level Gold Extra member subscriptions include:

  • Newsletters
  • Premium Plus Designer Directory Listing
  • Facebook Community Groups
  • Display the enhanced GoJD 'PPL insurance cover from….' trust authentication badge on your website
  • Supplier Partner Discounts
  • PPL Insurance (inc USA and Canada)
  • Price locked for the life of your subscription on auto renewal
  • Product listing in the GoJD marketplace, Odissa

Check here for features and prices of all subscriptions to suit your requirement

 

How do we support our members?

 
The Guild of Jewellery Designers is a UK jewellery organisation consisting of a collaboration of British jewellery designers and artisans ranging from part time enthusiasts to dedicated full time professionals.

We are a nationwide guild for jewellery makers, retailers and silversmiths offering PPL insurance, supplier partner discount on tools, products and services and practical help or advice to our members. We're also actively forging links within the jewellery industry, enabling us to offer the best opportunities to GoJD members.

*** Choosing the right GoJD subscription ***

Gold Members - Click here to visit our new Supplier Partner Directory to check on discounts offered

 

 

 

Silver

£0Free Silver life membership
  • Newsletter
  • Free Basic Designer Directory Listing
  • Facebook Community Groups
  • Display the GoJD Silver logo on your website
  • Supplier Partner Discounts NOT included
  • PPL insurance NOT included
  • Free For Life
  • Odissa listings NOT included
  • Affiliate Programme

Standard Gold

£49/Year or £5 monthly
  • Newsletter
  • Premium Designer Directory Listing
  • Facebook Community Groups
  • Display the GoJD Standard Gold logo on your website
  • Supplier Partner Discounts
  • PPL insurance NOT included
  • Price locked for the life of your subscription on auto renewal
  • Odissa listings NOT included
  • Affiliate Programme

Gold Extra

£198/year or £19 monthly
  • Newsletter
  • Premium Plus Designer Directory Listing
  • Facebook Community Groups
  • Display the enhanced GoJD 'PPL insurance cover provided by….' trust authentication badge on your website
  • Supplier Partner Discounts
  • PPL Insurance (inc USA and Canada)
  • Price locked for the life of your subscription on auto renewal
  • Odissa listings included
  • Affiliate Programme

 

(PPL) Products and public liability insurance is an insurance policy which covers a business following a claim for financial compensation. This can result from a customer, member of the public, even a passer-by making a claim if they are injured or their property or possessions are damaged as a result of your business activities.

Do I need it?

Currently, products and public liability insurance is not a compulsory legal requirement. However, it can be observed as an essential requirement to protect your business from unnecessary financial loss. 


Products and public liability claims against businesses are increasing year on year. Free access to 'no win, no fee' legal services have increased the chance of your business experiencing a PPL insurance claim, which then begs the question, why take the chance?

Situations where PPL insurance may be beneficial are: selling online, selling or teaching face to face and selling at craft fairs/events or parties. Please check that your insurer covers you for all countries that you wish to sell to, especially USA and Canada.

If you work from home you will need to inform your current house buildings insurer as there may be clauses in your policy excluding jewellery making or the use of heat on the premises.

 

How does PPL benefit me?

PPL Insurance covers your business from potential financial loss occurring from a claim for financial compensation. Even if a claim for financial compensation is not successful, the legal fees alone are often financially damaging to a business.


How does PPL benefit the public?

Here common sense prevails, using a business which has PPL cover reassures the consumer that the company being used can meet the cost of a claim along with legal expenses. Many companies and exhibition organisers will insist on their suppliers and exhibitors having public liability insurance cover in place.


What are the chances?

As with any day to day activities, despite anyones best intentions, accidents happen and there is always the possibility of your product causing damage or injury. PPL insurance covers the cost of correcting any damage to, or replacing broken property, loss of earnings, medical fees for injuries to your client and the claimants legal expenses.


A simple example of claims could include a member of the public claiming against your business should they trip up and cause injury or damage on your property and, looking closer to home, an item of jewellery causing damage to clothing or causing physical harm. The scope for claims is astronomical.


How do I purchase PPL Insurance?

A quick Google search will show results for a number of companies offering PPL insurance both at hobbyist or professional level but not all policies will cover your particular niche market, for example, some policies may cover crafts but exclude jewellery making, so it's wise to read the full particulars of a policy to determine if it meets your requirements. No craft business is exactly the same so the cost of insurance will vary as there are many different options and you need to choose what is right for your individual creative business. Another port of call could be your current insurance broker but specialist insurers could prove to be more cost effective, especially if offered as part of membership through a jewellery organisation.

Don't assume you will be safe without product and public liability insurance when running a small business. Something as simple as coffee spilt over a client, could cost you thousands if you're uninsured. Having PPL insurance leaves you with the peace of mind that, if such a claim arose, your business remains financially secure.

 

How much PPL insuance cover do I need?

It's up to you to decide how much cover you need dependant on the type of work you do and the possible scale of a claim against you if something goes wrong. At a minimum, £2 million would be a starting point but £5 million would be a good level of cover to have.

 

Summary

Public liability insurance for jewellery and craft makers covers the cost of claims made by members of the public for incidents that occur in connection with your jewellery or craft business activities. Public liability insurance covers the cost of compensation for: personal injuries, loss of or damage to property.

Product liability insurance for jewellery and craft makers protects against claims of personal injury or property damage caused by products sold or supplied through your business. It is designed to help protect your business by ensuring that if this happens, legal or court costs are covered.

Ultimately, it’s up to you to decide whether your business needs public liability insurance, although it’s worth thinking about whether you could afford to meet the cost of a compensation claim if your business was sued and you didn’t have cover.

 

 

Join the Guild of Jewellery Designers 

Further reading from the official government website, www.gov.uk:

If your business supplies products to consumers, you need to make sure the products are safe.

The heaviest responsibility falls on producers, eg the manufacturer of a product. But distributors - such as shops and wholesalers - also have legal responsibilities.

Failing to meet your responsibilities can have serious consequences. You could face legal action with possible fines or even imprisonment. You could also be sued by anyone who has been injured or has suffered damage to personal property as a result of using your product.

This guide outlines the basics of product liability and product safety law. It will help you understand how you are affected and what action you need to take.

Read more >>>

www.gov.uk

Author: Toni Hardwick

Directory

Directory

Search the GoJD Directory to find a designer and commission your custom made bespoke jewellery

Protect Yourself with PPL Insurance

Protect Yourself with PPL Insurance

Peace of mind for yourself and your products from £7.50/month

Discounts

Discounts

Discounts on products and services for all Gold members levels - check out the Supplier Partner directory

Odissa

Odissa

Buy direct from over 60 designer/makers on the GoJD handmade jewellery selling platform

Wholesale

Wholesale

Connecting Jewellery Designer/Makers with retailers

44 Hockley Street

Hockley

Birmingham

B18 6BH

Tel: +44 (0)121 507 0994

Company number 07258309

Ask a question
1000 characters left