Insurance 2026/27 – Option 1 with £5M cover
£32.50
You must be a UK adult member (18+) of the BSG to take out this insurance cover. By purchasing, you confirm you are a UK adult member (18+) and have read the full policy details noted below.
Sugarcrafters Insurance giving Public & Products Liability cover ONLY from 1st May 2026 to 30th April 2027 at £5 million.
You must be a UK adult member (18+) of the BSG to take out this insurance cover. By purchasing, you confirm you are a UK adult member (18+) and have read the full policy details noted below.
Sugarcrafters Insurance from 1st May 2026 to 30th April 2027 - Option 1 - £5 million cover
This is our option 1 sugarcraft insurance giving Public & Products Liability cover ONLY from 1st May 2026 to 30th April 2027 at £5 million level at a cost of £32.50 inclusive of non-refundable £7.50 BSG admin fee on cancelation of insurance.
SUGARCRAFT INSURANCE DETAILS
Commencement of cover is 1st May 2026, and the policy expires in all cases on 30th April 2027.
By purchasing this insurance product, you are declaring that to the best of your knowledge and belief that all the statements in the Statement of Facts (see below) are true and complete.
Arranged by ADS Insurance Brokers Ltd and underwritten by Ansvar Insurance, this preferential insurance scheme for BSG members is aimed specifically at hobby cake-makers and people who run a small sugarcraft business from home and sell their cakes via recommendation, advertising and at craft and wedding fayres.
It is noted that no member will be insured whose annual turnover from sugarcraft activities exceeds £12,000.
• Public & Products Liability
This covers your legal liability to third parties (members of the public, individuals or organisations) for accidental injury to persons or damage to property arising out of your sugarcraft or cake making activities, including tuition (up to 10 students attending). Also insured is Products Liability which covers your legal liability to third parties arising out of products supplied and includes food poisoning. The standard limit of liability is £5m for both public & products liability. The premium as detailed above includes insurance premium tax at the prevailing rate and administration charges.
There are also options to add 'All Risks Cover to your Cakes/ Equipment' and 'Money Cover'. You do have the option of adding these covers at any time during the period of the insurance, but please note that the full premium is payable at the time of the upgrade. You can see all insurance cover options here.
Important Notice to Policyholders
As a result of the Consumer Insurance (Disclosure and Representation) Act 2012, you must now inform us immediately of anything which is incorrect, incomplete or omitted from the information originally provided by you and contained in the Statement of Facts, or any changes in your circumstances which may increase the possibility of loss, damage or liability covered by this policy.
A printed copy of the Statement of Fact and the change to the risk condition can be obtained by contacting: Colin James. ADS Insurance Brokers Limited Tel: 01992 636324 E Mail: cjames@adsinsurance.co.uk
Master Policy, Territorial Exclusion (Property), Excluded Activities