Shop or not? Am I covered?

Member enquiry:

"I’m looking into the possibility of renting premises for a small workshop and room to sell my jewellery from. I was wondering if you could inform me as to whether or not your GoJD Gold Plus PPL insurance package would be suitable in the event of me going ahead and possibly taking small classes in jewellery making ie 2-6 max."

The two rooms in this situation are in a 'converted for business' house, at the back with no frontage window. The member was intending to work in one and have a little showroom in the other - the setup isn't visible to passing footfall."

Answer from the Underwriters:

“I would agree that this falls within the parameters of the policy, as it is not what we would describe as a full retail unit and is purely a studio with a little bit extra going on.

On that basis we could confirm cover in this instance.

**Recent policy wording amendment regarding eligibility and the criteria concerning a retail shop outlet**

Eligibility Criteria

It is hereby noted and agreed that only members that comply with the following criteria are eligible for cover under this policy:

1. The member is a fully paid up Eligible Member of the Guild of Jewellery Designers and/or the British Pearl Association and/or the 'Odissa Handmade' marketplace

2. The member does not trade as a Limited Company, Limited Liability Partnership, Community Interest Company or any similar incorporated entity

3. The member does not have any employees on a full-time or part-time basis or engages any freelance workers on a labour only basis

4. The member is domiciled in the United Kingdom

5. The member does NOT trade out of a permanent retail premises other than:

a. retail premises attached to Your workshop where the design and manufacture of jewellery is your main activity 

b. a market stall or similar type arrangement