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PPL Policy Summary


Guild of Jewellery Designers (incl. British Pearl Association & Odissa)

Public Liability Insurance Policy Summary


This is a summary of cover only. Please refer to the policy wording for full details of the policy cover, exclusions, terms and conditions.


This insurance is underwritten by insurers Argo Global SE. and Covéa Insurance plc.


All eligible members of the Guild of Jewellery Designers &/or the British Pearl Association &/or the Odissa Handmade marketplace who have paid the appropriate membership fee and comply with the eligibility criteria below will automatically be covered by this policy.

Eligibility Criteria:

  1. The member is a fully paid up Gold Plus or, Gold

    Extra of the Guild of Jewellery Designers or a Platinum or Pearl member of the British Pearl Association or a Odissa Seller Plus member of 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 market stall or similar

    type arrangement.


This policy meets the demands and needs of individuals involved in the design and making of jewellery and other craftwork (other than the excluded trades) and also the teaching of craft making skills and requiring insurance against their legal liabilities to pay compensation arising out of injury to third parties and damage to third party property.


This policy does not cover the production of, sale of or involvement with any of the following:

  •   Clothing or footwear

  •   Food or food related products (other than

    incidental provision of food & drink)

  •   Adult (Erotic) Products

  •   Brewing / Alcohol Production

  •   Face painting, henna, temporary or permanent

    tattoos or body art

  •   Holistic, Herbal or Homeopathic Products,

    Healing or Remedies

  •   Medicinal or Pharmaceutical Products


    This policy is issued for an annual period commencing 14/02/2019 and shall be renewed annually thereafter. The policy covers incidents occurring during this period of insurance.


This policy is only operative while you are undertaking the designing, making, exhibition or sale of jewellery and other craftworks or the teaching of craft making skills.


You will be insured within the United Kingdom, the Channel Islands or the Isle of Man and while temporarily engaged in Business outside these territories.


This policy will provide you with Public and Products Liability Insurance.


This policy provides cover in respect of legal liability for damages including claimant legal costs for;

  •   Accidental Injury to any person

  •   Accidental loss or damage to third party


    happening during the period of insurance in connection with the Business.

    The limit of indemnity provided is £5,000,000 any one claim (any one period in respect of Products liability)


    You will be responsible for paying the first £250 of any claim for damage to third-party property. You will also be responsible for the first £2,500 of any claim brought in the USA or Canada.


    Cross Liabilities (Member to Member Liability)

    The policy extends to cover claims made between individual members, subject to the terms, conditions and exclusions of the policy.

    Indemnity to Principals and Others

    The policy will also provide an indemnity to any:

  •   Contract Principal

  •   Personal Representatives

    providing that the claim would have been covered had it been made directly against the GOJD member.

    Compensation for Court Attendance

    This policy will pay an insured member £250 for each day they are required to attend court as a witness at the request of the Underwriters.

    Defence Costs

    The policy will also cover Legal Defence Costs arising:

 from any prosecution of the member as a result of breach of the Health & Safety at Work Act 1974 or Part II of the Consumer Protection Act 1987 or Part II of the Food Safety Act 1990 or any legislation of similar effect.


 out of the defence of any proceedings in a Court of Summary Jurisdiction in respect of matters which may form the subject of indemnity under this policy.


This policy does not cover

  1. 1  Bodily Injury to any Person Employed

  2. 2  Any process involving the application of

    heat unless the Heat Application Conditions

    have been complied with

  3. 3  Risks that require more specific insurance i.e.

    Use of Motor Vehicles, Watercrafts, Aircrafts


  4. 4  Damage to Property in the custody or

    control of the Member

  5. 5  Liability for breach of professional duty or

    inadequate advice

  6. 6  i) asbestos

ii) pollution or contamination of any kind
in respect of any claim brought that is subject to the jurisdiction of a court in the USA or Canada


English Law will be applicable to the contract of insurance between us, unless otherwise stated in your Policy's terms and conditions.

The language used in this Policy and any communication relating to it will be English.


In the unfortunate event that you need to make a claim, please contact Hencilla Canworth as soon as possible. Contact details are listed below. Please note that late notification can lead to claims being repudiated.


ArgoGlobal and Covéa Insurance plc are members of the Financial Services Compensation Scheme (FSCS).

You may be entitled to compensation from the scheme if they are unable to meet it’s obligations to you under this contract. If you are entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract.

Further information is available from

Financial Services Compensation Scheme 10th Floor
Beaufort House
15 St Botolph Street

London EC3A 7QU

Tel: 0800 678 1100 Web: www.fscs.org.uk


Hencilla Canworth Limited are authorised and regulated by the Financial Conduct Authority.

Argo Direct Limited is authorised and regulated by the Financial Conduct Authority. ArgoGlobal SE is authorised by the Malta Financial Services Authority to carry on General Insurance Business under the Insurance Business Act, 1998. All other consortium insurers are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

The Financial Conduct Authority website, which includes a register of all regulated firms can be visited at www.fca.org.uk or the FCA can be contacted on 0800 111 6768.


It is always the intention to provide a first class standard of service. However it is appreciated that occasionally things go wrong. In some cases we will be able to resolve any concerns and you should contact us directly.

Alternatively if you need to complain please contact the Pen Underwriting Limited Complaints Officer quoting your policy or claim number.

Pen Underwriting Limited Complaints Officer
3 Atlantic Quay, 20 York Street, Glasgow, G2 8JH Telephone: 0141 285 3539
Email: pencomplaints@penunderwriting.com

Your complaint will be acknowledged within 5 business days of receipt. If the complaint is not resolved within 4 weeks of receipt Pen Underwriting will write to You and let You know what further action will be taken. A final response letter will be issued within 8 weeks of receipt. Upon receipt of the letter if You remain dissatisfied You may refer Your complaint to the Financial Ombudsman Service.

The FOS is an independent body that arbitrates on complaints.

The FOS can be contacted at the following address:

The Financial Ombudsman Service
Exchange Tower, London E14 9SR
Telephone: 0800 0234567 (for landline users); Telephone: 0300 1239123 (for mobile users) Email: complaint.info@financial-ombudsman.org.uk Website: www.financial-ombudsman.org.uk

You have six months from the date of the final response from Your Insurer to refer your complaint(s) to the FOS. This does not affect your right to take legal action, however, the FOS will not adjudicate on any case where litigation has commenced.


If you require any further information or wish to request a copy of the full policy wording – Please contact

Hencilla Canworth Limited Simpson House
6 Cherry Orchard Road Croydon

Surrey CR9 6AZ

Odissa - The Blog


PPL Cover for Arts and Crafts

posted by admin at 10/09/2019
We are pleased to announce that a new subscription is available to sellers of jewellery and other craftworks that includes £5M Products and Public Liability insurance cover. Cover includes sales to the USA and Canada, the use of heat on third party premises, exhibiting at craft fairs and exhibitions and teaching ...

Odissa is Evolving!

posted by admin at 08/20/2019
We are pleased to announce that the Guild of Jewellery Designers selling platform, Odissa, is now open to designer/makers of all arts and crafts. We aim to hold on to our ethos of maintaining a handcrafted products platform and hope to create a vibrant and interesting place for visitors to shop so, if you make handcrafted products, feel free to join us on the adventure! :-)


posted by admin at 07/04/2019
Does your Sterling Silver tarnish?   Summer months can be a nightmare for lovers of Silver, when, for no obvious reason, your Silver jewellery doesn't look as lustrous as it should. Here we explore some reasons why this happens.   First of all what causes the discolouration?   Silver turns black when kept in the air because it reacts with sulphur compounds such as hydrogen sulphide (H2S) present in air ...
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