My journals that is!
It has been a very stressful few weeks for me – well to be honest more like frustrating! I have been spending a lot of time preparing accounts for my Tax Return (don’t we all just love that) and trying to secure Liability Insurance for my very small business. The issue I seemed to have, as a UK seller on Etsy, is that most of my physical sales were to the USA and Canada. There is no risk at all with digital items of course, so no problems there.
If you have any concerns about insurance, I would certainly recommend a bit of Google research and contacting a broker if you are really interested. Weigh up your own circumstances though, as this is not something everyone needs for sure.
Many insurers require at least 50% of your business to be in the UK. Junk Journals are obviously known here but to be honest, very few people here purchase them (from me anyways). I have around 10% of my journals stay in the UK, around 80% go to the USA and the rest, well, they could go anywhere else!
Side note: It is wonderful to think that the work I create goes all over the world and my journals are certainly more travelled than I am. I am so very grateful for the wonderful support I have.
With any insurance, the more people that take it up, the cheaper the premiums will become and I did start to wonder how other people have managed to get the cover that they may require, or if indeed they have cover at all. I received one ‘NO’ after another and it was no easy task; it certainly has not been cheap either. My mind is now at rest as I now have suitable insurance to sell my journals wherever they may go.
It is a personal decision I have made and I am not saying everyone should run along to their broker to get insurance but once I have a worry in my head … very little can be done to shift it. This was my personal choice and I am very much looking forward to getting back to making and selling my journals worry-free.
Thank you for reading, and my intension really is not to worry anyone, just to let you know why I have not been making journals – it was simply my own personal dilemma.