Why do candle makers need insurance?
Candle makers could be held responsible for a fire, an allergic reaction to a scented candle, or other harm. Business insurance provides peace of mind with coverage for legal fees, medical bills, costly repairs, and auto accidents, so you can focus on your handcrafted products.
Find the right coverage
Insureon helps you find the right candle maker insurance for your unique risks.
Get free quotes from top-rated insurance providers and advice from a licensed agent. Fill out our easy online application to get started.
What types of insurance do I need for candle making?
General liability insurance
A general liability policy covers third-party personal injuries and property risks, such as an Etsy customer who falls ill because of a sensitivity to an essential oil in a candle, or an antique table that's damaged when wax melts on it.
- Customer injuries
- Damaged customer property
- Product liability insurance
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together.
- Customer bodily injuries
- Damaged or destroyed inventory
- Business interruption insurance
Workers’ compensation insurance
Most states require workers' comp for candle making businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
This policy covers financial losses related to data breaches and cyberattacks. It's recommended for any candle company that handles credit cards, customer addresses, or other personal information.
- Customer notification expenses
- Fraud monitoring services
- Cyber extortion demands
Commercial umbrella insurance
This type of insurance boosts coverage on your candle business's general liability, employer’s liability, and commercial auto insurance once the policy limit is reached.
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers the cost of an accident while driving your candles to a craft fair or farmers’ market. Most states require this insurance coverage for vehicles owned by a business.
- Delivery van accidents
- Vehicle theft and vandalism
- Vehicle weather damage
How much does insurance cost for manufacturers?
The owner of a small candle making business can expect to pay less for insurance than a larger business.
Factors that affect manufacturer insurance costs include:
- Types of products you sell
- Business property and equipment
- Business income
- Location
- Types of coverage purchased
- Policy limits and deductibles
How do I get candle making insurance?
It's easy to get candle making insurance if you have your company information on hand. Our insurance application will ask for basic facts about your candle business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to fulfill your shop's insurance needs – from product liability insurance to workers' compensation, whether you work independently or hire employees. You can get insurance quotes today and a certificate of insurance as soon as you buy a policy.
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