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Why do candle shops need insurance?
If candle wax melts and stains a vintage table, a customer could blame your shop. Candle sellers can safeguard their livelihood with affordable business insurance. Insurance gives you peace of mind and financial protection against lawsuits, damaged inventory, data breaches, and other incidents.
Find affordable coverage
With Insureon, candle shop owners can get free quotes from top-rated insurance companies.
A licensed insurance agent will review your quotes and help you find affordable policies that match your risks. Fill out our easy online application to get started.
What types of business insurance do candle sellers need?
These insurance policies cover common risks related to candle sales.
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 for their candle shop.
BEST FOR
- Customer bodily injuries
- Damage to candles or other inventory
- Business interruption insurance
General liability insurance
A general liability policy covers financial losses from customer lawsuits, such as an allergic reaction to an essential oil in a candle, or a fire started by your product.
BEST FOR
- Customer injuries
- Damaged customer property
- Product liability insurance
Workers’ compensation insurance
Most states require workers' comp for candle companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical bills
- Disability benefits
- Legal fees from employee injuries
Cyber insurance
This policy helps candle stores survive data breaches and cyberattacks. It's recommended for any shop that handles addresses, credit card numbers, or other personal information.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
Commercial umbrella insurance
Commercial umbrella insurance boosts coverage on your candle shop's general liability, employer’s liability, and commercial auto insurance once the policy limit is reached.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers the cost of accidents involving a candle store's truck or other vehicle. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Delivery van accidents
- Vehicle theft and vandalism
- Vehicle weather damage
Looking for different coverage? See more policies.
How much does candle business insurance cost?
A small candle store will pay less for insurance coverage than a larger business.
Factors that affect premiums include:
- Types of products offered
- Business property and equipment
- Candle sales revenue
- Types of insurance purchased
- Event appearances, such as craft fairs or farmers' markets
- Policy limits and deductibles
How do I get candle seller insurance?
It's easy to get candle business insurance if you have your company information on hand. Our insurance application will ask for basic facts about your candle store, 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.
Note that candle makers or candle manufacturing businesses may need additional coverage.
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