INSURANCE FOR CANDLE & SOAPMAKERS
This page is Copyright © 2003 Doneen St.John - The Candle Cauldron™
Finding insurance for your candle business can be very difficult!  Unfortunately many insurance companies do not want to cover the candlemaking industry as it's a higher risk for them.  In fact many candlemakers who have tried to add their business as a rider on their homeowner's policy have ended up being dropped by their agency once they discover they are making candles in their home... so when you shop for insurance, keep that in mind!  It can be difficult to find insurance for body products too for the same reason... high risk.
 
The following companies have been found to offer commercial or business insurance to candlemakers.  Many of them may also be willing to cover bath & body products too, but be sure to ask them and make sure!  This list is provided for your use, and you will need to contact them and verify what they offer and get the details for yourself.
These listings have been submitted by other candle & soapmakers and collected from the message boards.  Thanks to everyone who shared their info and helped build this database!  This list is not yet complete, it is an ongoing project for me, and I will continue to add any more companies that I find.  If you know of any that I do not have listed here, please send them in and I will add them!
STATE AGENCY AGENCY AGENCY
AK      
AL www.auto-owners.com    
AR www.graindealers.com    
AZ www.graindealers.com www.auto-owners.com  
CA      
CO www.auto-owners.com    
CT      
DE      
FL Jackie Hays - Hays Insurance Agency
(Allstate Agent)  507 E. Brazos Ave. 
West Columbia, TX. 77486                
Phone: (979) 345-2271
www.auto-owners.com  
GA www.auto-owners.com    
HI      
IA www.auto-owners.com www.1stinsurance.com  
ID      
IL www.capitolindemnity.com www.auto-owners.com Stanton-Ingersoll Agency Inc.
PO Box 378 Monmouth, IL. 61462
(309) 734-2171
IN   www.graindealers.com www.auto-owners.com
KS www.auto-owners.com    
KY www.auto-owners.com    
LA      
MA      
MD      
ME      
MI   www.auto-owners.com  
MN www.auto-owners.com    
MO www.auto-owners.com    
MS www.graindealers.com    
MT      
NC www.graindealers.com www.auto-owners.com  
ND www.auto-owners.com    
NE www.auto-owners.com    
NH www.co-opinsurance.com    
NJ      
NM www.graindealers.com    
NV      
NY Finger Lakes Fire & Casualty    
OH Masters & Associates Insurance
P.O. Box 148                       
Miamisburg, Ohio 45342-0148
(937) 866-3361
www.auto-owners.com  
OK www.graindealers.com    
OR      
PA      
RI      
SC www.auto-owners.com    
SD www.auto-owners.com    
TN www.graindealers.com www.auto-owners.com www.zanderins.com
TX KandKinsurance.com  Jackie Hays - Hays Insurance Agency (Allstate Agent)           
507 E. Brazos Ave. 
West Columbia, TX.  77486      
Phone: (979) 345-2271
 
UT www.auto-owners.com    
VA www.graindealers.com www.auto-owners.com  
VT www.co-opinsurance.com    
WA      
WI www.auto-owners.com www.capitolindemnity.com  
WV      
WY      
n/a www.rlicorp.com RLI offers insurance for bath & body only, no candle products.

For those of you who live in states where there is no listing and you are having a hard
time finding insurance, the articles below should help:

The Hartford's Business Insurance Basics (click here for article)
A very informative article that teaches you all about the different types of insurance you might need for your business!  A must-read!

 

Subject: Re: liability insurance

Hi, 

I have found that area by area and state by state coverage's will vary as will companies that sell policies.  I have been in the same shoes as you are now and I know how frustrating it can be.  We were dropped 2 months into our last renewal.  It seems that as we get bigger, less companies want to deal with the liability although my premiums keep making them more and more money.  I have yet to have a claim in all my years. 

Anyway, although I cannot help you find an agent or a company, I can help you find new coverage.  If you or any other person who is finding themselves in need of coverage follow this...you will find insurance at the end of the rainbow :o)

  • 1. Find the local Yellow Pages and look under "Insurance".  I know this seems very obvious, but trust me, sometimes it is the LAST place people seem to want to look.  
     
  • 2. Depending on the size of your local area, this may be one larger or not so large area, some are broken into categories, again this will vary by area. If it is broken down, you want "Commercial or Business" insurance.  Most agencies that advertise primarily Home & Auto insurance usually don't do commercial insurance.
     
  • 3. Look for Insurance Brokers. These are smaller independent agencies that deal more with specialty policies and instead of places like State Farm, and Prudential, they deal with a variety of carriers and can generally handle just about anything that needs to be covered. 
  • 4. Ask for the proper coverage. You need General Liability as well as Product Liability.  So many candlemakers out there only have General but no Product, and that is not going to cover you in the case of a faulty product claim. 
  • 5. I generally suggest 1 Million in coverage. $500K is acceptable in some areas, $1 million is not enough in others. Look at the areas that you will be selling in.
  • 6. Finally, get as many quotes as you can.  We found that policies can be exactly the same in coverage but can cost you in some cases 100% more than the next guy...It really pays to shop around for this one!


Good luck!  If you need more help. I will be glad to pass along any more of the information I have gathered.

Happy Candlemaking!
Flicker