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General liability insurance


Daisymay66

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Mine is 1 million occurrence, 2 million aggregate.

I only make and sell wax melts (no candles, no bath and body products).

After working on my taxes, my accountant is suggesting perhaps a different way to organize my company and he suggested perhaps a different way of managing my insurance.

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  • 3 weeks later...

General Liability or Product Liability, you have recieved two answers here.

General Liabilty covers slip and fall accidents etc by customers in your store etc. Often craft shows require this coverage as well.

Product Liablity covers you in the case that a customer reacts badly to an ingredient in a product you make and is harmed as a result or a candle you made was responsible for a house fire.

 

They are not one in the same nor are they interchangable.

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