LOL. I sell auto & home insurance for Allstate in TX and called my underwriters for clarification. They told me that on our "new" policy there is not an exclusion for candlemaking. Said it fell into a covered category of sudden & accidental loss. They also said that most of the danger in candles is the burning of candles not the making of candles. I laughed and said "well I have heard a few stories that might make you cringe", the underwriter said same goes for cooking. So I guess depending on when you tried to get insurance would have determined which policy they had at the time. Also if you are in a different state, rules can be much different even for the same company. I will probably call back and get a 2nd & 3rd opinion for different underwriters to make myself feel better though. Now as it goes for the seperate policy to cover you general liability, Allstate business will not touch most things that have high risk... candlemaking, restaurants, glass making, landscaping, etc..