Hello Everyone,
I made and sold candles for about 10 years. At Farmer's Markets, at a restaurant gift shop and on line. I did not have Liability insurance. Just an LLC. I stopped when we moved across the country. Fast forward 5 years later I'm looking to relaunch in a larger Metropolitan area so this time I'm going to be an LLC and get Liability Insurance. Our State Farm Insurance gave me this quote. Does this seem like excessive coverage? Like way more than what I need? I mostly just want to protect myself from being sued. And my inventory in case of burst pipes or something. I'll admit I don't much about insurance coverage. I've been on the ball about getting a new LLC, hiring a registered agent, Getting DBA, sales permit, EIN, ett. But this I'm a bit in the dark. I've attached her quote. Granted I didn't give her a lot of direction. Just told her I wanted product Liability. But I'm seeing some other things attached I'm wondering if I need. Any input would be appreciated!