Janie, I would be happy to let you know what I find out. But I have a feeling that there is not much more to add than what the Guild has already stated. It is a phenomenal price that they are offering. I do not even carry candles because the cost in my state is astronomical. The Guild policy is pretty cut and dry. I just want to see it in print and find out if there are loop holes. Here is the coverage as stated on the Guild's site: This is a Commercial General Liability policy. The limits are: $1,000,000 General Aggregate Limit $1,000,000 Products-Completed Operations Aggregate Limit $1,000,000 Personal and Advertising Injury Limit $1,000,000 Each Occurrence Limit $100,000 Damage to Rented Premises Limit $5,000 Medical Expense Limit I am covered at $1 million in my current policy. I also have a much higher medical expense limit which is something that I do not even need. I have never been injured on the job and do not plan to. However, I cannot imagine needing so much money given what I do. The most critical bases of coverage have been taken care of here. The million for personal and advertising injury is what I personally find to be the most critical. I do not need the $100.000 damage to rented premises, but hey, it is nice to know that it is there if I ever do need it. My sales are very high. I sell large volume and I have NEVER had a single issue arise that warranted a law suit. While I know the possibility exists, (which is why I obviously have insurance), a group rate like this is the only way to go in this low risk business. The $500 per year that the Guild is asking for including membership is so reasonable that I have to keep reading the information on their site to believe it. It is such a fair rate. I also understand the need to join the Guild for this coverage. The insurance company wants to cover one organization and it keeps things simple. I hope that those of you in need of insurance decide to explore this option at least. It really is a great deal.