R.S.

on the soy waxes!!!

5o lbs of 415

Peaks went down to $44.00

Candles & Supplies $38.00

Candle Science $47.00

BCN and BCS ( EZ SOY ) Still $52.90 :rolleyes2

C-3

Fillmore Container $49.00

Candles & Supplies $49.50

Candlwic $48.00

Candle Science $58.00

Lone Star $65.50 :rolleyes2 WOW!!!

Ecosoya Container Blend 135 Soy Wax - 50 lb. CASE

BC $64.50

Peaks $58.75

Candle Science $65.99

I suspect prices are dependent on when the supplier reorders and how much they order. I'm anxiously awaiting to see what BCS prices their CB135 at when they have it back in stock. But $58 seems to be the price. (BCN is at $58 as well).

Edited to Add: Just checked BCS and they have it back in stock at $69. Hmmmmmmmm. May have to look elsewhere.

I'm sure it may vary from company to company, but my agent said it just needs to be a building not attached to my house.

And you have to be able to show that it is a business, not just a building sitting in your back yard. He said the only thing needed to do that is a phone and electricity running to the building that's in the business name. You don't have to have water or a bathroom or anything since I wouldn't be selling or preparing food.

I haven't done it yet, because it's going to cost a small fortune to have the electric company come set a pole in our yard to run the electricity. And since this is something that's just borderline hobby to me, it's just not worth it. But DH is wanting to build a garage around back, next to my building, so he will need electricity for that.

But I would definately check it out, it couldn't hurt. Good Luck

I spoke with the agent that I'm getting my product liability insurance through and told her I was thinking about doing something like this. She said that that would open a lot of options for me. She didn't mention that it would have to be in the business's name though. Hope that doesn't cause a problem, cause I don't care to go to the city to get a zoning change.

I have tested CD12 versus CDN12 and they are definitely NOT the same. CDN12 had about half the melt pool of the CD12. So don't go by the numbers.

I don't know about other insurance companies, but my company(KY Farm Bureau) offers a policy that will cover product liability and shop liability under one policy.

I just have to have a shop established with my business name, it can be as simple as one of those throw together buildings you can buy, and it can even be on my personal property beside my house, but I have to have a phone and electricity in my business name.

By doing this my premium would go from $1,000+ per year, just for product liability, to around $450 per year for everything.

I'm interested in this, as this is the path I think I'm heading down. How is "shop" defined? As in workshop or store? And do you have to worry about zoning?

I'm thinking of building a workshop in my garage (which is detached from the house). An this would be a good way to go for me.

How does moronic actions dictate that I'm at fault? You leave your candle burning and go out to dinner... I'm going to have a hard time swallowing that I'm somehow at fault for the burning of your home.

I agree with you completely, but the answer to your question above is that they drag you into court anyways, and even though you should probably win, the insurance company still ends up racking up tens of thousands of dollars in lawyers fees. A damn shame.

Most Fed Ex/Kinko's have a design workshop where all the graphics programs are on the machine and available for use. Beats paying $600 for Photoshop.

Anyone just get the email from CandleScience that they are dropping prices on Golden Brands and IGI by as much as 10-20 a case? I bet others follow suit!

Well I spent a lot of time googling last night and didn't come up with anything that helped.

The main company doing In Home Business Polices (IBNP) is a company called RLI. In looking at the policy, it doesn't specifically say it would cover your home if it burned down due to making candles, only that it would cover your business equipment. Amongst the list of eligible business was this:

Candle Sales, excluding sales of candles

made by individuals (5)

Crafts, excluding manufacturing/distribution of candles

made by individuals

I will search some more, but this is not looking promising to me.

http://my.rlicorp.com/Products/IBP/ibpeligiblebusinesses.asp

Miss Mary, thank you very much, you've given me a couple new avenues to pursue.

R.S. I've gotten a separate policy for a few dollars a month to cover biz related home damage. Also, I know many people here who's insurance companies let them piggyback a commercial type insurance, and for quite cheap. HOI is not going to cover biz related incidents. Of course it's not. It's a totally different policy. And my HOI with USAA had no qualms about my running a biz in the house as long as I faxed them the information on the other policy.

I don't know who's telling you this, because there and tons and tons of threads here all talking about how people are insuring their homes for biz related incidents and their HOI knows about it.

If something happens to your house and you don't have it covered by another policy, your HOI isn't going to pay out anything at all, regardless. They'll say you should have had a separate. I believe some call it piggyback, others call it a rider with their companies, and some just have a separate company on the insurance with their HOI having a copy of the policy.

But no one can really tell you who you can go with for sure, because there's all sorts of factors - how much you produce, where you produce, whether that company can underwrite in the state you live in, what the regulations are in your state. It's a painful process sometimes, but it's a necessity IMO.

Thank you for this information. I certainly agree that is is a necessity. I will keep asking around, but right now no one seems to want to touch this.

May I ask who is your piggyback policy with?

ETA: And this piggyback policy is also different from your commercial liability policy, correct?

What did state farm say? I just called them this morning to get a quote and they are going to be calling me back. I got a quote from one place but it was $910 a year and that is just crazy.

Thank for any info you can give me.

My quote was for over $1000. But again, this is for the commercial liability. I can get quotes for that no problem. The real problem comes with my home... my homeowners (and from what I hear.. anyone's homeowner's) policy will not cover damage to the house if it results from a manufacturing business run out of your house (and your commercial coverage won't cover this either-only equipment related to manufacturing). If they find out about it, I'm told they will simply non-renew you. This is the part that concerns me.. if I burn my house down making candles, I'm out a house with no recourse. My stomach is in knots over this.

Sorry to keep harping on this.... but after more rejections the bottom line is this...

No one will cover your home if you are manufacturing any products in it and have an accident/fire while performing your business duties. So while you can have the general liability protection, no one has coverage for their home if it burns down in the process of making candles for a business.

This is scary to think that all of us are going bare on this.

This is sooo frustrating.. Auto-Owners is not doing business in Texas. Ohio Casualty is now owned by First American..so the new rule is $1000 minimum premium.. I guess everyone can expect their insurance to double next year... if they continue with this line at all, the agent tells me that they are thinking of getting out.

I'm now talking to State Farm that has my car insurance and they are working something up. My homeowner's agent is afraid to ask Travelellers about a business rider for fear that they'll non-renew my homeowners. State Farm is finding out if they would do this coverage if I moved my homeowners to them as well.

UUUUGGGGHHHHHH

How are people who are making candles out of their house getting coverage on their house as well? Please help, I'm beside myself here.

BTW, just checked and you are right..... Yankee doesn't make 100,000 candles a day. It's approx 270,000 per day.

"Today, the original one-man operation employs 3,500 people — 1,000 in its supply chain alone — and produces 100 million candles a year out of a 294,000 square-foot facility in South Deerfield, Mass. Its 160 different scented candles are sold in more than 260 retail shops and 14,000 wholesale locations throughout the country, as well as through direct mail catalogs, its Web site, inter-national distributors, and a distribution center in the United Kingdom."

I stand corrected. My apologies. That's over 2 candles a second... 24/7/365!

This from a company that makes over 100,000 candles a day!

Um.. I have to call a BS on that. I doubt even Yankee makes that many a day.

Search is your friend. I use WYW almost exclusively and found that they are the only scents that give me the scent throw I want. (Even then, some of them don't). Vanilla Grapefruit is a must have. Citrus Pine has been received VERY well.

I honestly couldn't imagine a bacon flavored candle. But now I'm on my way into the kitchen to fry me up some!!!!!

I have Ohio Casulty and my renewal is in Jan. I'm bettin' my renewal will remail the same price. I think you should call another independent agent and ask them for a quote. I do know that a basic 1 or 2 mil policy on ANY commercial insurance starts at $500...

When you get your renewal, please post here and let me know what it is... please please please.

Also, I know that Ohio goes by your annual amount of income so that could possibly be a factor as well.

Again.... it's not the cost of the insurance, they showed me the underwriter's worksheet.... the insurance itself is $148. They have a new minimum premium rule that makes it $1000.. up from $500.

and I told them my expected sales would be $5,000, so it can't be related to that.

Well this is a new quote, not a renewal. I am very aware of Insurance pricing and the effective dates of rates. Trust me on that one, lol.

As I mentioned in my previous post, the agent thought it would be $500 and came back with $1000, so it is very very new. Ie: this week.

And again, this isn't the price of insurance, the insurance is actually $148. They just have a minimum premium requirement. I am asking if they would provide home insurance for a business related claim to help fill in that difference because that sort of loss is specifically excluded under my homeowners policy.

I currently have Ohio Casualty but it's acutally billed by America First Insurance. On my statements it says coverage is provided by Ohio Casualty insurance. Anyway, I just got my renewal paperwork and bill and it's still 500 dollars/year. Hope I"m not missing something cus I didn't see any significant changes to my policy and my bill says 500/year.

Yes, what I was quoted was through America First as well. Don't be surprised to see a big increase next year, then.

ETA: When we talked on the phone yesterday morning, she said it will probably be $500. Then when she called me all of a sudden it was $1000. So I'm thinking this is a brand new "rule" this week or she's trying to get extra money out of me. (I don't think it's the latter). But I am none to please.

I also thought that the indy network required making soap as well, which is why I hadn't pursued that avenue.

I just got a quote today for product liability insurance. The quote for the actual insurance is $148. BUT..... they previously had a minimum premium of $500 and that has now been raised to $1,000.

It bugs the HELL out of me to pay 7x the cost of insurance just to have coverage. If I have to pay that, I'll be hunting up all sorts of things to have insurance on to make up the difference. That's crazy.

well that's what I was thinking... where do you buy those temp strips?

I saw this on the Taylored Concepts website:

NOTE: THE ASTM has declared that 175º is the Maximum temperature that the Container can be when the melt pool has been achieved on your candles. Any thing above this can be a hazard. Please check your candles to comply with these standards.

How would I check to make sure I'm complying with this? Is everyone else doing this? I'm sure I'm ok because I can pick my candle up at any time and carry it without burning myself, but would like to know how hot my containers are getting.

They used to be something else.. I think they had soycandles.com or something like that. They have been around awhile. I order their tumbler lids.. they're wonderful.