My sister and her husband have a store within an indoor flea market type setting. They sell his handmade cedar beds, but also currently sell candles (bought wholesale from a supplier). He wants me to make some tarts to put in their store to sell. Eventually, he wants me to put my candles in there, but it will be a while before I master the wicks. Anyway, I read another post on here about crafters insurance, but I was wondering if this would apply to just tarts. There are no flames or containers involved (they would have to supply their own warmer). My thoughts are that if the warmer caught on fire or something, then the lawsuit that they may file would go against the candle warmer maker??? I'm not sure, that's why I'm here asking... And if crafters insurance DOES have to be purchased, which party is responsible for that? My sister (the owner) or me (the crafter)? I would think that they already have some type of insurance since they currently sell another lady's candles....would my stuff be covered under that? This whole business side of things is all new to me.... I just don't want to make a slew of tarts, put them in their store, and not have my butt covered.... Would appreciate any help/guidance you can give me on this.