so I decided to ask some people on ebay that are selling to see if they have insurance just to see what they say...here is one response: "No and i do not know anyone on Ebay that i know of who does, and i have many friends selling candles on Ebay.If you go to store and buy a candle and it burnt your house down you couldn't sue the store.It is the buyers responsibility to use Care when burning anything.Thanks for asking " here are anothers: "I don't have insurance or product liability." "What?" I agree that insurance would be a good thing...but how many people are selling without it? I found statefarm has retail service insurance. will have to call monday.