Well there really is no "Shortcut" out of insurance. If you are serious enough to sell, then you better be serious enough to be legit. Is it really worth it to you to take shortcuts? The thing is, a waiver is going to 1. not do a damn bit of good. 2. Going to make customers shy away since they have to sign a waiver. You are almost saying "My stuff is dangerous to burn so I have to protect myself. The purpose of insurance is to provide protection to you in the case of manufacturers negligence. So if the customer leaves their candle burning for 24 hours straight and something happens to it, chances are you are not going to foot the bill. That is where a good attorney comes in. I have yet to hear of a candlemaker sued out of house and home because of the customers stupidity. That is why THEY have insurance. Now that being said. If they had your candle burning for an hour, and it was completely liquefied, with a jar extremely hot on one side due to the fact that you have an over sized wick and it is leaning to one side, well then no "waiver" is going to protect you anyway if that jar creates a fire. The customer has the burden of proof, to show that you where the cause of it. And if they do, your screwed. My advice, don't take the easy way out, get insurance. Honestly, if you have to figure out ways to worm out of getting insurance, you really have no business selling at all. JMO though. GL