Just thought I'd share my experience with the Handmade Beauty Network thus far. I haven't joined or anything yet, but I did email for information this morning regarding the insurance and the reply I received was both prompt and informative. I believe the president of the group was the one that responded. I was afraid that their policy only covered retail (because I was considering joining the Ohio Arts and Crafts Guild for their insurance and then read on here somewhere that their policy doesn't cover wholesale, and I need to be covered for that) and she answered all my questions thoroughly. She also sent me another email with the entire master policy for review. I had my hubby look over it (because I'm clueless with this type of thing) and he thinks it is a pretty good policy. And, it does cover candlemakers. I believe the Soap Guild requires that you do soap in order to join. I know the Guild has a referral for candlemakers on their site that directs to Handmade Beauty Network for the insurance. I'll definitely be joining. $516 annually is amazing. I was paying $1600/year for insurance and my policy is up for renewal. Just think of all the FO's I can get with that extra $1100. lol PS: In case you are wondering, this policy DOES cover wholesale as well as retail.