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When you begin to sell your products, it is often recommended to obtain Product Liability and possibly other business insurance coverage to protect yourself from potential law suits. At first the project of finding and selecting a carrier seems daunting. Depending on your sales levels, insurance may even seem out of reach at first. You have several options, some dependent on your total sales in a given calendar year. This list is not all inclusive, but gives you an idea of places to start your search for a carrier that fits your personal business needs. Popular Insurance Carriers for Indie Businesses (Soap, Candles, Cosmetics, etc) Name: Brower Insurance - sold to Marsh & McLennan - Sold to ZN Creative Product: Artist and Craft Artist Program Web site: http://www.mma-mw.com/business/specialty-programs/artist-program https://zncreative.com Products Covered: Speak with agent. No specific products are listed on the site. Extra Benefits: none Note: insurance coverage only. No memberships to guilds or networks required. Name: RLI Product: Product Liability Insurance Web site: http://www.rlicorp.com/Products/pl.asp Extra Benefits: none Products Covered: Speak with agent. No specific products are listed on the site. Note: insurance coverage only. No memberships to guilds or networks required. Name: Handcrafted Soap and Cosmetics Guild Web site: http://www.soapguild.org/ FAQ: http://www.soapguild.org/membership/benefits-chart.php Products Covered: Extra Benefits: some supplier discounts. http://www.soapguild.org/membership/benefits-chart.php Other Notes: insurance is a member benefit. You cannot obtain insurance without accompanying guild membership. Name: Indie Business Network Web Site: http://www.indiebusinessnetwork.com/products/ Product Info: http://www.indiebusinessnetwork.com/product-liability-insurance/ x Products Covered: Extra Benefits: some supplier discounts. Note: insurance is a member benefit. You cannot obtain insurance without accompanying IBN membership. Other: Check with your own insurance carrier(s) and compare options and rates. It is useful to have coverage charts from the popular specialized industry options to compare apples to apples.
Make sure you stay up-to-date on all the happenings of the HSCG! Special Announcement Dear Shannon, NEW Lower Cost General & Product Liability Insurance Option Introducing another insurance option for HSCG Members! Members now have the option of purchasing a General & Product Liability Policy with their Professional Membership that is $110 less per year than our regular policy. This policy contains $1M in liability coverage, includes candles, has no gross sales cap and is available in all 50 states. Available for $265/year The major difference in this policy option over our full coverage is that this option does NOT contain any coverage for property. If you do have a well established business with a good amount of property, we recommend the full coverage policy to include your business property. When purchasing insurance coverage for your business, be sure to look at what the policy actually covers, the restrictions and any associated fees, to make the best possible decision. RLI (see below) is a great option for businesses that are just starting out and making less than $5,000 gross sales/year and you can still be an HSCG Member! The chart below gives you the major differences in both of the policies available with HSCG Membership as well as the policy from RLI to help you make the best decision for your business. HSCG Professional Membership is $140/year. You have the option to purchase a membership with or without insurance and either policy is available. Purchase Membership/Insurance Insurance Info Sincerely, Leigh O'Donnell HSCG Executive Director Phone: 1.866.900.SOAP Phone: 1.518.306.6935 Connect with us: | Quick Links | Member Login How-To Library Membership Dashboard Lye Calculator Insurance FAQ HSCG Members-Only FB Group Suppliers & Discounts Annual Conference HSCG Management HSCG Blog - Cut To The Trace Certification Program Office Hours/Holiday Closures Handcrafted Soap & Cosmetic Guild | 866.900.7627 | www.soapguild.org | 178 Elm St. Saratoga Springs, NY 12866 * PLEASE NOTE: If you unsubscribe to this email, you will be unsubscribing to all future member eNews blasts from the HSCG. Handcrafted Soap and Cosmetic Guild | 178 Elm St., Saratoga Springs, NY 12866 Unsubscribe firstname.lastname@example.org About our service provider Sent by email@example.com in collaboration with Try it free today