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  1. 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.
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