lmc Posted May 11, 2013 Share Posted May 11, 2013 I have been making candles for several years now and I make for myself and give some to my family....I have no plans to ever make a business out of it. However, I would like to give some to my friends on occassion as gifts. The question is IF heaven forbid, something were to happen (jar breaks, furniture gets scorched, whatever) am I held liable for damage? The whole state tax, filing tax, business license, liability ins. is what keeps me from selling to begin with, but I'm unsure of what my responsibilty is if something should happen from a candle (that Ive made) that's gifted compared to one sold. TIA Quote Link to comment Share on other sites More sharing options...
marcuset Posted May 11, 2013 Share Posted May 11, 2013 Good question lmc, friendships have ended in court over much less. Quote Link to comment Share on other sites More sharing options...
ChrisR Posted May 11, 2013 Share Posted May 11, 2013 Before I even started testing candles many years ago I had liability insurance in place, just in case. I think anyone who makes candles at all should have insurance because you never know what idiot out there burns their house down. It's just common sense on your part as a candle maker to cover all your bases!! Quote Link to comment Share on other sites More sharing options...
pcbrook Posted May 11, 2013 Share Posted May 11, 2013 I did not have any insurance for my first couple years of making candles and I was always worried about it. I feel much better now that I do have it. I have had insurance for the last 4 years and it really isn't that expensive when you think of the alternative. My insurance company let's me make monthly payments so it is easier to take. Quote Link to comment Share on other sites More sharing options...
dillypooh Posted May 12, 2013 Share Posted May 12, 2013 pc would you share who your insurance is with? Quote Link to comment Share on other sites More sharing options...
pcbrook Posted May 12, 2013 Share Posted May 12, 2013 It is Capitol Insurance in Middleton Wisconsin. Not sure how insurance works and if it goes state by state. I actually just went to my usual insurance agent and they hooked me up. It is about $25.00 per month. Quote Link to comment Share on other sites More sharing options...
ksranch Posted May 12, 2013 Share Posted May 12, 2013 You are lucky - my homeowner's insurance wouldn't touch it - said it is a high risk business and they won't insure it. Quote Link to comment Share on other sites More sharing options...
lmc Posted May 12, 2013 Author Share Posted May 12, 2013 Thank you everyone for the replies....I will just keep my candles and melts for myself, I enjoy making them and want to keep it that way ; ) Quote Link to comment Share on other sites More sharing options...
nicswicks Posted May 15, 2013 Share Posted May 15, 2013 If you ever did decide to start as a business, check out SCORE. http://www.score.org/ They have chapters all across the US and will be able to help you start out with planning and getting set up at the state level with taxes and licenses. Quote Link to comment Share on other sites More sharing options...
lmc Posted May 15, 2013 Author Share Posted May 15, 2013 Thanks Quote Link to comment Share on other sites More sharing options...
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