e911 Posted December 19, 2015 Posted December 19, 2015 Besides the crafters guilds, does anyone have insurance direct with a carrier like Erie, Nationwide, etc.? I have a quote from Capital Indemnity but I wanted to shop around first before I committed to this plan as it's a bit steep (north of 500$/year). Thanks everyone! James Quote
justajesuschick Posted December 19, 2015 Posted December 19, 2015 My insurance is with American Family who also insures our cars and home. I need to point out that I do NOT make candles, bath and body, nor sell warmers. Wax Melts only. I provided photos and detailed description of what my business is and is not. I have had the policy for 2 years.Since I am a neat freak and also have a full time career, I do not do events although my insurance would cover that.It is very reasonable. Quote
kandlekrazy Posted December 20, 2015 Posted December 20, 2015 It depends what state you're in but State Farm covered me in AZ for both candles & melts for under $300. a year. When I moved the business to CA, they dropped me like a hotcake and I wentwith the Guild as I couldn't find anyone else. Quote
e911 Posted December 20, 2015 Author Posted December 20, 2015 State Farm dropped me after I was hit in a car accident so I doubt I can get insurance through them again. :-/ I know my agent with Erie either can't access it or Erie doesnt offer it, not sure which. Quote
TallTayl Posted December 20, 2015 Posted December 20, 2015 Make sure to compare apples to apples. Compare not only individual coverages, fees to add on a named insured, etc. but fringes. I have been with the guild for 7 years or so. The insurance portion is only about $400. The rest of the fee is membership to the guild.With the guild membership i get nice discounts through the Power Purchasing option. UPS savings is sweet, and most happily Office max/Office Depot contract pricing. Just yesterday the membership saved me $75+ on 2 toner colors and paper. the benefits totally cover my insurance and membership by the end of a fiscal year. Quote
e911 Posted December 20, 2015 Author Posted December 20, 2015 Thanks TallTayl. I have a great discount through FedEx, making them much cheaper than UPS and the OfficeMax/depot closed. Only thing we have is a Staples. Which guild are you with and what is the total yearly fee including insurance? Quote
TallTayl Posted December 20, 2015 Posted December 20, 2015 I am with the soap guild (SoapGuild.org). $520/yr.I looked at Brower and others. Lower coverage for fewer products and annual sales caps cost nearly as much.Indie Business network (IBN) covers a little more (food) for a little more $. Quote
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