smiley_miley Posted July 17, 2005 Share Posted July 17, 2005 I am curious about business property and liability insurance. I am just starting my own business, and I think it would be a good idea to get some insurance, especially dealing with flammable things like candles, and I am also thinking of getting into B&B products.To any business owners out there, is there a reasonable place to get this kind of insurance? I have no idea what kinds of rates there are, but if some of you who have insurance could give me a few pointers or reputable companies, that would really be great! Thanks a lot! Quote Link to comment Share on other sites More sharing options...
Deb Posted July 17, 2005 Share Posted July 17, 2005 On the old board, there was a ton of information about insurance. Hopefully, once the archives are posted, we'll be able to reference it all. Quote Link to comment Share on other sites More sharing options...
Lorrie Posted July 18, 2005 Share Posted July 18, 2005 I see that you are in Ohio. Well try Benchmark. They are list on the Ohio arts and craft guild. Quote Link to comment Share on other sites More sharing options...
Candle Man Posted July 18, 2005 Share Posted July 18, 2005 It may be near to impossible to find product liability insurance. All that anyone will insure me for in my store here in AR is personal liability and the building NO product or contents (inventory, office equipment etc. nothing) because of the dangers of making candles. Quote Link to comment Share on other sites More sharing options...
foxhill Posted July 18, 2005 Share Posted July 18, 2005 You can try checking with someone who specializes in business insurance. I have a friend that specializes in bussiness insurance and she helped me find the coverage I needed. Quote Link to comment Share on other sites More sharing options...
RobinInOR Posted July 18, 2005 Share Posted July 18, 2005 Pull out the yellow pages and start calling all the different companies that write for multiple companies. It can be tricky to find - some states are easier than others. Some companies will write for B&B but not candles, some are the other way around. I've seen ranges of prices from $250 - $1200 a year. Quote Link to comment Share on other sites More sharing options...
TeriM Posted July 18, 2005 Share Posted July 18, 2005 just PM'd you... Quote Link to comment Share on other sites More sharing options...
Georgia Posted July 18, 2005 Share Posted July 18, 2005 Just keep calling and asking...if they say no, ask for a referral number to someone else. My homeowners insurance co. wouldn't insure me because I make the candles...if I just sold them, they would insure me. I asked why. She said because you use heat to make candles. I told her I used MORE heat to cook, which I don't do well, and they have insured me for years! Thankfully, she gave me the number of another agent who could write a policy for me. Quote Link to comment Share on other sites More sharing options...
Trish Posted July 19, 2005 Share Posted July 19, 2005 Just keep calling and asking...if they say no, ask for a referral number to someone else. My homeowners insurance co. wouldn't insure me because I make the candles...if I just sold them, they would insure me. I asked why. She said because you use heat to make candles. I told her I used MORE heat to cook, which I don't do well, and they have insured me for years! Thankfully, she gave me the number of another agent who could write a policy for me.LOL! I haven't heard that explanation yet! You use HEAT so they won't insure you? Too funny. I've been trying to find insurance in California and it's feeling darn near impossible. Quote Link to comment Share on other sites More sharing options...
darci Posted July 19, 2005 Share Posted July 19, 2005 try www.auto-owners.comI just saved about $1000 per year by going through them. They're not available in each state, but I was lucky enough to have an agent in my home town. Quote Link to comment Share on other sites More sharing options...
barbaranj Posted July 19, 2005 Share Posted July 19, 2005 Is it Ok to post this? It is from another board but might prove helpful.http://www.candlecauldron.com/insurance.html Quote Link to comment Share on other sites More sharing options...
smiley_miley Posted July 19, 2005 Author Share Posted July 19, 2005 Thanks a lot for the ideas and that link, keep em comin! LOL Quote Link to comment Share on other sites More sharing options...
Kimberly Posted July 20, 2005 Share Posted July 20, 2005 About the cheapest place you will find it in Ohio is the place Lori mentioned. They specialize in Crafters Insurance.I think A 1 million dollar Product Liability policy through them is around $300. Quote Link to comment Share on other sites More sharing options...
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