stacien Posted September 21, 2006 Share Posted September 21, 2006 Does everyone here have insurance on their business. I am not a salesman but just curious who's concerned and who's not. Quote Link to comment Share on other sites More sharing options...
Vicky_CO Posted September 21, 2006 Share Posted September 21, 2006 I don't know if everyone does but I do. I think insurance is very important for my state of mind if nothing else. Quote Link to comment Share on other sites More sharing options...
Brandies22 Posted September 21, 2006 Share Posted September 21, 2006 do you really need insurance ? even if just selling at craft fairs? Quote Link to comment Share on other sites More sharing options...
TeriM Posted September 21, 2006 Share Posted September 21, 2006 you do... what most people don't know is that stuff you use in a business is not automatically covered under your homeowners policy.. neither is the stuff in your car if your in an accident on the way to a show or home party... if for no other reason you should have coverage for that... not sure about everyone else... but I have a chunk of change in supplies in the house.. (FYI.. I am an agent) Quote Link to comment Share on other sites More sharing options...
cindym Posted September 21, 2006 Share Posted September 21, 2006 Yes I have insurance, Ihave since the day I started selling. Actually many of my wholesale accounts will ask me if I have it when I first approach them. Quote Link to comment Share on other sites More sharing options...
LynnS Posted September 21, 2006 Share Posted September 21, 2006 Yes I have it and need to renew next weekLynnS Quote Link to comment Share on other sites More sharing options...
KristinesShower Posted September 21, 2006 Share Posted September 21, 2006 If you do a search, there was a couple polls about insurance that really tell you who has it and who doesn't (if you wanted to see numbers)I believe that if you can't afford insurance for your business, you shouldn't be in business. Quote Link to comment Share on other sites More sharing options...
CC on Maui Posted September 21, 2006 Share Posted September 21, 2006 I wouldn't operate my business without insurance, anymore than I would drive my car without insurance.That being said however -- there are people who drive uninsured everyday.Guess it comes down to what kind of risks taker you are. Quote Link to comment Share on other sites More sharing options...
Candle Man Posted September 22, 2006 Share Posted September 22, 2006 I can't find anyone that will cover candles, now B&B is just a little bit easier they all tell me it's to high risk. I want 1 policy to cover manufacturing, store contents & product liability.A restaurant is high risk too, kitchen fires, hot food etc. but they get insurance. Even homeowners get insurance and they are more of a risk than me. What about grease fires & candle fires in the home, that's more common than a candle factory going up in flames.I had a local independent agent check nation wide for coverage but when she called them, and told them it was for candle manufacturing, they said nope wont do it to high risk. Quote Link to comment Share on other sites More sharing options...
islandgirl Posted September 22, 2006 Share Posted September 22, 2006 Would not sell without insurance.. It only takes that one *ss who is sue happy and you could lose everything you own or be tied up in the court system for years!!Yes, they can still sue you with insurance, but at least the insuracne Company will deal with the person directly. Quote Link to comment Share on other sites More sharing options...
schmoopie Posted September 22, 2006 Share Posted September 22, 2006 Wouldn't operate without it!!Thanks for reminding me.... I need to renew : ) Quote Link to comment Share on other sites More sharing options...
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