lise_pi Posted November 13, 2006 Share Posted November 13, 2006 I have a lot of people expressing interest in buying my candles. I have not yet gotten a tax ID and I'm not a registered business owner. I also have no insurance since I've only been making candles for personal use. Do you recommend selling candles without being registered or having insurance? Please help! Quote Link to comment Share on other sites More sharing options...
malaki Posted November 13, 2006 Share Posted November 13, 2006 i do not recommend that at all you need coverage for you product in case it burn someones house down. i am in the process of getting my tax id and registing my name but what ever you do get insurance ASAP. Quote Link to comment Share on other sites More sharing options...
lise_pi Posted November 13, 2006 Author Share Posted November 13, 2006 Thanks! I thought so....just wanted to get a second opinion. I want to present a professional image from the start. Any recommendations on insurance companies? Quote Link to comment Share on other sites More sharing options...
malaki Posted November 13, 2006 Share Posted November 13, 2006 what state do you live in Quote Link to comment Share on other sites More sharing options...
lise_pi Posted November 13, 2006 Author Share Posted November 13, 2006 I live in VA. Is it a problem if you make your candles in your house/apartment but don't own your house/apartment you live in? Quote Link to comment Share on other sites More sharing options...
malaki Posted November 13, 2006 Share Posted November 13, 2006 ok if you make soap you can get the soap crafters guild insurance for like 500 a year which is cheap.it covers candles bath & body and of course soap. you need to have soap somwhere in your line though. i got zoned from the city i live in with no problem but we own are house . check with your local zoning board and see if they have a problem with you renting and starting a business or if you own if they have a problem with you having a home based business Quote Link to comment Share on other sites More sharing options...
lise_pi Posted November 13, 2006 Author Share Posted November 13, 2006 Ok. Thanks! I'll look into making a couple of soaps then too:smiley2: Always open to learn something new.I thought zoning laws only applied to business owners who had customers buying directly from the business address (like a store in a privat home)?Or did I completely misunderstand that? Quote Link to comment Share on other sites More sharing options...
malaki Posted November 13, 2006 Share Posted November 13, 2006 it does but you still need a permit where i live and they will ask you if you have a workers or store hours , you say no and you will get a no-impact zoning permit. i got on to be on the safe side its like 50 bucks Quote Link to comment Share on other sites More sharing options...
lise_pi Posted November 13, 2006 Author Share Posted November 13, 2006 Makes sense. Thanks for all your help! I greatly appreciate it:) Quote Link to comment Share on other sites More sharing options...
malaki Posted November 13, 2006 Share Posted November 13, 2006 no problem good luck:cheesy2: Quote Link to comment Share on other sites More sharing options...
katie Posted November 13, 2006 Share Posted November 13, 2006 If you only want to do candles and want insurance check out Handmade beauty network for insurance. It is the same as the soapguild but you can just have candles. It is the same insurance coverage for both organizations. Quote Link to comment Share on other sites More sharing options...
Budgie Posted November 13, 2006 Share Posted November 13, 2006 Is it a problem if you make your candles in your house/apartment but don't own your house/apartment you live in?You may need to get permission to work from the home from whoever owns the building. When I first started making candles, I lived in an apartment and I was told I needed written permission from the company that owned the apartments to work from home in order to get licensed. Quote Link to comment Share on other sites More sharing options...
country creek Posted November 13, 2006 Share Posted November 13, 2006 I also live in VA and I am almost positive that VA requires us to carry insurance. I will check with my Attorney but I am almost positive. Quote Link to comment Share on other sites More sharing options...
lise_pi Posted November 13, 2006 Author Share Posted November 13, 2006 Thanks for all the good advice. I'll check out Handmade Beauty Network insurance. I'll talk to my landlord too..... Quote Link to comment Share on other sites More sharing options...
SoyCandleQueen Posted July 3, 2007 Share Posted July 3, 2007 I just got a copy of our zoning laws (Michigan) and if I am reading this right, I cannot make the candles in my own home. Am I reading this correctly?(5) No toxic, explosive, flammable, combustible, corrosive, etiologic, radioactive, or other restricted materials shall be used or stored on the site.Thanks,Dawn Quote Link to comment Share on other sites More sharing options...
Meridith Posted July 3, 2007 Share Posted July 3, 2007 Insurance is a a must IMO to cover your butt in the case something happens. And since we don't know what a customer will do when they get our products home, it is better to be safe than sorry. While it would be those bringing the lawsuit to prove that your candle or product was defective and therefore resulted in the loss or injury, you will still be required to defend yourself in that case. And one case alone could financially ruin you. Read this thread for an example of what a customer can do and what can happen:http://www.candletech.com/forums/showthread.php?t=53479Be careful if you are doing it out of your home that it does not conflict with your homeowners insurance. Lots of homeowners insurance will not cover you doing candles and B&B out of your home. They frown upon it. It would suck to lose your homeowners insurance. Quote Link to comment Share on other sites More sharing options...
SoyCandleQueen Posted July 3, 2007 Share Posted July 3, 2007 Isn't that what the product liablity insurance is for? Isn't that seperate from the home owners insurance? Quote Link to comment Share on other sites More sharing options...
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