vickilee Posted December 19, 2009 Share Posted December 19, 2009 Hi everyone,I have a question about liability insurance. I am getting back into candle making after being away from it for several years.I am focusing on wickless products this time around. Mostly melt warmers, sachets, etc.With that in mind, do I still need to carry liability insurance? Thanks so much,Vickilee Quote Link to comment Share on other sites More sharing options...
islandgirl Posted December 19, 2009 Share Posted December 19, 2009 (edited) I would make sure I had coverage.. If an idiot can spill hot coffee on themselves and take Mickey D's to court, then they can surely spill hot wax and try the same thing on you...The world is full of nuts, make sure you have protection!!!... Edited December 19, 2009 by islandgirl Quote Link to comment Share on other sites More sharing options...
vickilee Posted December 20, 2009 Author Share Posted December 20, 2009 Good point! I had not thought about that, but you are right. Thanks for your input.Vickilee Quote Link to comment Share on other sites More sharing options...
Blest2BAmerican Posted December 20, 2009 Share Posted December 20, 2009 Yep, protect yourself and get it. Quote Link to comment Share on other sites More sharing options...
elfcat Posted December 21, 2009 Share Posted December 21, 2009 Absolutely! You never know what stupid thing someone is going to do or will do. Land of the frivolous lawsuit! Quote Link to comment Share on other sites More sharing options...
Kitn Posted December 22, 2009 Share Posted December 22, 2009 Exactly , you just never know what some airhead might do and blame your product . Quote Link to comment Share on other sites More sharing options...
barncat Posted December 22, 2009 Share Posted December 22, 2009 if you plan on selling them and you have assets...YES! Quote Link to comment Share on other sites More sharing options...
andy123 Posted December 22, 2009 Share Posted December 22, 2009 I read a lot about liability insurance but you got to separate your business from your personal assets by forming a LLC. Quote Link to comment Share on other sites More sharing options...
RichardLOZ Posted December 23, 2009 Share Posted December 23, 2009 Sometimes I am so happy to be living here in Australia where it is nowhere near as crazy in regards to litigation as you guys have it there. And to think that I would kill to live and work there for a few years Having said that we still have both public and product liability insurance, just in case. Quote Link to comment Share on other sites More sharing options...
barncat Posted December 23, 2009 Share Posted December 23, 2009 They can still go after you assets in certain situations. There is a fine line between all of that...especially once you start dealing with letters of credit and business loans. Im a corpration and still confused about it all. My business is my biggest asset, so if I loose that I'm screwed anyway LOL.I read a lot about liability insurance but you got to separate your business from your personal assets by forming a LLC. Quote Link to comment Share on other sites More sharing options...
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