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Candle Making Insurance & Candle Business Insurance: Quotes From $5

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Historians estimate that candles have been around for over 5,000 years. It’s widely believed that the first recorded candles were created by the ancient Egyptians and were made by soaking a reed leaf (as a wick) in animal fats (to act as candle wax). Other cultures used combinations of beeswax or tree sap for their candles. 

Despite the fact that most of the world has access to electricity, lightbulbs, or battery-powered light, though, candles are more popular than they’ve ever been. In fact, there’s an entire market for handcrafted candles!  Many of these homemade candles are infused with natural herbs and essential oils to add to the lush scent and provide natural aromatherapy while also providing light. 

Soap and candle insurance are very similar, and much like soap makers insurance, whether you’re making and selling your candles at your local flea market, farmers’ market or if you’re selling your candles online from home, you are a small candle business owner, and therefore, you are required to have insurance for selling candles. As a responsible artisan, it’s your responsibility to purchase small candle business insurance to stay protected from any claims coming from a defective product, disatisfied customer or even property damage. 

Additionally, most commercial workshops or retail spaces require tenants  selling candles to show proof of insurance before renting the location. So it is wise to have candle craft insurance in your financial toolkit! 

Craft insurance for candles, be it candle making or candle selling only, is what we will discuss in this article. This article will outline some of the risks associated with the candle-making industry and explain the importance of having a candle liability insurance policy. Then, we’ll break down the different types of liability insurance for candle makers, show you the average small candle business insurance cost, and how to get affordable candle makers insurance coverage and cheap candle making insurance quotes online! 

Do I Need Candle Business Insurance?

The short answer is yes, you do need candle insurance if you make or sell candles, either from a candle shop or online from home. 

Here is why you need to keep a basic candle making business insurance - at the very least! 

For the most part, making candles is a relatively low-risk business to be in. As long as you know what you’re doing (general workshop safety), then you shouldn’t have  worry about too much. However, when you’re dealing with fire, there’s always the chance that something could go wrong. For example, while heating and pouring your wax, you could be so focused that you don’t realize the fire that sparked up behind you. A small fire could cause hundreds or even thousands of dollars worth of damage to your materials or workshop within seconds. 

If you have employees, then there’s also the possibility of lawsuits coming from your employees. For example, one of your team members could injure themselves while making candles and try to blame you for not providing a safe working environment. 

Last but not least, financial liability claims can come from your customers. For instance, you could sell somebody a candle that melted too quickly on one side, causing the wax to leak out and damage their antique table. Hypothetically, they could then turn around and hold you responsible for replacing their $5,000 dining table. 

As long as you maintain a solid small business insurance for candlemakers, you’ll have nothing to worry about. A candle liability insurance policy (GL) can cover most of these instances so that you don’t have to pay anything out of pocket as your small business insurance for candle makers covers it.

Candle Selling Insurance: Do I need Insurance to Sell Candles?

The answer to this question is positive as well! You do need insurance to sell candles or wax melts, be it online, from home, or from your office or shop. 

There are few risks involved with candle selling that might become very costly if you don't have a basic insurance for selling candles that will cover you.   Situations that might require you to turn to insurance is when your candle shop catches fire, a client files a claim after you failed to deliver stocks on time, and when a customer complains that your candles are bad in quality. 

Candle selling insurance policy is not too expensive- especially when you compare candle selling insurance quotes online. You can opt to get it as an additional option  for business insurance you owned already. Also, there's lots of stand alone cheap candle making insurance quotes you can find online. 

What Insurance Do I Need to Sell Candles?

If you sell candles, we recommend you to get your hands on general liability insurance for candle sellers.  A general liability insurance will account for expenses resulting from these situations:

  • When an employee gets injured while working
  • When a customers suffers from an injury caused by your negligence
  • When your business is held liable for property damage

Aside from general liability, you should also opt for a product liability. Why? It's because general liability won't cover expenses resulting from a defective product. This insurance applies to the following situations:

  • When you sold a candle from a manufacturer not following government mandated health standards
  • When your candle turns out bad in quality

You might also want to get a professional liability insurance policy too. This becomes very useful if you're a candle artisan supplying large volumes of candles to candle stores.

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Liability Insurance for Candle Business and Candle Makers

Liability insurance for candle business is the most common type of insurance for crafters,artisans,candle makers, candle sellers. Liability insurance for candle makers is designed to protect your business settlements and legal expenses, as customers, employees, and even your landlord can take you to small claims court and require you to pay for injuries, property damage, or faulty products

As long as your policy is current and up-to-date, most of these claims will be paid out by the insurance provider, ensuring that you don’t face financial loss as the result of a small mistake on your part. Below are the most common types of liability insurance for candle making businesses. 

Product Liability Insurance For Candle Makers

Candle product liability insurance coverage is designed to protect your business from claims resulting from faulty products. When it comes to candles or wax melt business insurance, the most common claims that product liability insurance for candle makers covers typically involve: 

  • Wax that melts too fast or is too flammable. 

  • Popping or “exploding” candle wicks. 

  • Faulty candle base that causes the candle to fall and cause a fire. 

  • Broken glass on a candle holder that causes injury. 

Your product liability insurance policy will cover any costs that arise from these types of claims. 

Public Liability Insurance for Candle Makers

Public liability insurance for candle makers is designed to protect your business from damage caused by your business operation to members of the public, aka your customers. For example, suppose a customer gets injured in your workshop or got injured while opening your candle delivery, and that wound got infected. In that case, public liability insurance for candlemakers will cover any medical or legal bills and compensate for it. Public liability insurance is mainly included in your general liability insurance, which additionally covers the business from any claims coming from your employees, business partners, vendors and others.

General Liability Insurance for Candle Makers

Most candle makers find that a general liability policy provides the most straightforward coverage. It combines aspects of both public and general liability, handling product and third-party injury claims. Additionally, general liability insurance coverage can handle claims that arise from employees that are injured while working in your candle making workshop or retail store, as well as claims coming from business owners or vendors. 



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Candle Insurance Cost

At this point, you’re probably wondering how much candle insurance is. So to make everything easier, we’ve put together a simple table outlining the average monthly and annual candle insurance cost charged by some of the best candle business insurance providers. As you will be able to see below, candle maker insurance cost will not hurt your reserves! 

Keep in mind that your own candle makers insurance rates may cost more or less, depending on factors such as:

  • How large your shop is. 

  • Whether you sell online-only or own a retail shop. 

  • Your annual sales revenue. 

  • Your personal credit score. 

  • Past insurance claims. 

  • Do you run your own delivery operation or using a delivery company.

The numbers below will give a good idea of what to expect. The rates displayed assume that you’re purchasing a $1,000,000/$2,000,000 general liability insurance for candle-making business. 

Insurance ProviderAverage Monthly RatesAverage Annual Rates
Geico$82$984
Farmers $57$684
State Farm$67$804
USAA$54$648
Allstate$71$852
Next$63$756
Chubb$59$708
Liberty Mutual$61$732
Thimble$57$684


Wax Melt Insurance: Do I Need Insurance to Sell Wax Melts from Home?

If your business specializes in making wax melts or just selling them, you may be wondering if you need wax melt-making insurance. Generally speaking, you’ll need the same insurance for making or selling wax melts from home or from ashop exactly as you would for making or just selling candles. Overall, there shouldn’t be any considerable difference in insurance for wax melts making vs candle making insurance costs as well as candle selling insurance vs wax melts selling insurance costs. 

How to Find the Best Insurance for Candle Makers? 

Not sure where to start? If you want to find the best insurance for candle makers, your best bet is to compare candle makers insurance quotes from some of the best candle business insurance companies like Thimble candle maker insurance, Liberty Mutual candle insurance, Next candle insurance and many others. Due to the competitive nature of the insurance market, this also happens to be the best way to get cheap candle seller insurance from the best candle insurance providers. 

Get customized candle company insurance quotes and compare rates and coverage options online from the best companies and others with ease by clicking the ‘Get Quotes’ button below and completing the form! Once you complete the process, you’ll have custom quotes from top small and large candle company insurance providers from across the country, so you can choose the best policy for your business needs!

Compare Candle Business Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

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