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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 make or just sell candles and stay protected from any claims, be it product, customer or even property damage claims that could come your way. Additionally, most commercial workshops or retail spaces require tenants 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! 

Cheap Business Insurance Near Me

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 too much to worry about. 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. 

These are just few examples of claims that small candle business owners are facing. As long as you maintain a solid small business insurance for candlemakers, you’ll mostly 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. But 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 these risks for you, and a candle selling insurance policy is not too expensive either - especially when you compare candle selling insurance quotes 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. However, make sure that product liability is included as part of it as well, as some carriers does not include it in their general liability insurance coverage automatically.

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candle business insurance

Liability Insurance for Candle Business & Candle Makers

Liability insurance for candle business and is the most common type of insurance for crafters as well as artisans - and that includes candle makers and candle sellers. Liability insurance for candle makers is designed to protect your business from being held “financially liable” for claims against you and your business. In the absence of candle liability insurance coverage, 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 out of pocket. 

Liability insurance acts as a type of “shield” that absorbs these claims. 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 business. 

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. 

Candle Insurance Cost

At this point, you’re probably wondering how much is candle insurance. So to make your life 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 break your bank! 

The average candle business insurance cost is about $64 per month - or $757 per year

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$976
Farmers $57$688
State Farm$67$801
USAA$54$645
Allstate$71$849
Next$63$756
Chubb$59$703
Liberty Mutual$61$732
Thimble$57$688


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 an office/shop, 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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