Candle Making Business Insurance
Find the right coverage
Insureon helps you find the right candle maker insurance for your unique risks.
Get free quotes from top-rated insurance providers and advice from a licensed agent.
Call us today at (888) 219-1521 to get started.
Why do candle makers need insurance?
Candle makers could be held responsible for a fire, an allergic reaction to a scented candle, or other harm. Business insurance provides peace of mind with coverage for legal fees, medical bills, costly repairs, and auto accidents, so you can focus on your handcrafted products.
What business insurance do I need for candle making?
These insurance policies cover common risks of making and selling candles.
General liability insurance
A general liability policy covers third-party personal injuries and property risks, such as an Etsy customer who falls ill because of a sensitivity to an essential oil in a candle, or an antique table that's damaged when wax melts on it.
Best for:
- Customer injuries
- Damaged customer property
- Product liability insurance
This policy is sometimes called public liability insurance. Learn more about general liability insurance.
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together.
Best for:
- Customer bodily injuries
- Damaged or destroyed inventory
- Business interruption insurance
Learn more about a business owner's policy.
Workers' compensation insurance
Most states require workers' comp for candle making businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
Best for:
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Learn more about workers' compensation insurance.
Cyber liability insurance
This policy covers financial losses related to data breaches and cyberattacks. It's recommended for any candle company that handles credit card numbers, customer addresses, or other personal information.
Best for:
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
Learn more about cyber liability insurance.
Commercial auto insurance
Commercial auto insurance covers the cost of an accident while driving your candles to a craft fair or farmers’ market. Most states require this insurance coverage for vehicles owned by a business.
Best for:
- Delivery van accidents
- Vehicle theft and vandalism
- Vehicle weather damage
Your personal auto policy likely won't cover business-related driving, which is why you may need additional coverage. Learn more about commercial auto insurance.
Commercial umbrella insurance
This type of insurance boosts coverage on your candle business's general liability, employer’s liability, and commercial auto insurance once the policy limit is reached.
Best for:
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Learn more about commercial umbrella insurance.
How much does insurance cost for manufacturers?
The owner of a small candle making business can expect to pay less for insurance than a larger business.
Factors that affect premiums include:
- Type of products
- Business property and equipment
- Business income
- Type of coverage
- Policy limits and deductibles
How do I get candle making insurance?
It's easy to get business insurance for candle making if you have your company information on hand. Our agent will ask for basic facts about your candle business, such as revenue and number of employees.
Insureon's licensed agents work with top-rated U.S. insurance companies to find coverage that matches your business needs. You can get insurance quotes today and a certificate of insurance as soon as you buy a policy.
To get started, contact our licensed insurance specialist at (888) 219-1521.
