Business Insurance for Candle Makers and Sellers

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Candle Shop
A batch of homemade candles in glass jars.
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Why do candle makers need insurance?

If wax melts and stains a vintage table, a customer could blame your shop. Safeguard your livelihood with affordable insurance that covers lawsuits, theft of inventory, and other incidents.

A candle maker placing wicks in candles.
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Find affordable coverage

With Insureon, candle makers can compare free quotes from top-rated insurance companies.

A licensed insurance agent will review your quotes and help you find affordable policies that match your risks. Fill out our easy online application to get started.

What types of business insurance do candle makers need?

These insurance policies cover the most common risks of candle making.
Business owner’s policy icon

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.

  • Customer bodily injuries
  • Candle inventory damage or theft
  • Business interruption insurance
General liability insurance icon

General liability insurance

A general liability policy covers third-party injury and property risks, such as a customer who falls ill because of a sensitivity to an essential oil in a candle, or a fire started by your product.

  • Customer injuries
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Cyber liability insurance icon

Cyber liability insurance

This policy helps candle makers survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts coverage on your candle shop's general liability, employer’s liability, and commercial auto insurance once the policy limit is reached.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers the cost of accidents involving a candle maker's truck or other vehicle. Most states require this coverage for vehicles owned by a business.

  • Delivery van accidents
  • Vehicle theft and vandalism
  • Vehicle weather damage
Looking for different coverage? See more policies.

How much does candle maker insurance cost?

Retailer with a clipboard calculating the cost of business insurance.

A small candle making business with just a few crafters will pay less for insurance than a large store.

Factors that affect premiums include:

  • Types of products offered
  • Business property and equipment
  • Candle sales revenue
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get candle making insurance?

It's easy to get candle making business insurance if you have your company information on hand. Our insurance application will ask for basic facts about your candle business, such as whether you sell at craft shows and fairs, Etsy, or farmers' markets. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. insurers to find coverage that matches your candle business needs – from product liability insurance to workers' compensation, whether you work independently or hire employees.

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