If candle wax melts and stains a vintage table, a customer could blame your shop. Candle sellers can safeguard their livelihood with affordable business insurance. Insurance gives you peace of mind and financial protection against lawsuits, damaged inventory, data breaches, and other incidents.
These insurance policies cover common risks related to candle sales.
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 for their candle shop.
A general liability policy covers financial losses from customer lawsuits, such as an allergic reaction to an essential oil in a candle, or a fire started by your product.
Most states require workers' comp for candle companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy helps candle stores survive data breaches and cyberattacks. It's recommended for any shop that handles addresses, credit card numbers, or other personal information.
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.
Commercial auto insurance covers the cost of accidents involving a candle store's truck or other vehicle. Most states require this coverage for vehicles owned by a business.
It's easy to get candle business insurance if you have your company information on hand. Our insurance application will ask for basic facts about your candle store, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed agents work with top-rated U.S. insurers to fulfill your shop's insurance needs – from product liability insurance to workers' compensation, whether you work independently or hire employees.
Note that candle makers or candle manufacturing businesses may need additional coverage.