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Teach Soap • View topic - insurance

Teach Soap

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 Post subject: insurance
PostPosted: Mon Jan 24, 2011 7:48 pm 

Joined: Tue Apr 27, 2010 3:17 pm
Posts: 85
Just wondering, how much an average liability insurane is, to make candles and soap.
Thank you


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 Post subject: Re: insurance
PostPosted: Mon Jan 24, 2011 8:09 pm 

Joined: Sun Jan 17, 2010 12:58 pm
Posts: 206
Location: Wisconsin
You could contact your home owners/ renter's insurance company and find out. A lot of times they can add it to your policy.

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 Post subject: Re: insurance
PostPosted: Tue Jan 25, 2011 7:30 am 
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Joined: Wed Jul 08, 2009 10:27 am
Posts: 101
The rates will vary greatly depending on what you sell & your sales volume... Definitely talk to your current insurance company, & check out RLI if you anticipate under $5K a year in sales... https://www.insuremyhomebiz.com/index.asp

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 Post subject: Re: insurance
PostPosted: Wed Jan 26, 2011 12:16 pm 

Joined: Mon Jan 24, 2011 9:54 pm
Posts: 339
If you want to sell your soaps and are concerned about liability and cost, you could do what I did and start a Limitied Liability Company. Which means that if anyone ever gets a rash or something and sues you, they can't take more than the assets of the company (they can't sue you personally). Covers your butt and is probably a lot cheaper than insurance.


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 Post subject: Re: insurance
PostPosted: Wed Jan 26, 2011 1:17 pm 
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Joined: Tue Feb 19, 2008 6:41 pm
Posts: 497
Location: long island, ny
i did both. i feel much safer that way. i created an llc, and got insurance from RLI.

my yearly pemium is about $300 for a 1 million dollar liabilty coverage policy. word to the wise though, check that your insurance co will cover candles. some do not. RLI does not.

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