Candle Maker Insurance
Coverage built for candle makers who sell their products at shows and online.
What this coverage is intended to address
- ✓Product liability for a finished candle alleged to cause harm, such as a burn or property damage from use
- ✓Third-party bodily injury and property damage at markets, fairs, and pop-up shows
- ✓Damage to a venue or its property while you display and sell
- ✓Online and marketplace sales when those channels are disclosed on the policy
Coverage products commonly considered
Most candle maker operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A customer alleges a candle burned unevenly and scorched a tabletop. Product liability coverage is generally intended to respond to allegations that a finished product caused harm in the event of a covered claim.
- A shopper trips over a box behind your market booth and is injured. General liability coverage is generally intended to address third-party bodily injury allegations of this type.
Frequently asked questions
Why do candle makers consider product liability coverage?
Because a finished candle is used with an open flame, allegations of burns or fire-related property damage are a recognized exposure. Product liability is generally intended to respond to allegations that a finished product caused harm, while general liability is intended to address incidents at markets and shows. Coverages and eligibility vary by carrier and state.
Does selling online change my coverage needs?
It can. Online and marketplace sales are generally addressed when you disclose those channels on the application, and disclosure matters because undisclosed sales channels may not be covered. A licensed insurance professional can review how you sell.
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