Soap Maker Insurance
Coverage intended for soap and bath product makers selling direct and online.
What this coverage is intended to address
- ✓Product liability for a finished soap or bath product alleged to cause harm, such as a skin reaction or irritation
- ✓Third-party bodily injury and property damage at markets, fairs, and shows
- ✓Damage to a venue or its property while you exhibit and sell
- ✓Online and marketplace sales when those channels are disclosed on the policy
Coverage products commonly considered
Most soap 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 handmade soap caused a rash and an allergic reaction. Product liability coverage is generally intended to respond to allegations that a finished product caused harm in the event of a covered claim.
- A table collapses at a market and damages a neighboring vendor's goods. General liability coverage is generally intended to address third-party property damage allegations of this nature.
Frequently asked questions
Why is product liability commonly discussed for soap makers?
Because soap and bath products contact the skin, allegations of irritation or allergic reaction are a recognized exposure. Product liability is generally intended to respond to allegations that a finished product caused harm, and general liability is intended to address incidents at the markets and shows where you sell. Coverages vary by carrier and state.
Are ingredient labels and online sales relevant to coverage?
They can be. Accurately describing your products and disclosing online or marketplace sales generally matters, because undisclosed channels and products may not be addressed in the event of a claim. A licensed insurance professional can confirm what your application should reflect.
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