Candle Maker Insurance

Candle Maker Insurance

Whether you operate a candle shop or you sell products online, protect yourself against potential liabilities with candle maker insurance.

Trusted by over 300,000 Canadian small business owners!

Save up to 35% on your insurance

Get the best insurance quote in a few clicks!

Trusted by over 300,000 Canadian small business owners!
Save up to 35% on your insurance
Get the best insurance quote in a few clicks!
Get a Free Quote
Zensurance - Candle Maker

Partnerships with over 50 leading Canadian insurance providers

Candle Business Owner

Insurance for candle makers

While a candle looks (and smells) great, the little flame on top can be the cause of some big lawsuits. Customers put their trust in your candle-making expertise to create a safe and reliable product. Even if you take every precaution in the production process, there is always a risk that an accident could happen beyond your control. That’s why it’s crucial to protect yourself, your customers, and your business with candle maker insurance.

Candle maker insurance is a policy package specially designed to protect against specific risks associated with selling candles and other related products such as wax melts or incense sticks. Our insurance provides coverage for product and liability-related accidents causing third-party injuries or property damage.

Candle maker insurance describes several insurance policies that are combined to provide comprehensive coverage. Typically, candle maker insurance will include the following policies:

  • Commercial General Liability Insurance (CGL): CGL is a basic form of coverage that protects you against day-to-day risks that you may encounter while running your candle business. Such risks could be third-party bodily injury (e.g., customer injury in your store) or property damage (e.g. breaking a customer’s expensive vase while selling in their home). CGL generally covers medical fees and legal expenses, regardless of the lawsuit’s outcome.
  • Product Liability Insurance: Product liability coverage is an essential component of insurance for candle makers. This coverage can protect you against claims alleging that a product sold to a customer caused bodily injury (e.g., burns from a candle) or property damage (e.g., wax stains on fabric). Damages ordinarily covered by product liability are usually the result of a design, manufacturing, or marketing defect, such as an incorrect label or a lack of safety warnings.
  • Commercial Property Insurance: Whether you have a candle shop or a workshop within your home, Commercial Property Insurance protects your business location and the property inside from an insured event, such as a fire or theft. For example, if a fire burned down all of your inventory of candles, having Commercial Property Insurance could cover the cost to replace your merchandise. Commercial Property Insurance policies often include business interruption (a.k.a. business income) coverage, which provides reimbursement for net income lost following an insured event.
  • Cyber Liability Insurance: Cyber Liability could cover the costs associated with cybercrime involving your technology systems and customer data. For example, your online candle website experienced a data breach, and the hacker held your customers’ data for ransom. Cyber Liability Insurance can provide coverage for legal costs and damages associated with the incident.

The starting price for insurance for candle makers typically starts at $510 for Commercial General Liability with a $1M coverage limit.

We want to make sure you get the best price for your business, and that’s why we’ve partnered with over fifty insurance providers. Our providers can offer you a variety of options that’ll suit your business needs.

When you complete our online application, we will ask questions about your business that will help us determine what coverage you should have. Here are some of the main factors we take into consideration:

  • Annual and projected gross revenue
  • Types of product offering
  • Manufacturing process
  • Product pricing
  • Years of experience
  • Store size and location
  • Number of employees
  • Previous insurance claims

Any professional candle maker or business selling related products should protect themselves from common risks with a specialized insurance policy. 

We’ve helped more than 100,000 arts and crafts entrepreneurs protect their businesses; some of our clients include:

Getting insured is quick and easy!

Complete our 5-minute online application for a free candle business insurance quote.

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Common claims scenarios

Lit candle at customer's home

Problem: A customer purchased a candle with a safety warning that mentions safe to burn for up to 6 hours. About 4 hours into burning the candle, the glass container explodes, destroying their carpet.

Outcome: Your customer successfully sues your business for property damage. Your Product Liability Insurance could cover the $3,000 cost of property damage.

Customer in candle store

Problem: While a customer browses your candle store, they slip on an unattended wet floor and severely hurt their back.

Outcome: Your customer suffers a slipped disk and successfully sues you for negligence. Your Commercial General Liability Insurance may cover the $50,000 in medical expenses.

Burglar with a crowbar on the background of the shop.

Problem: After locking up your retail location for the night, your store got broken in by a thief. Multiple boxes of merchandise and candle-making equipment were stolen out of your shop.

Outcome: Your Commercial Property Insurance may cover the $30,000 in property damages and costs to replace the stolen goods and equipment.

Frequently asked questions

If I sell candles as a part-time business at home, will my home insurance cover it?

To be fully protected, you’ll likely need commercial property and product liability insurance. Your home insurance won’t cover you for product-based risks, which is a core liability when selling candles. Also, your home insurance may cover some business property stored at your home, but this may not extend to specialized equipment or merchandise.

Will my insurance premium rise if I sell candles with wicks?

Selling candles with wicks or any other ignitible candle-related product can increase the likelihood of specific risks such as a fire. There is a chance you may have a higher premium than someone who solely sells flameless candles (e.g. wax melts). That said, many other factors are taken into consideration when calculating the total cost of your Candle Maker Insurance policy.

Should I still get insurance if I sell candles online on third-party marketplaces? (e.g, Etsy, Amazon)

Yes – regardless of whether you have a store full of candles or sell candles through an online marketplace, you’re liable for the same risks as if you sold directly to customers without a third party. Our insurance policies consider your specific business requirements, so you’ll be covered for what you need and nothing you don’t.

 

 

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You’ve dedicated your professional career to light up other peoples lives with your candles; you deserve a broker dedicated to making you feel great about protecting your business.

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