Bubbles 3 posts Oct 20, 2008 2:27 PM	Hi, Does anyone know where to get liability insurance that is not high priced in Ontario, Canada?---------- BUBBLES ~~~~~ >)))*> ~~~~~
Gord777 1 post Nov 13, 2008 6:28 AM	I've been calling around for liability insurance, and it's been $1000.00 per year. I'm told by the insurance company that $1000 is the lowest premium for this type of insurance. Just a note - I asked for this as a a rider on my home insurance, and when I told them I have a small soap making business, they're now going to cancel my tenant insurance due to the risk, unless I now buy this new policy... (which I'm not going to do) My wife was not impressed..! So if you go asking around, my recommendation is to say "I have this friend who makes candles/soap..." Good luck..! Gord
celicagtca 248 posts Nov 14, 2008 4:11 AM	Leave your email address and I'll give you a company. ---------- Celicagtca
Bubbles 4 posts Nov 14, 2008 7:03 PM	Thanks that would be great. fuddyduddy64@msn.com ---------- BUBBLES ~~~~~ >)))*> ~~~~~
Gord777 2 posts Nov 16, 2008 8:28 PM	Would you let me know as well, please..? I'm at Gord777 at hotmail Thanks..! Gord
Natasha 1 post Nov 22, 2008 8:50 PM	Hi Celicagtca, Could you please send me some info on this topic as well? fn_ali@yahoo.ca Thank you!
summerstorm 4 posts Nov 22, 2008 9:05 PM	Me too please!! summerstorm@nrtco.net
Fuchia 3 posts Nov 28, 2008 8:57 AM	I'd also like info even though I'm in BC. spiral.girl@yahoo.com
scentsuality 1 post Nov 30, 2008 4:04 PM	I would like this information too please!!! Thank you preciouscargo63@yahoo.ca
Bubbles 5 posts Dec 03, 2008 6:16 PM	Hi. I asked for a quote from N and they said $4000.00. That is way too high for a home business. 4 years ago they quoted $500.00. What's up with that? Some crafters are lucky to make even that much in a year. I find it crazy when the U.S has cheaper rates such as the Soapmakers guild. BUBBLES ~~~~~ >)))*> ~~~~~
Carnelian 16 posts Dec 04, 2008 8:12 AM	Is there a soapmakers guild in Canada? I can't believe that they are asking $1000 for insurance... I don't make any where near that with soapmaking, as it is somewhat of a hobby for me... Can anyone who got the company from celicagtca let me know who they are? I really need to get it I think... My email addy is the_earth_witch@yahoo.ca Thanks alot! Carnelian
Carnelian 17 posts Dec 04, 2008 8:13 AM	Is there a soapmakers guild in Canada? I can't believe that they are asking $1000 for insurance... I don't make any where near that with soapmaking, as it is somewhat of a hobby for me... Can anyone who got the company from celicagtca let me know who they are? I really need to get it I think... My email addy is the_earth_witch@yahoo.ca Thanks alot! Carnelian
summerstorm 5 posts Dec 04, 2008 4:53 PM	Could anyone who got the company from celicagtca please forward the information to me? Thanks
marybess 3 posts Dec 08, 2008 5:51 AM	Hello! this is my first time on the board but I have been reading this board for a long time. I have been doing soap and lotions for 3 years now. And start making soya candles for my home and friends since last June. I don't sale anything yet but I would like to start next year can someone send me the information on on the insurance from celicagtca I like to start right My email Addy is yiayia61@hotmail.com Please And Thank you
soyjoy 32 posts Dec 08, 2008 8:51 AM	Since this is not a candle supplier we are discussing and asking about, it would be allowed to post the info on this insurance company...celicagtca; why don't you just post the name and info of this insurance company, so we all don't have to ask you for it over and over and over again. Thanks.
celicagtca 251 posts Dec 09, 2008 1:10 PM	Just didn't want to pee anybody off...:) The company is called NACORA. I can't believe they quoted you $4,000.00????? My insurance is not even close to that. ---------- Celicagtca
celicagtca 252 posts Dec 12, 2008 11:04 AM	What are you manufacturing Bubbles for it to cost that much? ---------- Celicagtca
Bubbles 6 posts Dec 19, 2008 11:40 AM	I make cp soaps, hand lotions and other body care products. I have heard but not sure of this but Co-Operators might do insurance. Not sure yet as I have not tried them. Does anybody else know? I can't believe that the U.S would have such good prices and in Canada it is hard to even find companies. Hmmmm BUBBLES ~~~~~ >)))*> ~~~~~
Betty Jane 44 posts Dec 21, 2008 5:54 AM	I believe that the insurance company that the soap guild uses will insure those in Canada, just not through the guild. You could try contacting them directly and see. Stratus Insurance at beauty@stratusins.com. Betty Jane
mmllamalady 1 post Jan 17, 2009 2:21 PM	I had my house insurance cancelled by State Farm because I made soap and had "wild" animals... emu and llamas $1000. is cheap compared to quotes I've had. My email is mmllamaladyaol.com if you could send me the info.
klc 32 posts Jan 31, 2009 5:43 PM	I don't know if this helps but I make candles in my home and have a commercial insurance package through Co-operators (I live in Alberta).
simonizer 143 posts Feb 01, 2009 8:50 AM	Where in alberta are you located? Cheers
klc 35 posts Feb 02, 2009 7:33 AM	Simonizer, I live in Lloyd (about 2 hours east of Edmonton). Are you in Alberta as well?
Betty Jane 46 posts Feb 05, 2009 9:26 AM	I belong to the Handcrafted Soapmakers Guild. They are located in the US. We can join for abou $80.00 US. The members only part of the website is very informative. I would highly recommend joining. www.soapguild.org Last Edited on 5-Feb-2009 9:26 AM
Hillbilly Jake 1 post Feb 06, 2009 12:28 PM	I don't want to burst anyones bubble here but NACORA have just quoted me $5000 annual premium and the Soap Guild appear to want a US address. Any other suggestions? I sunk too much time and money into starting my business to give up now!!!
Betty Jane 47 posts Feb 11, 2009 10:33 AM	Sorry but the soap guild does accept Canadians. I know cause I am one. I went to the conference last year, and am volunteering at the one this year. Canadians Can join.
Hillbilly Jake 3 posts Feb 11, 2009 2:23 PM	I meant they cannot insure Canadians unless they have an address in the U.S. I know we can join!!
carebars 1 post Feb 18, 2009 6:40 AM	Hello All; I've been reading your submissions and I have a silly question. What does this insurance you are speaking of cover you for? Is it law to have it or just to protect yourself in case? Thanx
Betty Jane 50 posts Feb 19, 2009 4:56 PM	The soap guilds insurance company is hoping to have coverage for Canadians in place sometime this year. My broker called to ask the questions. I have separate insurance it is about $750 - $1000.00 per year. The insurance covers me against lawsuits and business loss. If you are selling your product you should have insurance. If someone has a reaction to something that you have sold them you need to be covered. I know bath and body care is not covered under your home based business rider on your home insurance.
Christina 1 post Feb 23, 2009 5:12 PM	I am currently paying $20.00 a month for my business insurance
marybess 7 posts Feb 26, 2009 9:09 AM	Hi!Christina what type of insurance you have. If you make and sale Candles or make lotions no one will cover you for $20 a month. If they you are a very lucky person. Maybe you can share the Info with us I Just got an insurance for everything for 650 a year it's a little stiff But at list I feel safe
Shan 4 posts Mar 02, 2009 10:39 AM	Hi Christina, I was going to look into just ordinary business insurance as well in hopes it would be cheaper and just as comprehensive...does yours include liability? What is it you sell? Can you give me the company info? Much appreciated! Thanks! Shan
Betty Jane 51 posts Mar 04, 2009 5:56 AM	My understanding is Business insurance and Liability Insurance is two very different things. I have to have both for my bath and body business. My business insurance covers my premises and damages to my business products. But my liability covers me against lawsuits from damages that might happen if someone is injured by a product that I have made.
marybess 8 posts Mar 04, 2009 10:43 AM	That's my understanding to you have to have both tosale or to make.
Shan 6 posts Mar 04, 2009 3:37 PM	Marybess could you share with me what company you use? Thanks a bunch!
Christina 2 posts Mar 06, 2009 11:02 AM	Alright so my since my business is run out of my home my house insurance covers and fire, flooding etc. My business insurance covers theft and against lawsuits in case a customer slips and falls etc. If you run a small business from your home there are many loop holes and you just need to find them. Your home insurance should cover a majority of things. Hope this helps.
Christina 3 posts Mar 06, 2009 11:05 AM	Oh yeah I thought I would also mention that I am getting a substantial price break because my husband and I have everything insured with the same insurance company. I think I was looking at $50+ without the breaks.
marybess 9 posts Mar 06, 2009 1:23 PM	Alright so my since my business is run out of my home my house business from your home there are many loop holes and you just need to find them. Your home insurance should cover a majority of things. Christina! your insurance might cover all of the above But does not cover B&B or Candles I know because I had the same and had to canceled, I use to pay only $259 for the year, now it's $675 a year,and Shan it is Nacora insurance
Shan 7 posts Mar 07, 2009 8:02 AM	Thanks Marybess. Christina, it does sound like you should have extra insurance in terms of liability...if you're making candles and someone burns their home down using it (despite warning labels) technically they could sue you. Or if you make soap and someone had a severe reaction the result could be the same. Now someone may never actually do that but still...just incase.
marybess 10 posts Mar 07, 2009 10:26 AM	Well said Shan You are welcome
Christina 4 posts Mar 09, 2009 7:21 AM	So I just got off the phone with my insurance company and would like to share some information with everyone. So my insurance policy does provide me with a million dollar liability coverage. And in regards to Shan's comment about the warning labels, it would be quite hard for someone to prove my business negligent if they failed to follow the proper instructions. Either way I am covered in regards to every aspect whether it be under my house or business insurance. What everyone needs to remember is that insurance companies just want you money 9 times out of 10 so I urge everyone to look around and get yourself the best deal.
Christina 5 posts Mar 09, 2009 7:23 AM	In regards to Marybess' comment my insurance company does know that I make candles out of the home and it even states that in my insurance policy so I am sorry to hear that you had to cancel yours.
Fanfan 2 posts Mar 24, 2009 2:02 PM	Christina: Can you send me the name of your insurance company? Thanks! karine@phoebeandme.com
Bubbles 8 posts Jun 15, 2009 6:07 PM	Hi Everyone, I just sent an E-mail to The Soapers Guild in the U.S. They replied this...If you become a member...Insurance is now in B.C, Canada and they are still in the process of adding (their agent)in the future more Canadian provinces. They did not sell how much the membership is with the insurance. Without insurance it is $80.00. I will be keeping my eye on this as they do have alot with their insurance for coverage. Hope this helps, BUBBLES ~~~~~ >)))*> ~~~~~
Hillbilly Jake 15 posts Jun 17, 2009 10:44 AM	The Soap Guild is well worth joining with or without insurance. ---------- Hillbilly Jake --- Windmill Hill http://www.windmillhill.ca
Betty Jane 63 posts Jun 24, 2009 4:35 AM	I am the International Chair for the Soap Guild. Membership with insurance is around the $500.00 US mark. I am not sure of the exact figure. When I was at conference this year it was stated that the rest of Canada should have insurance with the Guild by summers end. I figure that means years end. Contact me for more info if you like. Bettyjane@goddessblendssoaps.com
jm 13 posts Jul 26, 2009 11:00 AM	You may want to contact Kim Libenstein at the Canfinse Group. 888=667-9177. I think he used to be with Nacora. Anyway on the info he sent the premium for a year is $684 and it can be pro-rated. It is a Crafts,Artisans and Jewellers Insurance Program. I sold my candle making supplies last year (was too busy with other stuff) but still like to read what is going on. You can also contact him at kim.libenstein@canfinse.com and they have a website at www.canfinse.com The application is due July 31, but it looks like you can sign up quarterly, it shows the next due date as Oct 31. Anyway, thought this might be of interest to some of you. Last Edited on 26-Jul-2009 11:08 AM
caz 1 post Aug 06, 2009 4:52 AM	Kim is my contact person as well. Their policy is quite extensive, likely covers more than I need as a soapmaker, but thus far it's about the only place who has such an Insurance. Until the Soapmakers Guild arrives in Canada, we're pretty much limited in our choices.