Frequently Asked Questions

Increased Liability – The Minimal Coverage plan includes a $1 million per occurrence and $1 million aggregate liability limit. You can get increased liability by opting for the Standard Coverage plan that increases the aggregate limit to $2 million. This option is available because some fairs, shows, and wholesale buyers require $2 million in general liability coverage. When you sign up, you can purchase the Standard Coverage plan for an additional $55 a year.

Excess Liability – If you need more than $2 million in liability coverage, you can purchase excess liability insurance during checkout or from your online dashboard. It costs $500 for each additional $1 million limit, and you can buy up to $5 million in excess liability. Anything more will require an underwriting review.

Professional Liability – If you teach soapmaking in a professional capacity in addition to your product sales, you can add professional liability coverage for claims that your instruction caused damage or liability related to your instruction. The cost of the professional liability insurance endorsement is $135 per year.

Additional Inland Marine Insurance – If you need additional inland marine coverage for your business personal property (tools and equipment), you can increase the base limits:

• Up to $10,000 for $121/year
• Up to $20,000 for $225/year
• Up to $30,000 for $310/year

If you need inland marine insurance limits above $30,000, contact Veracity Insurance to apply for more coverage.

Soaps, lotion, bath salts, perfume, essential oils, fragrances, candles, jewelry, clothing, fragrance oils, base oils, waxes, powders, masks, scrubs and just about anything else that is used to beautify the body, the home or the environment and is handcrafted. This list is not a full list, but a representative sampling of the kinds of products covered.

Pet products are covered if they are handcrafted by you. If they are made elsewhere and repackaged by you, or you buy them in bulk and repackage them, they are not covered by this program.

Coffee, tea and other consumables are covered only if they are prepackaged and sold in a set (such as a gift basket) in conjunction with handcrafted items that are covered as above. If they are sold separately, they are not covered.

Except as noted above, the policy does not cover:

Drugs or medicines, pharmaceuticals, vitamins or supplements, invasive products, suppositories or ingestible nutraceuticals, any product requiring a prescription, children’s toys, aerosol products, acetone based products, permanent cosmetics and/or invasive body inks, ingestible food products (anything to be eaten), coffee and tea, any product containing cannabidoil (CBD), any product containing talc, alcoholic products, ingestible hemp products, plug-in electrical products, and electrical products.