Best Small Business Insurance
Best Small Business Insurance
Our sense of smell is a powerful tool. It can bring back fond memories and be a device of health and wellness through aromatherapy. As a candle maker, you know all too well how important this sense is. And that’s why you specialize in treating our noses to fruitful aromas.
Our noses are tuned to sniffing out trouble. We know that where others smell jasmine and sandalwood, we smell “fire” and “glass” (two potential insurance liabilities just waiting to happen).
To protect candle makers and their business, we created Thimble’s Candle Maker Insurance.
It’s no question that humans make mistakes. But when that mistake leads to a candle dropping and shattering, injuries can occur. Should this happen with one of your customers, you could be facing a bodily injury claim.
Now imagine if that dropped candle was lit. With flammable objects around your customer’s home (from curtains to carpet), a candle maker needs to be protected against third-party property damage.
On top of these scenarios, if either should occur and there are medical costs associated, they could expect you to foot the bill. And in today’s particularly litigious society, it’s not worth taking any chances. Legal defense teams charge a pretty penny, even when you believe you’re innocent in the situation.
For these reasons and more, candle makers need general liability insurance and professional liability insurance. When you partner with Thimble, you can protect your business from all the inherent risks of third-party bodily injury and property damage, as well as the medical expenses and legal defense fees that arise.
Instead of spending your time waxing poetic about insurance, let Thimble’s Candle Maker Insurance allow you to get back to waxing candles.
Each rate for Thimble’s Candle Maker Insurance is determined by a number of factors. Your individual level of risk depends on your location, the size of your crew, and the coverage limits you select. Regardless, you can be sure it’s affordable. Why?
With Thimble, you only pay for the coverage you need. So, pay by the hour, the day, the week, or the month. Plus, add as many Certificates of Insurance (COIs) and Additional Insureds as you’d like for free.
If you want to protect your small business with on-demand coverage, you can easily. Get your free candle maker insurance quote now.
Thimble’s Candle Maker Insurance includes general liability coverage to protect you in a variety of situations, such as:
Some of your big sales may come from setting up a booth at the local farmers’ market, fair, or another community event. With all the people coming and going from your booth, one of your candles could be knocked over. If this causes an injury, you could be responsible for the bodily injury claim.
3rd-party property damage
At private candle sales held in your customers’ home, you light many different candles to present your collection. Should one of these be placed too close to something flammable, you may end up with a third-party property damage claim.
Say in the property damage example above, the object that’s damaged is a one-of-a-kind. With today’s litigious society, you may be facing a lawsuit. Whether or not it was an accident, you will still have to pay for hiring legal defense.
If unsupervised children get hold of your candles, they may not use them properly. Should this lead to an injury and a hospital visit, the parents could expect you to pay the medical bills.
Errors and Omissions
If you’re teaching apprentice candlemakers the tricks of the trade, they could claim you led them astray if your training causes them financial loss once they open up shop.
Instantly. With the Thimble app (or through the website), you can go from uninsured to having a Certificate of Insurance in less than 60 seconds. Just input a few details, get a free quote, and click purchase. Your COI will be in your email inbox and on the Thimble app, ready to go.
So, should you be selected to market your candles at a nearby farmers’ market or fair, you can provide your proof of insurance in less than a minute. Plus, you can schedule your coverage to start up to 6 months in advance and, should you need to, cancel your policy penalty-free up to an hour before it begins.
It’s this flexible, on-demand coverage that makes Thimble, well, Thimble. Need additional Certificates of Insurance? Need to modify Additional Insureds? Do so for free (wherever, whenever) from the Thimble app.
In short, the answer is yes. While it’s great that the company you’re working for has business insurance, without a policy to protect your business, you could be liable for work you do outside of this company.
Additionally, you may not know the ins and outs of the specific policy your company has. Should you be named individually in a lawsuit or claim, you want to ensure that you’re covered. Otherwise, you could find the legal defense fees coming right out of your pocket.
Plus, as your business scales, you need insurance that scales with you. That’s where Thimble’s Candle Maker Insurance comes in, protecting you when you need it most. Should any third-party property damage or bodily injury claim name you, you can rest assured that you’re covered.
There are two policy limits available for candle maker insurance: $1 million and $2 million. The policy you choose should reflect the amount of risk you want to be covered against. The $2 million policy, for example, offers twice as much protection for only a marginal uptick in cost.
No. If you want to cover injuries to your staff, you should consider workers’ compensation policies. General liability insurance only covers injuries to third parties.
Also no. If you want to cover damage to equipment, you may want to consider a commercial property policy. Similarly, if you use a car specifically for work to transport your candles, then you may want to consider an auto policy.
It’s incredibly simple to get insurance with Thimble. All you need is 60 seconds and the Thimble mobile app, or if you’re on the website you can select “Get a Quote.” From there, input a few details about your candle maker business, your ZIP code, and the on-demand coverage you want (hourly, daily, or monthly). An instant quote will be generated, and once you purchase, your Certificate of Insurance will be in your email inbox and in the Thimble app instantly.
Consultants & Freelancers insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.