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Insurance for soapmakers, simplified.
Why do I need a soapmakers insurance policy?
Bubble baths as a kid; scrubbing your face clean after a long day; washing your hands before holding your nephew—soap is an essential part of our lives, and it’s thanks to you, soapmakers, that everyone gets to smell as clean as they feel.
Beyond the smell, though, soap helps rid the world of unseen dangers (germs, toxins, and mold). It protects people from getting sick and spreading that sickness from one to the next.
That’s why we feel a certain kinship with soap crafters. Like you, Thimble works to protect people from unseen dangers (but instead of germs, it’s liabilities). It’s also why we created insurance for soapmakers.
When you’re selling homemade soap and body products at farmers markets, craft fairs, and festivals, you need to make sure you and your business are protected. If someone rubs their eye after touching different soap bars, there’s always a chance that this could end poorly. Just think, what if they didn’t know they were allergic to certain ingredients, such as jasmine or bramble berry? Suddenly, you could be held liable for a bodily injury claim.
Additionally, some soaps are not meant for certain fabrics. If your soap spills and stains someone’s purse or brand new outfit, you could be liable in a third-party property damage claim.
In a litigious society, these risks are heightened by the ever-present threat of a lawsuit. Legal defense costs are expensive, and if this comes attached with covering the cost of any medical expenses that were caused from a bodily injury, this could spell trouble for your business’ finances.
This perfect storm of liabilities is cleaned up by general liability insurance. This policy protects businesses against claims of third-party property damage, personal and advertising injury, and bodily injury. Plus, it can help with legal defense fees and medical expenses that arise.
Keep you and your business squeaky clean, with a little help from Thimble (and your soap too, of course).
How much does insurance for soapmakers cost?
The cost of Thimble’s Insurance for Soapmakers is based on your particular business. It depends on the level of risk, the location of your business, the size of your team, and what coverage limits you need. Ultimately though, with Thimble, you can be sure it’s affordable thanks to the nature of on-demand coverage.
What is on-demand coverage?
At Thimble, you pay by the hour, day, or month. You decide when you need coverage (and when you don’t). Plus, anytime you need to generate another Certificate of Insurance (COI) or need to add Additional Insureds, you can do so for free.
It’s that same germ-free feeling… but for your business. Get your free insurance for soapmakers quote now.
What is covered under the Insurance for Soapmakers policy?
Thimble’s Insurance for Soapmakers protects you in situations like the following:
As a soapmaker, you often sell your handcrafted soap products out of a booth. Should any part of your setup be knocked over (your table or canopy tent), this could result in an injury to a third party. You could then be liable for a bodily injury claim.
3rd-party property damage
Further, your soap booth is probably set up next to other vendors and craftsmen. If your canopy tent does indeed get knocked over, it could fall into your neighbor’s spot. Suddenly the phrase “you break it, you buy it” will seem a lot more intimidating. That’s why general liability protects against claims of third-party property damage.
After a long day of vending your soap, the walkway around your main table might be full of little bits of soap. And soap is slippery. Should this lead to an injury and then a resulting lawsuit, you will need to pay for an expensive lawyer to defend you.
On top of the legal expenses, the medical bills associated with that injury could be huge. If you aren’t properly prepared, you could end up having to pay the medical expenses yourself.
How quickly can I get a Certificate of Insurance?
Quicker than it takes to read this page. Seriously, by using the Thimble mobile app (or by clicking “Get a Quote”), you can have a Certificate of Insurance in less than 60 seconds. Input a few details about your business, review your free quote, and if it looks good, select purchase and voila. Your Certificate of Insurance will be waiting in your email inbox (or you can view it on the Thimble app).
This allows you to say “yes” to that last-second opening at the large community fair. If they want to see proof of insurance, just ask them to wait a minute. Literally. Plus, even if the event isn’t taking place for another six months, you can schedule your coverage to begin when the event does. If an hour before the coverage starts you suddenly realize you can’t make it to the event, you can cancel your policy penalty-free.
Need to add or modify Additional Insureds or get another COI? No problem. Do so for free, wherever, whenever, right on the Thimble mobile app.
This flexibility is not typically found in the insurance industry. And it’s why we’re game-changing insurance for small businesses.
The company I work for already carries business insurance. Do I need my own insurance for soapmakers policy?
As a soapmaker, yes, you need your own insurance for soapmakers policy. While it’s helpful that the company you work for has business insurance, you need to be confident your business is covered too.
It’s hard to know all the ins and outs of an insurance policy, and that’s amplified when it comes to knowing someone else’s insurance. That’s why you need to ensure your business is covered in the event that you’re not protected (like if you’re named individually in a lawsuit). Otherwise, your business’s pockets could be emptied for the right legal counsel.
Additionally, you should have your own coverage for your growing business. Thimble’s Insurance for Soapmakers can protect you from third-party bodily injury and property damage claims, as well as any medical expenses and legal defense fees needed. As a final thought: Not having your own soapmaker insurance policy is like trying to stay healthy by hoping everybody else is germ-free. Take your business’s hygiene into your own hands with Thimble.
What are the Insurance for Soapmakers policy limits?
The policy limits for Thimble’s Insurance for Soapmakers is either $1 million or $2 million. Which policy limit is right for you depends on the amount of risk you want to hedge against.
Are workplace injuries of my staff covered?
No. Your staff is not covered by general liability insurance because they are not a third party. If you want to cover workplace injuries, then you should consider a workers’ compensation policy.
Does Thimble’s Insurance for Soapmakers cover damage to my equipment?
Also no. Compared to other types of insurance, general liability insurance only covers third-party property damage. If you want to insure your soap making equipment or a business-specific car, you should consider commercial property insurance or auto insurance.
How do I get Insurance for Soapmakers with Thimble?
With Thimble, getting insured is as easy as 1-2-3. First, download the Thimble mobile app or select “Get a Quote.” Second, input a few details about your business, your ZIP code, and the coverage you want (choose between hourly, daily, or monthly), and a free quote will be instantly generated. Third, purchase your policy and your Certificate of Insurance will be waiting in both your email inbox and on the Thimble app. See? 1-2-3.
Consultants & Freelancers insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.
- AV Installation
- Business Consultants
- Car AV Installation
- Classroom Instruction
- Computer Programming
- Computer Repair
- Creative Directors
- Graphic Designers
- House Sitting
- Interior Decorating
- IT Consultants
- Marketing Consultants
- Personal Shoppers
- Photography & Videography
- Sound Recordists
- Web Developers
- Sign Installation
- Adult Film Operations
- Alarm System Monitoring
- Any acts or services performed by an unlicensed or uncertified insured if such licensing or certification is required by law
- Babysitters and Nannies
- Elderly Care
- Financial Consultants
- Financial Planners
- Home Health Care
- Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
- Investment Advisors
- Mortgage Bankers or Investment Bankers
- Registered Representatives or Brokers/Dealers of Securities or Commodities
- Rideshare Drivers
- Roadside Assistance
- Security Guards
- Traffic Control
- Training or Instruction Demonstrated on Real Patients
What's Not Covered by Your Policy
- Activities Involving Firearms
- Performing Work over Three Stories in Height (30 feet)
- Work on 10 or More New Homes or New Residential Units in Any One Project or Development
- See full policy for details