Guest guest Posted January 16, 2002 Report Share Posted January 16, 2002 Hi, I know that HTN members can get liability insurance throught their web-site, hosted by Donna Maria, only thing is it's 100 dollars a year to join it. Just a thought... one I've been also tossing around - good luck Hugs, Marilyn Janet Golden wrote: > Hi All- > I am shopping for product liability insurance anyone > have any suggestions? > Janet > > ===== > Janet Golden > > > > Send FREE video emails in Mail! > http://promo./videomail/ > > > My Pictures of Aromatic Plants and Exotic Places In Turkey > http://members.home.net/chrisziggy1/triptoturkey.html > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 28, 2006 Report Share Posted November 28, 2006 >but RLI changed its policies and the new rules made many ineligible for the RLI insurance, which left them seeking new coverage options.< Do check though...many businesses do still qualify for their coverage! > Now the Handmade Beauty Network and the Handcrafted Soap Makers Guild are working together with an underwriter who will provide small fry toiletry makers with insurance.< That is wonderful! This is exactly the type of benefit a Trade Association should provide for their members. I might be mistaken, but I thought that NAHA was getting involved in that effort as well? > I did have a colleague mention to me that her home is insured by The Hartford, and they cover her home biz too, but that is available only for folks that have their home owner's insurance through them. < I've heard that before, but it usually turns out that the business is covered; as in the assets of the home based business...the computers, supplies, etc...but that is NOT the same as " product liability " insurance. Many people who think they have one, find out to their dismay they have only the other. You need BOTH if you are in business selling to the public. Sue Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 29, 2006 Report Share Posted November 29, 2006 Dear Sue, I am also a member of NAHA and I received something in the mail the other day about being able to purchase liability insurance. However, there was a catch. You would be covered only for the product that you sold the client in your home while they were receiving a session and you would also be covered if the client decided to sue you for whatever reason. That leaves me and a lot of other people out of the liability purchase. I grow, make, and sell my products to whomever wishes to purchase them. I believe what I have just written is correct but I am also going to check it out to be sure. In the meantime I wanted you to have some type of answer to your question. Good luck in your search and please share the results with the rest of us because we are all looking and in the same position as you. Rhavda Emison Scents of Success (http://www.scentsofsuccess.com) Texas Grown - American Made Rose Oil Products Mother of 2007 US Naval Academy Graduate who is going Marine Air Original Message: ----------------- CT HERB Email Tue, 28 Nov 2006 23:13:12 -0000 Re: Product Liability Insurance >but RLI changed its policies and the new rules made many ineligible for the RLI insurance, which left them seeking new coverage options.< Do check though...many businesses do still qualify for their coverage! > Now the Handmade Beauty Network and the Handcrafted Soap Makers Guild are working together with an underwriter who will provide small fry toiletry makers with insurance.< That is wonderful! This is exactly the type of benefit a Trade Association should provide for their members. I might be mistaken, but I thought that NAHA was getting involved in that effort as well? > I did have a colleague mention to me that her home is insured by The Hartford, and they cover her home biz too, but that is available only for folks that have their home owner's insurance through them. < I've heard that before, but it usually turns out that the business is covered; as in the assets of the home based business...the computers, supplies, etc...but that is NOT the same as " product liability " insurance. Many people who think they have one, find out to their dismay they have only the other. You need BOTH if you are in business selling to the public. Sue -- mail2web - Check your email from the web at http://mail2web.com/ . Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 29, 2006 Report Share Posted November 29, 2006 If anyone is a AARP member you can get it through the Hartford company at a very good price. I did and saved a lot, They have a joint program for members michael (please trim the original post, or just leave a little bit for reference - the mods) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 29, 2006 Report Share Posted November 29, 2006 > If anyone is a AARP member you can get it through the Hartford company at a very good price. I did and saved a lot, They have a joint program for members > michael I see Auto and Homeowners, Home Business Insurance, but I don't see anything about Product Liability Insurance. Are you sure they have a policy covering " products " you manufacture [i.e. soap, cosmetics, candles]? http://aarp.thehartford.com/homebusiness/index.html From the RLI site; Product Liability Insurance is a specialized business liability insurance against negligence resulting in injury from a product manufactured or sold by the insured. Sue Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 29, 2006 Report Share Posted November 29, 2006 Yes I am sure. I have a one million dollar policy, for product liability. it covers loss, damage at the farmer market, and a number of other things. The best thing I like about it . It gives you payment options from all up front or a schedule of 2 payments, three payments 6 or even monmthly. It was under $350.00 for the total the customer service phone number is 1-800-423-6789 you do have to join or be a member of AARP good luck - CT HERB Tuesday, November 28, 2006 6:12 PM Re: Product Liability Insurance > If anyone is a AARP member you can get it through the Hartford company at a very good price. I did and saved a lot, They have a joint program for members > michael I see Auto and Homeowners, Home Business Insurance, but I don't see anything about Product Liability Insurance. Are you sure they have a policy covering " products " you manufacture [i.e. soap, cosmetics, candles]? http://aarp.thehartford.com/homebusiness/index.html From the RLI site; Product Liability Insurance is a specialized business liability insurance against negligence resulting in injury from a product manufactured or sold by the insured. Sue Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 29, 2006 Report Share Posted November 29, 2006 >Good luck in your search and please share the results with the rest of us because we are all looking and in the same position as you.< I knew I heard something about them getting some kind of policy...sorry it isn't the type manufacturers need. I'm actually not looking for insurance, I used to provide the RLI information to the Soap Guild Members back when they did cover the smaller soapmaker " in-home " business customer...back when I worked for them. I'm just thrilled some other organization stepped in to fill the niche! I was aware that the President of the Soap Guild and Donna Maria from Handmade Beauty and Traci from the Botanical Elements Trade Association* were going to put their heads together about this issue when they met at the Soap Bee. I'm glad progress is being made...that will really have a positive impact on the credibility of the handcrafted manufacturer! Sue *Traci bought the Botanical Elements Trade Association from me and I learned a few days ago BETA is no longer in business. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 29, 2006 Report Share Posted November 29, 2006 Call an insurance rep that offers The Hartford. You really don't know what they can do for their home owner, business insurance rider policy until you talk to one. In my case, the would cover the in home candle making and not the cosmetics. I had to have it " specially " underwritten and there was a process to go through. That included writing out my whole candle making procedures from purchasing supplies through the making of them. Margaret ,___ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 26, 2008 Report Share Posted January 26, 2008 I looked in to this a few months back. The only policy that I could find was in the range of 4,000 US$ per year. It is a policy offered through The Hartford and I'm guessing that there are numerous agents that can sell that product any time. -al. On Jan 26, 2008 4:13 PM, Eric Brand <smilinglotus wrote: > Does anybody have any recommendations for a good contact for product > liability insurance (pertaining to herbal products)? Perhaps even any > broad ballpark impressions on the cost of insuring simple, safe herbal > supplements? Feel free to contact me offlist at ericbrandATgmail.com > > Thanks! > > Eric > > > -- , DAOM Pain is inevitable, suffering is optional. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 26, 2008 Report Share Posted March 26, 2008 Hi all. I have been using aromatherapy for my family and friends and am thinking of making and selling a few blends. However, I guess I need to get product liability insurance? Does anyone have any advice as to carriers or necessity for it? Thanks for any help. Best thoughts, Heather Demarest www.coastalenergyhealing.com Quote Link to comment Share on other sites More sharing options...
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