Guest guest Posted September 13, 2005 Report Share Posted September 13, 2005 Hi Folks, Does anyone have suggestions on insurance companies that cover at home makers of bath & body products? RLI is one company, but their policies do not take on additional insureds, and some stores will not carry a makers bath and body products unless the store can be covered as an additional insured in a person's insurance policy. THANK YOU!!!! Lehua Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 14, 2005 Report Share Posted September 14, 2005 Lehua, That doesn't make any sense. So, if Black and Decker or Estee Lauder had space in that store they'd have to have insurance to have their products in that store. Do you really think those two products have to have insurance to in stores? I feel it's the stores responsibility to have insurance of the contents of their store. Do you have products in any store at this time. Julia Graber Girl By Julia Julia Graber Cregger Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 14, 2005 Report Share Posted September 14, 2005 Hi Julia, Many stores insist you have insurance on your products to sell there. For example - Whole Foods requires 2 million dollars liability insurance to have body care items in their stores AND you have to name Whole Foods as a certificate holder on the policy. Lehua, Some companies that insure homes will also write commercial policies, in many cases they aren't cheap, but you might get lucky. I remember one gal telling me that she has Hartford as her home insurer and they wrote her a good business policy. *Smile* Chris (list mom) Think left and think right and think low and think high. Oh, the thinks you can think up if only you try! - Dr Seuss <http://www.alittleolfactory.com/> http://www.alittleolfactory.com On Behalf Of grabergirlbyjulia Lehua, That doesn't make any sense. So, if Black and Decker or Estee Lauder had space in that store they'd have to have insurance to have their products in that store. Do you really think those two products have to have insurance to in stores? I feel it's the stores responsibility to have insurance of the contents of their store. Do you have products in any store at this time. Julia Graber Girl By Julia Julia Graber Cregger Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 14, 2005 Report Share Posted September 14, 2005 It actually does make sense b/c if a US consumer has a problem with a product and they feel a law suit is necessary, they HAVE to include the store where they purchased the product in the law suit. I found this out recently b/c one of my favorite online snowboard stores is being sued and the reason is that a pair of bindings blew out on a racer (who quite likely will not be able to walk ever again), and in order to sue the bindings manufacturer he has to include the store where he purchased the bindings. Most likely the stores' involvement is just a formality but that is the way US legal system works for product lawsuits. So, in that light, it makes sense that stores would want products to be insured and to be included on the policy. Because if you go down, they go down with you. Another example, if you read Christine's link to the lunch box lead law suits, the organization is suing both the manufacturers and the stores where they are sold. I haven't actually gotten a quote, but my State Farm insurance agent was very helpful in helping me determine that I didn't need business insurance for my web development stuff, but he did want me to call back when I started marketed personal care items. Which this reminds me I need to do now. His name is Tom Stewart in Gresham, OR and he was really helpful and knowledgeable about business and insurance. He does our home/car and other insurance too. Whether that means he can write you a policy with the store on it is a completely different story. For business insurance, I'm not sure if it matters if the agent is in the same state, other than that an agent in your state might be more familiar with your state laws. You might want to contact a State Farm agent in your area. HTH ~Bonnie - " Christine Ziegler " <chrisziggy Wednesday, September 14, 2005 10:28 AM RE: Insurance Help Please! Hi Julia, Many stores insist you have insurance on your products to sell there. For example - Whole Foods requires 2 million dollars liability insurance to have body care items in their stores AND you have to name Whole Foods as a certificate holder on the policy. Lehua, Some companies that insure homes will also write commercial policies, in many cases they aren't cheap, but you might get lucky. I remember one gal telling me that she has Hartford as her home insurer and they wrote her a good business policy. *Smile* Chris (list mom) Think left and think right and think low and think high. Oh, the thinks you can think up if only you try! - Dr Seuss <http://www.alittleolfactory.com/> http://www.alittleolfactory.com On Behalf Of grabergirlbyjulia Lehua, That doesn't make any sense. So, if Black and Decker or Estee Lauder had space in that store they'd have to have insurance to have their products in that store. Do you really think those two products have to have insurance to in stores? I feel it's the stores responsibility to have insurance of the contents of their store. Do you have products in any store at this time. Julia Graber Girl By Julia Julia Graber Cregger Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 14, 2005 Report Share Posted September 14, 2005 I had no idea! Are they buying from you? I still think it's wrong. Julia Graber Girl By Julia Julia Graber Cregger Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 15, 2005 Report Share Posted September 15, 2005 Thank you so much for you replies in regard to the seeking insurance question! I have contacted a number for commercial insurance brokers and am waiting to see what quotes they come up with. If it were not for the fact the RLI is not able to add stores into their customers policies as additional insured's, I would go with them. They have a good deal, in Ca only about 331.00 for product liability coverage. Their policies can add in additional insured's when if the product maker is there at the location where the products are sold, but not otherwise. To get that option for adding stores into my policy as additional insured's I may have to get a much more expensive insurance policy. I am told that it may be as much as 1,400 plus 50.00 to 100.00 per additional insured. Or one can pay say 300.00 or so for a blanket which will cover a certain number of insured add ons. I'll let you know what kind of quotes I get when they come in. Thanks again! Lehua :0) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 16, 2005 Report Share Posted September 16, 2005 Which company is RLI? That sounds inexpensive to me. Gayla Roberts Always Enough Ranch Acampo, California Check out our SALE PAGE at www.bouncinghoofs.com/alwaysenoughhobbysale.html A day without Bill Barnhill is like a day without sunshine! goatclearing http://coloredboers.home.att.net/always.html No one ever gets far unless he accomplishes the impossible at least once a day. Elbert Hubbard - " Lehua Kane " <lehuasnaturaltouch Thursday, September 15, 2005 11:33 AM Re: Insurance Help Please! > Thank you so much for you replies in regard to the > seeking insurance question! I have contacted a number > for commercial insurance brokers and am waiting to see > what quotes they come up with. If it were not for the > fact the RLI is not able to add stores into their > customers policies as additional insured's, I would go > with them. They have a good deal, in Ca only about > 331.00 for product liability coverage. Their policies > can add in additional insured's when if the product > maker is there at the location where the products are > sold, but not otherwise. > > To get that option for adding stores into my policy as > additional insured's I may have to get a much more > expensive insurance policy. I am told that it may be > as much as 1,400 plus 50.00 to 100.00 per additional > insured. Or one can pay say 300.00 or so for a blanket > which will cover a certain number of insured add ons. > > I'll let you know what kind of quotes I get when they > come in. > > Thanks again! > Lehua :0) > > > > > > The information contained in these e-mails is not a substitute > for diagnosis and treatment by a qualified, licensed professional. > > > Step By Step Instructions For Making Herbal Labna Cheese! So easy, SO > yummy! > http://www.aromaticsage.com/cz.htm > > > To adjust your group settings (i.e. go no mail) see the following link: > /join > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted October 21, 2005 Report Share Posted October 21, 2005 Hi again, Any luck locating an insurance company? I was just wondering how you found the quoting process to be. I just contacted a company that will do product insurance for my herbs/infusions and toiletries, but they have asked for a four page application that has to be documented with P & L statements, business plan, product labels and catalogs -- just to get a quote!!! Is this typical? Or are they asking for the moon like I think they are?? TIA ~Bonnie - " Lehua Kane " <lehuasnaturaltouch Thursday, September 15, 2005 11:33 AM Re: Insurance Help Please! Thank you so much for you replies in regard to the seeking insurance question! I have contacted a number for commercial insurance brokers and am waiting to see what quotes they come up with. If it were not for the fact the RLI is not able to add stores into their customers policies as additional insured's, I would go with them. They have a good deal, in Ca only about 331.00 for product liability coverage. Their policies can add in additional insured's when if the product maker is there at the location where the products are sold, but not otherwise. To get that option for adding stores into my policy as additional insured's I may have to get a much more expensive insurance policy. I am told that it may be as much as 1,400 plus 50.00 to 100.00 per additional insured. Or one can pay say 300.00 or so for a blanket which will cover a certain number of insured add ons. I'll let you know what kind of quotes I get when they come in. Thanks again! Lehua :0) The information contained in these e-mails is not a substitute for diagnosis and treatment by a qualified, licensed professional. Step By Step Instructions For Making Herbal Labna Cheese! So easy, SO yummy! http://www.aromaticsage.com/cz.htm To adjust your group settings (i.e. go no mail) see the following link: /join Quote Link to comment Share on other sites More sharing options...
Guest guest Posted October 21, 2005 Report Share Posted October 21, 2005 Hi Bonnie, That sounds a bit ridiculous to get insurance (and just a quote at that). If you were looking into getting a loan with them, SURE, its what you need to do, but an insurance quote?!?!?! Go to your Yellow Pages, look under Insurance and start calling around to places that advertise commercial insurance policies. And if you're looking into RLI - call Ken at Bomba, cause he CAN get it so that you can have a certificate holder (like a big store) if necessary. *Smile* Chris (list mom) Think left and think right and think low and think high. Oh, the thinks you can think up if only you try! - Dr Seuss http://www.alittleolfactory.com <http://www.alittleolfactory.com/> On Behalf Of Bonnie Walker Hi again, Any luck locating an insurance company? I was just wondering how you found the quoting process to be. I just contacted a company that will do product insurance for my herbs/infusions and toiletries, but they have asked for a four page application that has to be documented with P & L statements, business plan, product labels and catalogs -- just to get a quote!!! Is this typical? Or are they asking for the moon like I think they are?? TIA ~Bonnie - " Lehua Kane " <lehuasnaturaltouch Thursday, September 15, 2005 11:33 AM Re: Insurance Help Please! Thank you so much for you replies in regard to the seeking insurance question! I have contacted a number for commercial insurance brokers and am waiting to see what quotes they come up with. If it were not for the fact the RLI is not able to add stores into their customers policies as additional insured's, I would go with them. They have a good deal, in Ca only about 331.00 for product liability coverage. Their policies can add in additional insured's when if the product maker is there at the location where the products are sold, but not otherwise. To get that option for adding stores into my policy as additional insured's I may have to get a much more expensive insurance policy. I am told that it may be as much as 1,400 plus 50.00 to 100.00 per additional insured. Or one can pay say 300.00 or so for a blanket which will cover a certain number of insured add ons. I'll let you know what kind of quotes I get when they come in. Thanks again! Lehua :0) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted October 21, 2005 Report Share Posted October 21, 2005 thanks for the sanity check, christine!!! i think i will call around ... we're closing on a new house at the end of next week so i'm probably just going to ping my State Farm agent about it when i set up the new home owners policy. since it's a home business, it should segue nicely! - " Christine Ziegler " <chrisziggy Thursday, October 20, 2005 6:00 PM RE: Insurance Help Please! Hi Bonnie, That sounds a bit ridiculous to get insurance (and just a quote at that). If you were looking into getting a loan with them, SURE, its what you need to do, but an insurance quote?!?!?! Go to your Yellow Pages, look under Insurance and start calling around to places that advertise commercial insurance policies. And if you're looking into RLI - call Ken at Bomba, cause he CAN get it so that you can have a certificate holder (like a big store) if necessary. *Smile* Chris (list mom) Think left and think right and think low and think high. Oh, the thinks you can think up if only you try! - Dr Seuss http://www.alittleolfactory.com <http://www.alittleolfactory.com/> On Behalf Of Bonnie Walker Hi again, Any luck locating an insurance company? I was just wondering how you found the quoting process to be. I just contacted a company that will do product insurance for my herbs/infusions and toiletries, but they have asked for a four page application that has to be documented with P & L statements, business plan, product labels and catalogs -- just to get a quote!!! Is this typical? Or are they asking for the moon like I think they are?? TIA ~Bonnie - " Lehua Kane " <lehuasnaturaltouch Thursday, September 15, 2005 11:33 AM Re: Insurance Help Please! Thank you so much for you replies in regard to the seeking insurance question! I have contacted a number for commercial insurance brokers and am waiting to see what quotes they come up with. If it were not for the fact the RLI is not able to add stores into their customers policies as additional insured's, I would go with them. They have a good deal, in Ca only about 331.00 for product liability coverage. Their policies can add in additional insured's when if the product maker is there at the location where the products are sold, but not otherwise. To get that option for adding stores into my policy as additional insured's I may have to get a much more expensive insurance policy. I am told that it may be as much as 1,400 plus 50.00 to 100.00 per additional insured. Or one can pay say 300.00 or so for a blanket which will cover a certain number of insured add ons. I'll let you know what kind of quotes I get when they come in. Thanks again! Lehua :0) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted October 21, 2005 Report Share Posted October 21, 2005 I just purchased business liability insurance from RLI. The process was quick and easy. Their coverages are flexible, and you can change as you grow. One very interesting note: the agent I spoke with said they have never had a claim from a home base bath & body products client. Someone else on this list recommended: Ashley Bustinza RLI @Home Business Protection Phone: (866) 741-6560 Fax: (309) 689-2223 That's who I spoke with and she was great. She's based in Chicago. Good luck! Holly Perry in crispy Michigan Quote Link to comment Share on other sites More sharing options...
Guest guest Posted October 21, 2005 Report Share Posted October 21, 2005 Don't count on it ! Many home owner policy's don't/won't include a home business and depending on the home owners ins, a home business isn't allowed. Paula .......... in Michigan I used to have super powers but my therapist took them away thanks for the sanity check, christine!!! i think i will call around ... we're closing on a new house at the end of next week so i'm probably just going to ping my State Farm agent about it when i set up the new home owners policy. since it's a home business, it should segue nicely! Quote Link to comment Share on other sites More sharing options...
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