Soap and Candle Workshop Insurance
The soap, candle and body product industry is ever evolving. There are some incredibly talented makers out there who love to impart the skills within fun workshops alongside their business. So, with this demand, we’ve designed a workshop insurance policy that is a combined Professional Indemnity and General Liability policy.
This cover ensures you have the appropriate insurance to conduct the activities involved in teaching the general public how to make your products. In 2020, there are endless creations that can be made with very similar ingredients. Therefore, it is important for you to understand what is covered in all areas under this policy.
*** Please note that under our policy not all products that can be manufactured can be taught in a workshop ***
What could go wrong?
When you manufacture products, anything can go wrong. From the ingredients and the recipe, to the design and the method. Moreover, once those products are no longer in your possession, anything can happen.
So, when it comes to teaching workshops, again the same problems can occur. However, that risk increases. You’re now teaching someone all the ins and outs of the process. During, if you somehow misguide your student, or miss an important step, they could carry it on into their own small business. Should a claim and/or incident occur with their products, they will be looking to you for compensation for their financial loss. Therefore, your workshop insurance will be called upon.
Why do I need Insurance?
Workshop Insurance is not a compulsory requirement. But, when it comes to Soaps and Candle Workshops, it is an investment for the future of your business.
In the event of a claim, a consumer will want to sue you for property damage or bodily injury caused by your products or your workshops. This is where the combined Professional Indemnity and General Liability Insurance comes into it’s own.
Supported Products for Teaching
- Aroma Beads
- Bath Bombs/Fizzies
- Bath Salts
- Beard Oil
- Body Cream
- Body Exfoliants
- Body Lotions
- Body Moisturiers
- Body Mists
- Body Paint
- Body Polish
- Body Powders
- Body Scrubs
- Body Sprays
- Body Wash
- Bubble Bath
- Candles - including Soy Wax, Palm Wax, Bees Wax & Paraffin Wax
- Cold Processed Soaps
- Face Cream
- Face Masks ****
- Hair Conditioning Bars
- Hair Shampoo Bars
- Hand washes
- Hot Processed Soaps
- Hair Treatment Bars
- Lip Balms **
- Melts
- Reed Diffusers
- Room Sprays
- Shower Gels
- Soap for cleansing the hair
- Soap for cleansing the skin
- Tealight burners
- Whipped Soap
We are revising our products for teaching regularly.
Supported Products for Manufacturing
- Antiperspirants
- Aroma Beads
- Bath Bombs/Fizzies
- Bath Brushes/Sponges
- Bath Oils
- Bath Salts
- Bath Sets & Kits
- Beard Oil
- Beard Balm
- Body Butter
- Body Cream
- Body Exfoliants
- Body Lotions
- Body Mists
- Body Moisturisers
- Body Paint
- Body Polish
- Body Powders
- Body Scrubs
- Body Sprays
- Body Wash
- Bubble Bath
- Candles - including Soy Wax, Palm Wax, Bees Wax, Coconut Wax & Paraffin Wax
- Candle Holders
- Car Diffusers
- Cold Processed Soaps
- Conditioner
- Deoderant
- Electric Burners*
- Electric Diffusers*
- Electric Melt Warmers*
- Essential Oil Burner
- Face Cream
- Face Masks****
- Hair Balm
- Hair Conditioning Bars
- Hair Shampoo Bars
- Hair Treatment Bars
- Hand Washes
- Hot Processed Soaps
- Incense and Smudge Sticks
- Lip Balms **
- Lip Scrubs **
- Liquid Soap
- Massage Oil
- Melts
- Nasal Inhalers***
- Pillow Mist
- Reed Diffusers
- Room Sprays
- Shampoo
- Shower Gels
- Shower Steamers****
- Simmering Granules
- Soaps for cleansing the hair
- Soaps for cleansing the skin
- Tealight Burners
- Washing Crystals****
- Whipped Soap
* As long as being sourced from local suppliers and are not being imported. Electrical Diffusers sales must be less than 10% of turnover.
** Assuming Lip Balms sales do not count for more than 10% of turnover.
*** Subject to essential oils being used only.
**** Subject to all ingredients being natural and non-hazardous.
We are revising our products for manufacturing regularly.
Included Activities
- Workshops / Classes / Training
- Market Stalls
- Pop Up Shops
- Expos
Products Excluded from Teaching
- Acne Preparation
- Antiperspirants
- Antiseptic Cream
- Any Baby related Products including Baby Soap Bars, Baby Wash, Baby Lotion, Nappy Cream
- Any Product made for use on animals
- Any Products used to treat, heal or repair skin
- Barrier Balms, Creams, Lotions, Ointments
- Car Diffusers
- Certain Skin Lightening Preparations
- Cleaning Products
- Cleansers and Toners
- Conditioner
- Cuticle Oils
- Deoderants
- Disinfectant
- Electric Burners
- Essential Oil blending for any items that are not on the supported list
- Essential Oils used in any way other than within products listed in the supported products list above
- Exfoliators
- Hair Care - Medical Grade Hair Treatment Products
- Hand sanitiser
- Head Lice Prevention Actives
- Insect repellent, creams or sprays
- Laundry Soap / Stain remover
- Lipstick
- Nail Polish
- Oral Hygiene including Tooth Soap
- Perfumes / Solid Perfumes / Perfume Balms
- Perfumes (eau de toilette, eau de colognes, eau de parfum)
- Shaving/ Aftershave Balms, Shaving/Aftershave Lotions, Shaving Creams
- Skin Salves
- Soothing, healing or repair balms
- Sunscreen / Sun Balm / Sun Butter / Sun Paste
- Washing Powder / Detergent
- Washing Powder/Detergent
- Zinc
Products Excluded from Manufacturing
- Acne Preparation
- Antiseptic Cream
- Any Product made for use on animals
- Any Baby related Products including Baby Soap Bars, Baby Wash, Baby Lotion, Nappy Cream
- Any Products used to treat, heal or repair skin
- Barrier Balms, Creams, Lotions, Ointments
- Certain Skin Lightening Preparations
- Cleaning Products
- Cleansers and Toners
- Conditioner
- Cuticle Oils
- Disinfectant
- Essential Oil blending for any items that are not on the supported list
- Essential Oils used in any way other than within products listed in the supported products list above
- Hair Care - Medical Grade Hair Treatment Products
- Head Lice Prevention Actives
- Exfoliators
- Hand sanitiser
- Insect repellent, creams or sprays
- Laundry Soap / Stain remover
- Lipstick
- Nail Polish
- Oral Hygiene including Tooth Soap
- Perfumes / Solid Perfumes / Perfume Balms
- Perfumes (eau de toilette, eau de colognes, eau de parfum)
- Shaving/ Aftershave Balms, Shaving/Aftershave Lotions, Shaving Creams
- Skin Salves
- Soothing, healing or repair balms
- Sunscreen / Sun Balm / Sun Butter / Sun Paste
- Washing Powder / Detergent
- Zinc
Automatic Extensions covered under this policy
- Negligence or Breach of Duty of Care
- Negligent Misstatement or Negligent Misrepresentation
- Defamation, Libel & Slander
- Present or Former Principals & Employees
- Loss of or damage to Documents
Workshop Insurance provides the following features
- Protects your company against civil liability for compensation & costs arising from any claim made during the policy period arising out of a breach of professional duty.
- If you have to pay compensation to a third party who is injured and you have been found liable
- Choice of $500,000 Professional Indemnity
- Choice of limits between $5,000,000 and $20,000,000 Professional Indemnity
- Option to pay by the month
Don't risk not having the right protection in place for your business.
Implications of Cancelling your Product Liability OR Professional Indemnity Insurance Policy
Product Liability is an occurrence-based wording. This means, the insurance needs to be in place at the time the incident/injury/damage occurred for there to be a valid claim. Professional Indemnity Insurance is a Claims Made wording. This means an insurance policy needs to be in place at the time you provide the service and at the time of the claim and/or incident in order for your interest to be protected.
If you cancel your insurance today and an incident is notified and/or occurs tomorrow for a product or service you provided last week, you will not be covered. Read more on this here.
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