Soap and Candle Makers Insurance - Public and Products Liability cover

Please note - At AUZi, we have two policies. A candle makers only policy, and a broader policy that covers candles, soaps and other bath and body products.

AUZi Insurance has tailored an all in one Public and Products Liability package for Soap and Candle Makers

As a soap maker, you have your FO and oil combination, your drop swirl and frosted tops perfected. If you make candles too, you will have aced your recipe to precision. Though running a soap or candle business doesn’t stop at creating the perfect product. From marketing, to admin work, ordering supplies, and selling at the markets there is a lot that goes on in between. This is why taking out a tailored insurance policy is a business essential in your industry.

Between making deliveries, picking things up from the post office, operating your selling platforms and creating a product that is used on the skin, there are several risks that your business goes through in just one day, let alone years of operation.

Public and Products Liability insurance can protect you in the event of a claim being brought against you and your business. If you are sued, the claim can be costly enough to not only put you out of business but jeopardise your livelihood.

Market Stall Insurance is included under this policy

Ingredients to make soap

But my soap and candles are poured meticulously, why do I need Insurance?

However amazing your soap or candles might be, this doesn’t remove the chance of human error. Mistakes and accidents do happen, we’re only human after all. Even with the most stringent quality control processes in place, mishaps do happen.

Though this doesn’t just relate to your end product. Consider the overall running of your business. Anything you do in the course of your business has the potential to cause personal injury or property damage whether it be caused by you, your employees or your products. Whether it happens at the market, dropping off products, or in your customers home a month after you sold your product, the risks are there. 

AUZi's role in Australia's soap and candle maker industry

AUZi operates a little differently to traditional Insurance Brokers. Rather than offering a general policy, our Brokers have done extensive research (yes, they’ve even made soap) into your industry to tailor an insurance policy that perfectly aligns with soap and candle makers.

So, you have probably already seen our Insurance Broker Bec hanging out in your community’s Facebook groups. She loves getting to know you all and learning what makes a soap or candle business tick. Bec has learned all about AICIS (previously NICNAS), compliance and even taken part in a soap making workshop (would any candle makers like to take us next?). With this insight, she has created a policy that fits your business like a glove.

What do our Customers say?

Do you run soap or candle making workshops?

AUZi has also created an insurance policy to specifically cover your soap or candle making workshops. You can read more on that policy or grab a quick quote by clicking here.

Frequently Asked Questions

As a soap maker and/or importer, you must comply with Laws, Regulations, and Standards regarding cosmetics. Soap is deemed a cosmetic by AICIS.

Thus, there are a number of Laws, Regulations, and Standards that apply to anyone making Soap.

It is best to consult a compliance expert who will guide you on compliance for soap making. You can read more on compliance here.

All suppliers (this includes manufacturers, importers, distributors and retailers) must comply with the Australian Competition and Consumer Commission’s (ACCC) mandatory standard for ingredient labelling of cosmetics.

Under Australian Consumer Law, the ACCC can take action against misleading or deceptive claims on cosmetic product labels.

We can definitely look at covering your teaching and workshop activities. For soap and candle making workshops, you can get a quote here. To get confirmation, email bec at here.

Unfortunately, no. Hand sanitiser is not a product our Insurer wishes to cover. Hand sanitiser is not regulated by the TGA.

The products that have been added to the exclusion list are products that fall outside of what we deem to be a Bath and Body product. Some of these products are deemed as cosmetics. We can accommodate those under our Cosmetic Manufacturers Policy. Some products our Insurer does not cover due to their nature and hazards.

See a full list of our supported and excluded products here.

So, what could happen as a Soap and Candle Maker?

Possible scenarios that could fall under your Product Liability Insurance.

  • Soaps – A whipped soap you made causes irritation and a severe reaction to a customers skin.
  • Candles – A candle you made explodes and causes damage to your customers home, or even worse, sets fire to the home.

Possible scenarios that could fall under your Public Liability Insurance.

  • Your customer comes to your home to pick up an order. They trip, fall and injure themselves.
  • You attend a weekend market to sell your products and someone trips at your stall.
  • Moreover, while trading at a market you could be erecting your marquee and cause damage to someone else’s property/stall.
  • You could be stocking your candles/soaps in a local hair salon when you accidentally break one of their salon mirrors.
Experimenting with ingredients for making candles

What is covered under AUZi's Soap and Candle Makers Insurance?

Australia wide cover for your Soap and Candle Making business including:

  • Public Liability – for property damage and bodily injury caused by your Soap/Candle business. 
  • Product Liability – for property damage and bodily injury caused by products you’ve supplied.

See Supported Products and Exclusions

Soap and Candle Makers Insurance options

3 month cover
Starting from $130
  • Choice of Liability limits $5,000,000, $10,000,000 or $20,000,000
Annual Cover
Starting from $308
  • Choice of Liability limits $5,000,000, $10,000,000 or $20,000,000
6 month cover
Starting from $180.40
  • Choice of Liability limits $5,000,000, $10,000,000 or $20,000,000

You will receive the lowest daily rate by choosing our Annual policy.

Don’t see your Product listed below? Please do not assume it is included/covered. Reach out to Bec today for clarification. 

If you don’t see your products here or in the excluded list, you may fit under our Cosmetic Product Makers policy. Read more about that policy here.

* As long as being sourced from local suppliers and are not being imported. Electrical Diffuser 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.

Important Information

All Products including manufactured and imported goods** must meet and comply with Australian Standards and in particular ACCC, AICIS and TGA standards. Soap makers and/or importers must comply with AICIS requirements. It is also the customers duty to understand the requirements and whether they need to be registered with AICIS to be able to import, manufacture and sell their goods. ** Goods imported into Australia need to meet the applicable standards that are determined by the government.

Excluded Products.

Included Activities
Excluded Activities
Partnered with AUZi
Implications of Cancelling your Product Liability OR Professional Indemnity Insurance Policy

Products 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.

Need more guidance?

AUZi Insurance Principle Broker Nicole Eldridge

Your Dedicated Contact

Got a question? Call our Specialist broker Nicole today on 1300 939 698 or email at Nicole will get back to you ASAP. 

Not finding exactly what you're looking for?

We’ve just recently launched our new sister company, AUZi broking. AUZi Broking is the new answer to ‘but’ and aims to be able to provide as many Australians as possible with custom, tailored policies for their specific needs.

AUZi Insurance, for example, is able to cover you if you decide to open a store-front. They cannot, however, cover you for things like glass cover, business interruption, fire etc. These are all things AUZi Broking can assist with. Our broking division can also aid with Home and Contents insurance. Click below to see.