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, soap and other bath and body products.
AUZi Insurance have tailored an all in one Public and Products Liability package for Soap and Candle Makers
As a soap and candle maker, you have your drop swirl and frosted tops perfected. Your combination of oils and FO measured 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.
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.
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. And whether it happens at the market, dropping off products, or in your customers home a month after you sold your product.
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.
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.
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.
Your Dedicated Contact
If you would like to discuss your cover and options with a member of our team please call our soap and candle 'Queen' Bec Innes on 1300 939 698 or email at bec@auzi.com.
Soap and Candle Makers Insurance options
3 month cover
Starting from $130.90
- 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
Popular
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.
- 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 Moisturiers
- 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
- Deoderants
- 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
- Lipbalms **
- 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 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.
- Acne Preparation
- 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
- Certain Skin Lightening Preparations
- Cleaning Products of any kinds
- Cleansers and Toners
- 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
- Exfoliators
- Furniture Polish
- Hair Care - Medical Grade Hair Treatment Products
- Hand Sanitiser
- Head lice prevention activities
- 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
- Surfboard Wax
- Washing Powder/Detergent
- Zinc
Included Activities
- Market Stalls
- Pop Up Shops
- Expos
- Retailing
- Wholesaling (subject to Insurers acceptance)
Excluded Activities
- Workshops
- Classes
- Training
Partnered with AUZi
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.