Guest guest Posted November 28, 1999 Report Share Posted November 28, 1999 Hi everyone, I have just sent some information to those people who requested it, concerning the materials I sent to the insurance company when we appealed to get back on our insurance. If anyone else would like the file, let me know. I included seven documents so I sent them as an attachment to individuals as I felt it was too long for the list. Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 28, 1999 Report Share Posted November 28, 1999 Vivian- I tried sending you the information today but it came back saying you were " over the limit " . let me know when you clear out your mail and I'll try again. Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 29, 1999 Report Share Posted November 29, 1999 Hi Jackie, Thanks for trying to send the insurance info. Could you please send it to bridport@... My address is too full for that much info. I need to transfer some things! Hope this works for you. I will be looking for it. Vivian __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 29, 1999 Report Share Posted November 29, 1999 Jackie, Please also send me that file. Thanks TC Jackie48hr@... on 11/28/99 06:32:55 PM Please respond to onelist onelist cc: (bcc: Tse Chao/JerseyCity/iNautix) Subject: Re: insurance From: Jackie48hr@... Hi everyone, I have just sent some information to those people who requested it, concerning the materials I sent to the insurance company when we appealed to get back on our insurance. If anyone else would like the file, let me know. I included seven documents so I sent them as an attachment to individuals as I felt it was too long for the list. Jackie You may subscribe to the OCD-L by emailing listserv@... . In the body of your message write: subscribe OCD-L your name. The archives for the OCD and Parenting List may be accessed by going to . Enter your email address and password. Click on the highlighted list name and then click on index. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 19, 2000 Report Share Posted January 19, 2000 In a message dated 00-01-16 08:28:15 EST, you write: << We have product liability insurance. If you are going to sell to the public you really should get it. It is not that bad and you can get it through your home agent. >> Hi, I was just wondering the approximate cost? I would love to start a small part-time soap business but, I thought the cost of insurance would be so high that I wouldn't be able to make a real profit. Any help on this would be appreciated. Thanks, Cyan Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 20, 2000 Report Share Posted January 20, 2000 Cyan, I think it all depends on what you have available in your area. I had to check with 3 different companies before I finally found somebody that would even write a policy on this. I wasn't too pleased with the price. They want $900 per year for product liablity. I don't remember how much coverage that would have given me, but I'm still mulling that price over! LOL! LS laneycrochet@... Check out my E-bay Sales: http://members.ebay.com/aboutme/craftyliza/ Get Paid to Surf the Web! http://www.alladvantage.com/go.asp?refid=glx-820 Date: Wed, 19 Jan 2000 23:10:08 EST From: Cyan451762@... Subject: Re: Insurance Hi, I was just wondering the approximate cost? I would love to start a small part-time soap business but, I thought the cost of insurance would be so high that I wouldn't be able to make a real profit. Any help on this would be appreciated. Thanks, Cyan __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2000 Report Share Posted January 21, 2000 Hi -- No, No, NO!! Don't spend that kind of money on insurance for your business!! We just got a policy from The Hartford insurance - on soaps, toiletries AND candles - for $313/year. For a LOT of coverage (probably more than we NEED right now! <g>). If anyone would like the agent's name and number (he's licensed in a number of states besides IL, where I live), e-mail me privately. Sievers Oak Court Creations, Inc. HandcraftedSoap@... Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 23, 2000 Report Share Posted January 23, 2000 www.rlicorp.com Insurance > From: Colin Gwyther <lyng@...> > > Dear Barbara, > Sorry to ask through the list, I would like more infomation on the > Insurance agent please. I tried to find you through aol but a search page > came up and when I typed in handcraftedsoaps, a listing for Carribean > handcrafted soaps was the only listing returned. > Thanks > Colin Gwyther > Lynette G, > Bath, Body, Hair and Cosmetics > 53 Sorlie Rd, Frenchs Forest, NSW, 2086 > Australia. Ph (61 2 )9975 6075 Fax (61 2) 9972 7173 > http://www.lynetteg.com.au > > --------------------------- Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 27, 2000 Report Share Posted February 27, 2000 Debra, My liability ins co. has very good rates (around $300yr), good coverage and a knowledgeable (about the home crafts industry) agent. I think " 1 toiletries " is the only list where we are not allowed to give names. It is hard to remember all the rules. If interested E-mail me privatly and I will get you his web address. Thanks, Dan Studios Retired Wee Forest Folk and the only source for Habitat Hideaway collectibles on the internet. www.cybercitymall.com Subject: Insurance >From: " Deborah Bunzendahl " <avatar@...> > >Could I get some brief info from this list about insurance? >My insurance man seems....... Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 27, 2000 Report Share Posted February 27, 2000 I would also like to know the answers to these questions. Thanks. Marling Everafter Farms, Soap & Homeschool Searcy, AR : From: " Deborah Bunzendahl " <avatar@...> : : Could I get some brief info from this list about insurance? : My insurance man seems clueless about what type of insurance : etc. : : I'd like to know: : The type of insurance (what it is called) : is it for soap making only and or toiletries? : Who holds the rider. : How much are you paying? (I know this might be to personal - : e-mail me privately if you wish) : : There could be an easier way to get this info, if you have : suggestions I would appreciate any direction. : : Thank you Debbie B. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 26, 2000 Report Share Posted May 26, 2000 RLI doesn't write policies in Louisiana, at least that's what I was told when I wrote for information. However, we're signing today for insurance through a local agency. The underwriter is Lloyds of London. They're covering our candles, bath and body products and giving us $10,000 of content coverage in my house for the business supplies that's not covered under my regular homeowner's insurance for $550. This is $300,000 of product and general liability coverage. The only other quote we got was for around $1,000 and it only gave us $100,000 of product liability. Maybe it's hard to write these policies in Louisiana for some reason??? Hope this helps someone with their insurance problems. --- Marnie & Don <bestbuds@...> wrote: > RLI is who I use too -but they wont carry for candle > making. I can find one > company but they want o charge me 500.00 a yr > instead of 250.00 =no thanks:) > > Anyone know a good company for candle insurance? > > Thanks > Marnie > > Butterflies & Wildflowers > ----------------------------------- > Pamper your mind, body & soul > With our Handcrafted Toiletries & > Delicious Homemade Chocolates. > http://wildflowers.simplenet.com > > > ===== Please visit the Practical Elegance website for all your candle, bath and body and gift needs at http://www.practicalelegance.tsx.org Don't curse the darkness--light a candle. -- Chinese proverb __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 26, 2000 Report Share Posted May 26, 2000 My coverage is for 1 million dollars. Marnie Re: Insurance RLI doesn't write policies in Louisiana, at least that's what I was told when I wrote for information. However, we're signing today for insurance through a local agency. The underwriter is Lloyds of London. They're covering our candles, bath and body products and giving us $10,000 of content coverage in my house for the business supplies that's not covered under my regular homeowner's insurance for $550. This is $300,000 of product and general liability coverage. The only other quote we got was for around $1,000 and it only gave us $100,000 of product liability. Maybe it's hard to write these policies in Louisiana for some reason??? Hope this helps someone with their insurance problems. --- Marnie & Don <bestbuds@...> wrote: > RLI is who I use too -but they wont carry for candle > making. I can find one > company but they want o charge me 500.00 a yr > instead of 250.00 =no thanks:) > > Anyone know a good company for candle insurance? > > Thanks > Marnie > > Butterflies & Wildflowers > ----------------------------------- > Pamper your mind, body & soul > With our Handcrafted Toiletries & > Delicious Homemade Chocolates. > http://wildflowers.simplenet.com > > > ===== Please visit the Practical Elegance website for all your candle, bath and body and gift needs at http://www.practicalelegance.tsx.org Don't curse the darkness--light a candle. -- Chinese proverb __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 22, 2000 Report Share Posted June 22, 2000 HI, Radha, >hi all, i have a question, i have medicaid, but that doesnt cover alot, and >no other insurance will cover me since i dont work and am not a full time >student, , i've never worked, since i've been sick since 15, now 23, do any >of u know of any insurance companies that might cover me? thanks for help I gather that you are a part-time student? Some schools allow even part-time students to purchase student health coverage; check with the administration. Since you have been sick since 15, I assume you don't have enough earning quarters to qualify for SSDI but the Soc Sec Admin has some programs for those disabled from childhood. Phone your local SSA office to find out. This is likely to include Medicare part A - you can buy part B plans if you qualify for part A, and it is the part B plans that will provide doctors office visits, Rx plan etc. depending on which plan you buy. Another potential option is to check with (my nemesis) your Blue Cross; some have gone to offering individual plans that are priced less than individual plans from for-profit insurers. One other option may be through area groups such as the Chamber of Commerce - these often provide group insurance plans for very small companies (minimum of 2 in our area, may be different elsewhere) and do not require that you be full-time or salaried. Professional societies (e.g. Writers Guild) often offer group health ins to members; you may be eligible for those (like if you have done part-time writing, or published articles in trade journals or other recognized outlets). Jerry ________________________________________________________________________ Get Your Private, Free E-mail from MSN Hotmail at http://www.hotmail.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2000 Report Share Posted July 22, 2000 I too am interested in learning about insurance in case someone claims skin damage due to using my soap. Thank you. in MN Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 13, 2000 Report Share Posted August 13, 2000 In a message dated 8/13/00 4:11:50 AM Central Daylight Time, egroups writes: << And what about insurance in case someone hollers? Is that something to consider, or is it too expensive for a beginner like me? Especially since I'm not going to be doing this on a " global " scale. >> I guess it all depends on whether you think the assets you have are worth protecting. If not, you wouldn't be bothered if someone sued you for a million dollars. On the other hand, if you are attached to the possessions you have (like your home etc), it's probably a good idea to protect yourself and your lifestyle. I personally would never risk these things, but each of us has our own value system. You can usually find such insurance that costs, when averaged over a year, only about $20.00 a month. Pretty good deal, if you ask me. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 14, 2000 Report Share Posted August 14, 2000 In a message dated 8/14/00 6:31:05 PM Central Daylight Time, egroups writes: << However, I was considering just doing it as a hobby and maybe selling at some craft shows. Do I still need insurance? I'd appreciate some imput on this. >> You can be sued as a hobbiest or a professional. Take your pick. It won't make a bit of difference to the guy who is suing you. The difference will be whether he gets your house and everything you own or money from the company who insures you. Not much a decision to me. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 14, 2000 Report Share Posted August 14, 2000 Even if you sell at Craft shows you still need a business license and I agree about the insurance. http://RLI.com/ Go to their web page and email them for home based business. They will email you back in a few days someone's name who will sell the RLI insurance in your area. Mine was $210 including million $ coverage. Joyce in Reno MrsSmitch@... wrote: > In a message dated 8/14/00 6:31:05 PM Central Daylight Time, > egroups writes: > > << However, I was considering just doing it as a hobby > and maybe selling at some craft shows. Do I still need insurance? > I'd > appreciate some imput on this. >> > > > You can be sued as a hobbiest or a professional. Take your pick. It > won't > make a bit of difference to the guy who is suing you. The difference > will > be whether he gets your house and everything you own or money from the > > company who insures you. Not much a decision to me. > ----------------------------------------------------------------------- > > ----------------------------------------------------------------------- > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 15, 2000 Report Share Posted August 15, 2000 *********** REPLY SEPARATOR *********** On 8/14/00 at 10:46 PM Joyce Lahey wrote: >Even if you sell at Craft shows you still need a business license and I >agree about the insurance. > >http://RLI.com/ Rockwell Laser Industries? after a quick search, i found http://www.rlicorp.com/products/ihb.html which is pretty concise! ~risa Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 15, 2000 Report Share Posted August 15, 2000 > <egroups> > From: " diana & steven " <bsr1508@...> > Date: Tue, 15 Aug 2000 18:44:46 -0500 > Subject: insurance > Well...I'll just jump right in here, too. I have been in business for > about three years. I had been concerned about insurance for a while, and > hearing the quotes in the $200 range from other soapers, I thought I would > investigate. I contacted RLI, got a name or two for an agent in a nearby > town. The first guy I contacted got all the info...couldn't be reached for > a couple of weeks (even though I was calling frequently) and finally > admitted he lost all the info I had provided him...I gave it to him > again...and he avoided my calls for another couple of weeks..so I figured he > really didn't want my business. The next guy I called laughed at me...he > said insurance of this type would cost more than I was making in a year. > The third guy I called said he would look into it for me....and three months > later, I still don't have a firm quote...although it would be in the range > of $400. > > In my quests for insurance, I have found that even insurance from the same > company might cost differently for soapers in other states...insurance rates > vary from state to state, region to region. The cost will also differ > depending on your income. And on they type of products you make (cp soap > will be more expensive to insure than mp soaps). > > I am still seeking insurance...the last agent I contacted said he would have > me a quote, if not a policy, by the end of the week....I won't hold my > breath. > > Bell > Bell Spring Products > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 15, 2000 Report Share Posted August 15, 2000 Question.... For those who have insurance...were you asked to give all your products and all the ingredients to the company so they may analyze each product? They also are asking for any future products and their ingred. as well. Is this the correct procedure? Thanks Madelyn > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 22, 2000 Report Share Posted August 22, 2000 At 09:35 AM 8/16/00 +0000, you wrote: >alpha1@...> >Subject: Re: insurance > >Question.... > >For those who have insurance...were you asked to give all your >products and all the ingredients to the company so they may analyze >each product? They also are asking for any future products and their >ingred. as well. Is this the correct procedure? > >Thanks >Madelyn Hi Madelyn, I didn't have to give any " specific " information about my product line to my insurance company. I have insurance from RLI through a local Insurance company. I'm covered as a soap maker....they wouldn't touch me if I did candles. They don't care what " process " I use to achieve my finished product. I would NEVER disclose my recipes or any trade secrets....neither should you (grin). Makes me suspicious that they'd ask you something like that. Hope I could help . If you have more questions.....just ask :-D Laurie Luscious Lathers Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 1, 2001 Report Share Posted February 1, 2001 In a message dated 1/31/01 1:36:35 PM Pacific Standard Time, writes: << what if someone gets a rash or is allergic to a homemade bath and body product? I mean, what if I sell some bubble bath on an eBay auction and someone buys it and uses it, then sues me because they've broken out into a large, painful rash on their whole body??? By >> Well your local insurance agent will help with that. Everyone that sells to the public should be covered by insurance. If your ingredients are posted and they know they are allergic its at their own risk. I have had people break out from my products when I used cinnamon (BTW don't try this at home!) as a fragrance for a holiday spice. I happily exchanged for a different fragrance and gave them an extra bar of soap or a bath bomb and they were tickled. Good customer service is very imporatant if your gonna go into this e world. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 2, 2001 Report Share Posted February 2, 2001 I am sure that most insurance companies have a small business owner plan. My insurance is with Nationwide and covers not only product liability issues (ie. rashes, allergic reactions, etc.), but also accounts receivables, inventory, shipping coverage to the point of destination, database or intellectual property (for instance, information lost due to disk crash)and office equipment, etc. There is a minimum coverage package which may be overkill for some businesses, but it is worth taking a look at it. ===== Regina Body Essentials, Inc. www.bodyessentialsinc.com rgsparker@... __________________________________________________ Get personalized email addresses from - only $35 a year! http://personal.mail./ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 1, 2001 Report Share Posted March 1, 2001 I haven't had one yet. I will keep hoping I am fortunate, or pay for it when it happens. Donna Re: Re: Cobra insurance coverage I have never had health insurance and I am 50 years old. I can't imagine anything I would want it for. ~~~~~~~~~ An accident? OxyPLUS is an unmoderated e-ring dealing with oxidative therapies, and other alternative self-help subjects. THERE IS NO MEDICAL ADVICE HERE! This list is the 1st Amendment in action. The things you will find here are for information and research purposes only. We are people sharing information we believe in. If you act on ideas found here, you do so at your own risk. Self-help requires intelligence, common sense, and the ability to take responsibility for your own actions. By joining the list you agree to hold yourself FULLY responsible FOR yourself. Do not use any ideas found here without consulting a medical professional, unless you are a researcher or health care provider. You can unsubscribe via e-mail by sending A NEW e-mail to the following address - NOT TO THE OXYPLUS LIST! - DO NOT USE REPLY BUTTON & DO NOT PUT THIS IN THE SUBJECT LINE or BODY of the message! : oxyplus-unsubscribeegroups oxyplus-normalonelist - switch your subscription to normal mode. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 23, 2001 Report Share Posted April 23, 2001 Anyone have a good insurance company for soap businesses? Quote Link to comment Share on other sites More sharing options...
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