Insurance for your candle business
Customisable and stress-free business cover for makers of candles and wax melts. Get protected in just 10 minutes and enjoy 5-star customer service and claims support.
Candle makers' insurance quote from £7.95 a month
10% of home crafters, including candle makers, paid £7.95 a month or less for their Superscript business insurance between January and March 2023.
Do you need insurance for a candle business?
There's something special about blending scents and pouring wax to create something unique and relaxing, especially if you've built your candle company from the ground up.
Our business insurance for candle and wax melt makers is designed to protect your company's finances and brand reputation if something went wrong.
Superscript offers a wide range of relevant covers that safeguard your business from the risks that could affect it the most. Simply select 'home crafts' when starting your quote.
- Pick the covers you need, leave the ones you don't
- Enjoy 5-star customer service and claims support
- Add or remove covers and adjust your limits, with no extra fees
- Pay monthly or annually, it’s your choice
What insurance should candle businesses consider?
Whether you own a candle shop, distribute candles from your home, or regularly sell at craft fairs, it's important to have exactly the right cover. As you go through our quote builder, you'll be able to choose the covers you want, but here are a few that most candle and wax melt businesses find suitable.
Public liability insurance
If you interact with customers, couriers or suppliers face-to-face you might want to consider public liability insurance. It covers claims of accidental injury or property damage as a result of your business from members of the public.
Some suppliers, wholesalers or even customers may require you to have this type of cover in order to do business with you.
Product liability insurance
Product liability is similar to public liability insurance because they both cover claims of accidental injury and property damage. But while public liability covers claims relating to your business activities, product liability covers claims relating to any products you sell, supply or manufacture.
This is especially important with candles as they are considered a hazardous product. Even with a warning label, if a customer blames your product for a house fire, you could still be taken to court, which could end up costing you a lot of money in legal fees.
Employers' liability insurance
most businesses in the UK that employ any staff (whether they're full-time, part-time, contractors or even volunteers) are legally required to have employers' liability insurance. As an employer, it's your responsibility to protect the health and safety of your employees. If one of your workers suffered an accidental injury, illness or property damage as a result of working for you, they might want to claim compensation. If this happened, employers' liability would cover the legal fees and compensation costs associated with the claim.
If you work with sensitive client information or store personal or financial customer or client details, you might want to consider cyber insurance. It offers financial and specialist support in the event of a data breach.
Business equipment and stock cover
As a candle business, you'll likely invest a large chunk of money in supplies for your stock as well as tech such as laptops, phones, EPOS systems or printers to run your store smoothly. If these items were lost, stolen or damaged, it not only puts a spanner in the works but can prevent you from getting those all important sales.
Business equipment insurance and stock cover are made to protect these items, ensuring they're repaired or replaced after an insurable incident, so you can continue selling without a hitch.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
Do you sell your candles online?
If you sell your candles via the internet and not from a physical shop, then you may need cover that's a little different.
That's why we've put together a new, customisable online retail insurance product to cover the unique risks associated with selling your products online.
Candle company insurance claims
The risks that could result in a claim are different for every business, but here are a few examples of claims where the business could be liable.
A slip and fall
A supplier is delivering heavy boxes of wax to your home or warehouse and they slip on the freshly mopped floor, hurting their arm. Public liability insurance can cover the legal and compensation costs associated with the claim.
A house fire
A customer who you've sold a candle to knocks it over while it's burning, causing a small house fire. While it is not your fault, the customer wants to take you to court. Product liability insurance can also cover this claim.
An employee is packing up orders and accidentally slices their hand with a box cutter. They want to make a claim against you for lack of training. Employers' liability insurance can cover the legal and compensation costs associated with the claim.
A break in
Someone breaks into your locked store during the night, stealing a laptop and company phone. Business equipment insurance can cover the cost to replace these stolen items, with a limit of up to £10,000 and a single item limit of £2,500.
How do claims work?
Notify us of the claim
Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything which you think may be covered by your insurance.
A good indicator of whether or not to let us know is if there's an issue which may require a payment to be made on your behalf.
We'll get on the case
We'll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you'll receive email confirmation of your claims reference and contact information should you need to speak to us.
We will then reach out to you within 48 hours to request any extra information we need to progress your claim.
We'll keep you updated on the next steps as the claim progresses.
A decision is made
We'll let you know if your claim is successful or not. If your claim isn't covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.
If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within five working days.
Meet our claims team
This is Laura, a qualified insurance lawyer and our in-house claims manager here at Superscript. Hi, Laura!
If you are making a claim for lost, stolen or damaged equipment, then Laura and her expert team will ask you as little as six quick questions, such as 'when and how was the item damaged?' and 'do you have proof of purchase?'.
Once you've answered the questions, they can then begin to resolve your claim and send your payment for processing that very same day!
If your claim is for legal or compensation costs, then Laura and her team will handle the process for you and keep you updated every step of the way.
Candle making insurance FAQs
While it's not a legal requirement, it's recommended that you purchase online retailer insurance to safeguard your online shop just in case something goes wrong. If it did, you wouldn't be protected for a claim and would have to cover the legal and compensation costs out of your own pocket.
Unless you have employees, you're not legally required to buy insurance to make and sell wax melts. However, because of the hazardous nature of the product, it's recommended for sellers to buy product liability insurance to protect their business in case the wax melts caused injury or property damage to a customer.
If you have employees, in all but a few exceptional circumstances, you are also legally required to have employers' liability insurance. And many businesses also choose to buy public liability insurance to protect themselves from claims involving a third party.
It's important to buy business insurance before you start interacting with the public as a business, selling your products or as you hire your first employee. This will ensure you're covered for the risks that could affect your business from the offset.
If you sell candles or wax melts out of your house, it's important to consider the risks that could still affect your business.
This could include your products causing injury or property damage to customers (which would require product liability insurance or someone breaks into your home and steals the laptop you use for your business as well as your candle-making supplies (which would require equipment and stock covers).
It's super easy to get cover for your candle company with Superscript. Simply click on 'Start your quote' and follow the steps.
Our candle business customers are classed under 'Home crafts' when selecting the main business activity. Once selected, you'll be offered all the relevant covers needed for your candle business.
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