Yes, you must be an HSCG or IBN member in order to purchase these specific policies. While we do offer our own handmade product insurance, it is a little pricier and has more exclusions.

We worked directly with our carrier to create specialized policies that are exclusively available to HSCG and IBN members. They include additional coverages and a more flexible premium, so being a member does have its perks!

The following products and ingredients are excluded from our coverage. Please note this is not an all inclusive list of exclusions within the policy. It is important that you refer to your policy documents for exact coverages offered.

• Dietary supplements – meaning products taken by mouth that contain a “dietary ingredient” intended to supplement the diet. Including, but not limited to, vitamins, herbs, minerals, extracts, concentrates, botanicals, etc.
• Edible or ingestible products
• “Ethical pharmaceuticals”, meaning any drug, vaccine or medicine, which cannot be distributed to the general public by any means other than through the prescription of or usage by a licensed physician or medical doctor duly accredited by a recognized medical professional association, such as the American Medical Association.
• Formaldehyde, formaldehyde products, or formaldehyde‐containing materials or products
• Furniture
• Hand sanitizer not in compliance with the United States Food and Drug Administration  requirements for over‐the‐counter topical antiseptic or antimicrobial products effective on or after the date of manufacture
• Ingestible vitamins and minerals 
• Invasive body inks, dyes, or permanent cosmetics
• Inversion tables
• Liquid Fuel Gel Candles
• Nail curing lights
• Plug-in electrical products
• Products containing alcohol, except for hand sanitizer described above
• Products containing cannabidiol (CBD) or tetrahydrocannabinol (THC) — optional coverage for Topical CBD products is available to buy through your online dashboard
• Products developed with or containing human stem cells or human stem cell media
• Products or equipment implanted on or within the human body
• Products, supplements, or additives that, at any time, are recalled, including, but not limited to a  recall classified by the United States Food and Drug Administration to be a “Class I Health Hazard”, meaning a situation in which there is a reasonable probability that the use of, or  exposure to, a violative product will cause serious adverse health consequences or death, as defined in the Code of Federal Regulations, Title 21, Chapter 1, as amended
• Suppositories
• Tanning beds & equipment
• Toys (except when sold in conjunction with an eligible beauty product)

If you need product liability insurance coverage for any of the excluded products listed above, please contact us and we will do our best to help you.

Yes, most limits can be increased. We know some fairs, shows, and wholesale buyers require you to have specific liability coverage limits in order to meet their contractual insurance requirements.

Details about specific limits and prices can be found below.

General & Product Liability – You can increase your General & Product Liability Aggregate Limit from $1 million to $2 million for $55 a year. You can easily select this increase during the application process or through your online portal after a policy has been purchased.

Excess Liability – If you need higher liability limits than what can be purchased by you online, we can provide up to $5 million in additional liability limits. It will cost $500 for every million dollars of additional limits needed. For example, if you need an additional $2 million in liability coverage, it will cost $1,000 a year. To do this, you will need to contact a member of our team.

Professional Liability – If you teach, instruct, or facilitate classes or workshops as part of your business operations, you can add professional liability coverage to your policy. This coverage helps you pay for injuries and damage claims arising from, and in connection with, you acting as a teacher, instructor, or facilitator. You can add this coverage to a policy online at any time for $135 a year.

Tools, Supplies, & Inventory Insurance – (Inland Marine Insurance) This coverage can insure the tools, supplies, and inventory you use in your business for claims of theft or damages. It can also insure the property of others that is in your care, custody, or control, anywhere in the United States. The limits available through the HSCG program are:

• $1,000 per item, $5,000 Aggregate: $105/year
• $5,000 per item, $10,000 Aggregate: $121/year
• $10,000 per item, $20,000 Aggregate: $225/year
• $15,000 per item, $30,000 Aggregate: $30/year

If you need higher additional limits for any coverage on your policy, please contact us to discuss your options.

Yes, it is free to add an additional insured to your policy. There is no limit to the number of additional insureds you can add, so you can add as many as you need without any extra cost to you.

It’s important to note that an additional insured is an entity such as an event, a venue, a landlord, a retailer, or an event organizer. It is not for friends, family, or other crafters.

In most cases, yes you are covered if you sell wholesale. The one nuance here is you must be handcrafting most of your wholesale orders. If you contract another business to produce your product and ship it out to retailers, you cannot be covered. You also can’t be engaging in any excluded activities or wholesaling ineligible products.

You have to remember this is “handcrafted” insurance, so it’s intended to insure handcrafted products. You might buy organic cotton hand towels in bulk, but then you hand-dye and customize them. This could be covered! You also might have a trusted friend or family member helping you make large batches of your handmade face cream. This could be covered too.