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If you are a current or past HSCG member or have registered for
the HSCG website, please login before purchasing your membership.
Handcrafter Memberships in the HSCG are for those individuals who make
handcrafted soap and/or cosmetics. There are three levels of Handcrafter Memberships: Professional,
Associate and Retired. Professional Handcrafter Memberships may include insurance.
See the General Insurance FAQ
and the Canadian Insurance FAQ for more details
about the insurance. Additional information about the various membership benefits for each type of Handcrafter Membership can be found
on the Member Benefits Chart and
Handcrafter Benefits pages.
Professional Handcrafters are those individuals who make and sell their handcrafted
soap and/or cosmetic products.
The selected membership is for individuals residing in the US and INCLUDES
Product and General Liability Insurance, which is
paid for as part of the membership dues.
The selected membership is for individuals residing in Canada. It does not automatically
include insurance, but you have the option to purchase insurance at a group rate once you have
joined (does not apply to residents of Quebec).
The selected membership is for individuals who do not reside in the US or Canada.
Insurance coverage is not included with your membership.
The selected membership WAIVES Product and General Liability Insurance, on the basis
that you already have appropriate insurance coverage.
Associate Handcrafters are those individuals who make but do not sell their handcrafted
soap and/or cosmetic products... yet. An indivudal may be an Associate Handcrafter Member for
a maximum of 5 years.
Retired Handcrafters are those individuals who may make but no longer sell their handcrafted
soap and/or cosmetic products. An indivudal must have previously been a Professional member
for a minimum of 2 years to qualify for membership as a Retired Handcrafter.
Code of Ethics:
The Handcrafted Soap & Cosmetic Guild is a trade organization whose object and purpose is to:
Membership is open to individuals and businesses of the handcrafted soap and cosmetic industry.
For the purposes of this document, reference to a member of the Handcrafted
Soap & Cosmetic Guild alternates between the feminine and masculine forms and applies to both genders.
In the United States the federal agencies would be the Food and Drug
Administration and the Federal Trade Commission; state agencies may also have authority.
In other countries similar governmental bodies may exist.
The basic HSCG membership insurance benefit includes the typical insurance
coverages you will need (review insurance coverage).
However, you may increase your liability and/or business property coverage.
If you teach, you can also add Professional Insurance.
IF THE LEGAL NAME IS INCORRECTLY LISTED ON YOUR POLICY,
YOU MAY NOT BE COVERED IN THE EVENT OF A CLAIM.
Insurance Exclusions: *
The following products are excluded from insurance coverage:
Please note that this is not an complete list of exclusions. If you have questions about
coverage for a particular item or would like a comprehensive list of exclusions, please
contact Veracity Insurance Solutions, Inc. directly.
Insurance Terms: *
I REPRESENT THAT THE STATEMENTS I HAVE MADE TO PURCHASE
THIS INSURANCE ARE TRUE AND NO MATERIAL
FACTS HAVE BEEN SUPPRESSED OR MISSTATED.
I ATTEST THAT, AS OF
TODAY I HAVE NO KNOWLEDGE OF ANY ALLEGATION, CLAIM OR SUIT OR
ANY ACT, ERROR OR OMISSION, WHICH MIGHT REASONABLY BE EXPECTED
TO RESULT IN A CLAIM OR SUIT.
ANY PERSON WHO KNOWINGLY AND WITH
INTENT TO DEFRAUD ANY INSURANCE COMPANY OR ANOTHER PERSON FILES
AN APPLICATION FOR INSURANCE OR STATEMENT OF CLAIM CONTAINING ANY
MATERIALLY FALSE INFORMATION, OR CONCEALS FOR THE PURPOSE OF
MISLEADING INFORMATION CONCERNING ANY FACT MATERIAL THERETO,
COMMITS A FRAUDULENT INSURANCE ACT, WHICH IS A CRIME AND
SUBJECTS THE PERSON TO CRIMINAL AND CIVIL PENALTIES. ANY PERSON
WHO KNOWINGLY AND WITH INTENT TO INJURE, DEFRAUD, OR DECEIVE
ANY INSURER FILES A STATEMENT OF CLAIM OR AN APPLICATION
CONTAINING ANY FALSE, INCOMPLETE, OR MISLEADING INFORMATION
IS GUILTY OF A FELONY OF THE THIRD DEGREE.
THE PERSON PURCHASING
IS AN AUTHORIZED REPRESENTATIVE OF THE APPLICANT AND REPRESENTS
THAT REASONABLE ENQUIRY HAS BEEN MADE TO OBTAIN THE ANSWERS TO
QUESTIONS ON THIS APPLICATION. HE/SHE REPRESENTS THAT THE ANSWERS
ARE TRUE, CORRECT AND COMPLETE TO THE BEST OF HIS/HER KNOWLEDGE.
Policies are 100% minimum earned. No refunds will be given.
The Handcrafted Soap and Cosmetic Guild is not a licensed
insurance agent. This insurance is provided through Veracity
Insurance Solutions, LLC.
This is a Commercial General and Product Liability policy.
The base limits are:
Business Personal Property coverage includes "miscellaneous property of a floating nature".
It basically covers "tangible property you own or is in your care, custody or control", like when you
go to a show or have items on consignment in a store. The limits are:
Identity Theft coverage limits are:
The HSCG has three Benefactor Levels for those individuals who want to provide additional moretary support to the HSCG and receive special recognition:Friend ($100), Supporter ($250), and Patron ($500)
In the Handcrafted Soap and Cosmetic Directory, Benefactor Members have their logos displayed on search pages, and on result pages, Benefactor Member listings show up at the top (Patrons first, then Supporters and Friends last). In addition, Benefactor Members are also listed on the Benefactor Members page in the "About the HSCG" section of the website.
The HSCG has a referral program for members. If someone influenced your decision to
join or renew your membership, you can give him/her credit.
Please review the above information to ensure it is correct.
Your insurance information will be sent to Veracity Insurace EXACTLY as you have entered it here. PLEASE BE SURE IT IS CORRECT. Once the order for your membership and insurance is paid and completed, you will have access to the HSCG Member Insurance Portal and can manage your insurance from there.
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