Canadian Insurance FAQ

The following are the most frequently asked questions about the member benefit insurance offered by the HSCG for Canadian soap and cosmetic handcrafters. Additional information about coverages and what they mean can be found in the General Insurance FAQ.

Click any question to display the answer, or view all answers.

If you have a question that is not answered here, contact Veracity Insurance at or (toll free) (888)-568-0548.


General Insurance Information

The HSCG is a trade association focused on providing their members with resources in helping their business grow. As part of the membership to the HSCG, members have access to several discounted products including liability insurance. The HSCG does not sell insurance or receive any commissions on insurance purchased by members.

An HSCG Soapmaker Member who resides in Canada, except Quebec. Also, in order to qualify more than 80% of your sales must come from handcrafted items.

The insurance company was not able to obtain the necessary licenses to offer coverage in the the province of Quebec, due to the stringent requirements of the local government.
Yes, the Canadian insurance is optional.
Just join the HSCG as a Canadian Professional Soapmaker Member (and be located anywhere in Canada except Quebec). Once your membership is processed (usually within 1 business day), you will receive an email with directions on how to sign up for the insurance. The insurance application needs to be submitted within 48 hours.
The cost is C$400 per year, inclusive of a policy issuance fee of C$50.
There is also an additional tax in several provinces on insurance premiums and/or the policy issuance fee as follows:
  • Ontario, 8% Premium Tax of C$28.00, 13% Harmonized Service Tax on fee of C$6.50
  • British Columbia, Alberta, Saskatchewan, Nova Scotia, prince Edward Island, Newfoundland, and New Brunswick: 5% Harmonized Service Tax on fee of C$2.50
  • Manitoba 7% Premium Tax of C$24.50, 5% Fee Tax of C$2.50

About the Insurance Coverage

You can contact the broker.
The insurance is provided by Great American Insurance Company.
The insurance broker is Steer Insurance Brokers & Consultants, a licensed insurance broker located in Canada.

No. The membership dues and insurance premium must be paid in full before your membership and insurance become active.

No. The policy becomes effective as soon as payment is processed when you join HSCG. The policy will cover you for a year in exchange for payment in advance of the policy premium. You may choose to renew it or not when it expires, but it is in place for a year and the premium is not refundable.

Insurance Notice: The Handcrafted Soap & Cosmetic Guild, Inc. is not authorized nor licensed in any state or country to provide any kind of insurance. The HSCG merely collects the premium for Veracity Insurance, in accordance with the requirements set forth by Veracity Insurance and Great American Insurance Group. A new HSCG member's product liability insurance becomes effective immediately upon processing of the membership application in the HSCG. The HSCG cannot and will not answer any questions about product liability insurance provided other than the questions contained in the posted "Frequently Asked Questions" (FAQ) (above). If you have questions about the insurance products offered to HSCG members, your existing policy and how it may or may not be impacted by joining the HSCG, or other insurance options available to you, contact Veracity Insurance at or (toll free) 888-568-0548.

As always, questions about the HSCG and our member benefits should be directed by email to or phone to (866) 900-7627.