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.
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About the Insurance Coverage
Can I make installment payments?
Membership dues and insurance premiums must be paid in full before your membership and insurance become active. There are installment payment options avaialble through PayPal Credit (dependent upon credit approval). More information about PayPal Credit is available directly through PayPal.
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.
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.
How much does the Canadian insurance cost?
- 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