Compare Options
Step 5: Insurance Chart
The HSCG is proud to offer affordable insurance options to our valued members.
When reviewing options below, compare features of each plan carefully. When choosing a plan, you should consider how your business will grow in the coming year.
The HSCG encourages you to compare ouf insurance options with other coverage available to handcrafted soap, cosmetic and candle businesses.
Coverage
RLI New Business Coverage $175-$250
- General Liability
$300,000 - Product Liability
$1 million - Property Coverage
$5,000 - Soap, Cosmetics & Handmade products
Covered - Candles
No - Business Location
In-home only - Additional Insureds
$20 ea - Professional
None - Identity Theft
No - Income Cap
$5,000 - Availability
All US States - Added Fees
Broker commission usually included - Base Price + Admin Fees
$175 - $250
(depends on state)
HSCG Minimal Coverage $285
- General Liability
up to $2 million - Product Liability
up to $2 million - Property Coverage
None - Soap, Cosmetics & Handmade products
Covered - Candles
Yes - Business Location
Anywhere - Additional Insureds
FREE - Professional
Yes (Add-On) - Identity Theft
No - Income Cap
None - Availability
All US States - Added Fees
$20 admin fee - Base Price + Admin Fees
$285
HSCG Standard Coverage $390
- General Liability
up to $2 million - Product Liability
up to $2 million - Property Coverage
up to $30,000 - Soap, Cosmetics & Handmade products
Covered - Candles
Yes - Business Location
Anywhere - Additional Insureds
FREE - Professional
Yes (Add-On) - Identity Theft
Yes - Income Cap
None - Availability
All US States & Canada - Added Fees
$20 admin fee - Base Price + Admin Fees
$390
Membership: HSCG Insurance is available only to members and is purchased at the same time as membership.
Duration: Coverage runs the annual term of membership, starting and ending the same day. Members without insurance who sign up for a new membership term with insurance will receive pro-rated credit for the unused portion of the existing membership. Please contact our office – this cannot be done via the HSCG store.
Veracity Portal Access: Once purchased, the member can manage the insurance through the Insurance Portal with Veracity Insurance Solutions. The Insurance Portal allows the member to view coverage, add Additional Insureds, view or print the actual policy, etc.
