How Much Coverage Do You Need?

Step 2: Coverage

The next step in purchasing insurance is determining how much you need. While cost is a factor, it is vital that you pay for a policy that includes the right level of coverage and coverage limits.

While every business is different, and you may need to add insurance as you grow, below is a basic policy for coverage of soap, cosmetic and candle makers.

General Liability$ 1,000,000Aggregate
Product/Products Completed Liability$ 1,000,000Aggregate
Personal and Advertising Injury$ 1,000,000
Damage to Premises Rented to You$ 300,000
Medical Expenses$ 5,000
Business Personal Property/Inland Marine$ 5,000

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