Buy Or Renew Your Member Coverage Today!
Soap, Cosmetics, Jewelry, Artisan Food, Candles, Massage Therapists, Estheticians, Crafts...
How Does Program Insurance Work?
The IBN handcrafted soap and cosmetics policy is a group policy that allows each insured to have their own dedicated limits and the flexibility to customize coverage to fit their needs. This policy covers your product and general commercial liability as a handcrafted soap or cosmetic maker.
You can also add inland marine coverage for your tools and supplies, as well as excess liability for higher limits.
With Member Benefit Insurance through IBN, you receive quality insurance from an A- rated carrier, coverage in all 50 states, and 24/7 access to your policy documents. With no sales cap for eligibility, you can stay covered as your handmade business grows.
For more information regarding our other products, such as food, massage, or artists and crafters insurance, please visit our FAQ or Buy Policy page.
Handcrafted Products For The Beauty And Health Insurance Coverages
General Liability Aggregate Limit
$1,000,000*
Products-Completed Operations Aggregate Limit
$1,000,000*
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
Available to Purchase **
Excess Liability
Available to Purchase ***
*Coverage limits can be increased up to $2,000,000 aggregate.
**Inland marine coverage limits can be increased up to $15,000 for any one article, and $30,000 aggregate.
***Coverage limits can be increased up to $5,000,000 aggregate (general and product liability coverage only)
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Program Highlights
- No Quote Process
- Available in all 50 States
- 24/7 Access to Policy Documents
- No Gross Sales Cap
- Convenient Online Purchasing
- A- Rated Insurance Carrier
Why Choose A Policy With The Indie Business Network?
Comprehensive Coverage
Our coverage is designed to protect as many different aspects of your business as possible, including Personal & Advertising Injury and Damage to Premises Rented to You.
Competitive Pricing
Enjoy quality protection at an affordable price, with $1 million in coverage starting at just $275 a year, or $2 million starting at $330 a year.
Check out our FAQ page for a detailed list of what is covered. We also provide you with free Additional Insureds! If you don’t know if your product is covered under this program, contact us.
