Artisan Insurance
We understand how obsessed you are with providing the best self-care products and making a difference in people’s lives, and that’s what makes you the best. However, like any other business, developing, packaging, and shipping your products come with various risks. Manage your risks effectively and ensure your business’s best interests. Apply for a free Artisan Insurance quote today!
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Commercial General Liability
The products you make and sell can lead to 3rd party injuries and property damages. Get up to $5M coverage within Canada and $1M coverage for products exported outside Canada.
E&O Coverage
You can be liable for millions if your professional advice surrounding your skin care treatment or products causes harm to your customers. With E&O coverage, you and your services are covered.
Business Contents
As an artisan, you rely on your equipment and tools in your workshop to develop, pack, and sell your products. Get coverage for the things that matter in your workplace, including oils, mixing tanks, and pipettes.
How we work
Step 1
Complete Application
Step 2
Receive an Instant Quote
Step 3
Purchase Policy Online
FAQ
What is Artisan Insurance?
Artisan Insurance is developed for Canadian Artisans who are in the business of making self-care products like handcrafted soaps, cosmetics, lotions, perfume, scrubs, and more. This coverage package extends to costumes, jewelry, and essential oils products that are appealing and widely purchased in the self-care community.
Why do I need Artisan Insurance?
In the self-care industry, you need to protect yourself against all odds as the producer and seller of products. As a maker of self-care products, you leave yourself open to a multitude of risks like property damage or bodily injury caused by your product. With products of such sensitive nature, taking chances and leaving yourself exposed to uncovered perils can ruin your small business. Obtaining comprehensive coverage allows you to have peace of mind knowing that you have a team of experts to find a resolution to your crises.
Furthermore, it is ideal that you obtain a policy since it demonstrates your willingness to be proactive and responsible for the products you offer to the public. It also opens up opportunities for business opportunities locally, within Canada, and globally, as there are many retailers that will not carry your product unless you have insurance.
What does Artisan Insurance cover?
Artisan Insurance covers a broad spectrum of relevant things to your handcrafted products. The following are available for you to include in your policy, such as:
- Commercial General Liability (CGL): Get up to $5M CGL coverage for your business operations against cases of liability claims or lawsuits resulting from bodily and personal injury and property damage on your premise. CGL also covers Product Liability and bodily injury and property damage caused by your products, which is an essential coverage as a home-based maker.
- E&O Extension Limits: E&O, also known as Errors and Omission or Professional Liability, offers protection if your client sues you for your advice regarding what products to use for a particular condition or if they have an allergic reaction. Get extended E&O coverage up to $500,000.
- Business Contents: As an artisan, you need your tool to create your handcrafted lotions, jewellery, and other products. Protect your furniture, equipment, and other office contents from fire, theft, and other covered perils.
- Endorsements: Need to make alterations to your coverage terms? Get endorsements such as products compliance warranty, beauty products endorsement, USA jurisdiction endorsements, and more.
Who needs Artisan Insurance?
While Artisan Insurance is designed to give you and your self-care products protection, there are certain eligibility. Below are the types of sellers that are eligible for this coverage:
- Costume Jewelry Sellers ($50 max value per item)
- Body Fragrances and Perfumes Sellers
- Essential Oils Sellers
- Hair Care Products Sellers
- Cosmetics Sellers
- Balms and Ointments Sellers
- Skin Care Products – Body, Hand, and Face Lotions (including Scrubs) Sellers
- Soap and Bath Salts Sellers
However, exclusions apply for producers, manufacturers, and sellers of products including:
- Aerosol Products
- Acetone Based Products
- Drugs and Pharmaceuticals
- Permanent Cosmetics & Invasive Body Inks
- Vitamins and Supplements
- And more.
Sales of products with certain ingredients are also ineligible for coverage:
- Formaldehyde
- Parabens
- Parfum
- Petroleum distillates
- Retinoic Acid
- Sodium Laureth Sulphate
- And more.
If your profession is not on the list, contact us and we can still provide coverages for you.
How much does Artisan Insurance cost?
The Artisan Insurance cost can vary based on factors including:
- Annual and Projected Revenue
- Applicant Details
- Claims History
- Exports/E-commerce Sales within Canada or outside
- Policy Terms and Limits
- Specified Coverage
- and more
Complete your online application and get a free quote within minutes! It does not cost anything or require you to proceed with the coverage once a quote is provided.
