Question by Small Time Bath&Body Company: I need to find product liability insurance for bath & body products. This is a home based business.?
Products made and sold are handmade soaps, lotions, creams, etc. This is a Retail and Wholesale business. Must find reasonable general liability and PRODUCT liability for my growing business. Business is home based. I know there is coverage available, but I am not having luck finding it. Any help appreciated! Desparate!
I am already doing this. However, I am coming up empty handed. All the agents either don’t want to take the time to find coverage or companies are just not offering the coverage for my typre of product.
Is it possible to get a general liability coverage policy and then get a separate policy, say through Lloyds of London, for the Product Liability?
Answer by trailerville
The best start would be to look in your local yellow pages for an insurance agent that deals with businesses. Having a business exposes you to all sorts of different issues that you may need insurance for. You also want to be sure that your homeowners insurance company is aware of the business and will cover your exposure for your home. For simple homeowners or auto insurance it may make sense to just write a policy direct through a company, but for businesses I would recommend searching for an agent in your area and they can often do all of the leg work for you.
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