The Hartford doesn’t offer candle making insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Candle Business Insurance?
Insurance for candle makers is made up of different types of business insurance coverages designed to help protect you from the risks that come with making, packing and selling candles. Whether you're running a small candle shop or growing an online business, this insurance helps cover potential accidents, injuries, property damage and even product defects that could arise. With candle maker insurance, you can have peace of mind knowing you're better prepared to handle the challenges you may face during normal operations.
Although The Hartford doesn’t offer candle makers insurance, we can help connect you with Tivly so you can get the coverage you’re looking for.
Why Might You Need Candle Making Insurance?
Candle making insurance is a collection of coverages that helps protect you from the unique risks you face. Candle company insurance can help safeguard your business against:
- Employee injury: An employee slips while working in your studio and can’t work while they recover.
- Equipment failure: Your melting pot breaks down during production, causing delays and lost revenue.
- Product recall: A batch of candles has a defect, and you need to pull them from the shelves, costing you a significant amount in refunds and replacements.
What Candle Making Insurance Coverages Might I Need?
When it comes to protecting your candle making business, you’ll want coverage that matches your potential risks. Many candle makers start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide. It combines three types of coverage to help protect you from everyday risks:
General liability insurance helps protect your candle making business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect your owned or rented building, as well as the tools, inventory and equipment you use to operate. These can include:
- Wick setters
- Wax melters
- Scales
- Fragrance strips
- Wick starters
- Thermometers
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage caused by fire, theft or wind.
Keep in mind that a BOP won’t help protect you from every type of claim your candle business faces. So, you’ll need to get other types of coverage to create a more comprehensive insurance plan, including:
Workers’ compensation insurance to give your employees benefits to help them recover from a work-related injury or illness.
Commercial auto insurance to help cover bodily injury or property damage claims from an auto accident you or an employee causes while driving a company-owned vehicle for work.
How Much Does Insurance for Candle Businesses Cost?
While The Hartford doesn’t offer coverage to candle makers, here are the average costs our small business customers have paid for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of insurance for a candle business varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific candle business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“We had a pop-up shop in a store where a customer tripped over our display stand and sprained his ankle.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Product Liability Insurance
“A customer claimed we didn’t disclose our candle lids aren’t fireproof and sued us for the damage it caused to their home.”
Product liability insurance helps protect your business from claims that a product you made or sold caused bodily injury or property damage to someone else’s belongings.
Workers’ Compensation Insurance
“One of our team members burned his hand while pouring wax and needed several weeks off to heal.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“My driver backed up the delivery truck into a customer’s garage door.”
Commercial auto insurance can help cover property damage and bodily injury claims if you or an employee gets into an accident while driving a business-owned vehicle for work.
Commercial Property Insurance
“A storm tore part of our roof off, and the rain destroyed our workspace.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Business Income Insurance
“Vandals broke into our studio and destroyed our equipment. It took weeks to get things up and running again.”
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business can’t operate temporarily because of property damage from fire, theft, wind or vandalism.
Keep Your Future Bright With Candle Making Insurance
Protect the business you’re building. Get a quote through Tivly today.
Last Updated: April 23, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed March 2026.
3 American Society of Safety Professionals (ASSP), "Why Ergonomics Should Be at the Forefront of Worker Safety and Well-Being,” viewed April 2025.
4 Insurance Information Institute, "Commercial Property Insurance Shows Signs of Improvement, Stable Growth,” viewed April 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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