The Hartford doesn’t offer insurance for soap makers 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 Soap-Making Insurance?
Soap makers insurance is made up of different types of business insurance coverages designed to help protect you from the unique risks you face as an artisan. Whether you’re crafting in your studio, selling at farmers markets or processing orders, this coverage helps safeguard the business you’re working hard to build.
The right type of insurance can help protect you from property damage, injury and liability claims. It can also protect your inventory, workspace, team and revenue. Although The Hartford doesn’t offer soap makers insurance, we can help connect you with Tivly, so you can get the coverage you’re looking for.
Why Might You Need Soap Maker Insurance?
Soap business insurance is a collection of coverages designed to help protect artisans from everyday challenges that could come up during normal operations. You put so much care into crafting your products, but what would happen if a customer files a claim because of a bad reaction to an essential oil or if your entire inventory is ruined by a broken HVAC system? Soap-making insurance can help cover these types of expensive incidents, so you can focus on growing your business.
Insurance for soap makers can help protect you from potential risks, like:
- Product liability: If a customer has an allergic reaction or other issue with your soap, this can help cover legal costs.
- General liability: This helps cover injuries or damages that happen at your workshop or store, like if a delivery driver trips on your stairs while bringing in supplies.
- Property damage: This can help protect your soap making equipment, inventory and workspace, so you can handle repairs and replacements faster.
Who May Need Soap Maker Insurance?
Business insurance coverage can help protect many types of soap makers, including:
- Home-based soap makers
- Handmade soap brands
- Online retailers
- Subscription box creators
What Handmade Soap Insurance Coverages Might I Need?
When it comes to protecting your soap-making business, you’ll want to ensure your coverage matches your potential risks. Many artisans start with a Business Owner’s Policy (BOP) for the peace of mind it can provide.
A BOP combines three types of coverage to help protect your business from common claims:
General liability insurance helps protect your soap-making business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, equipment, inventory and supplies you rely on. These can include your:
- Oils and lye
- Molds
- Scales
- Personal protective equipment (PPE)
- Thermometer
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by fire, theft, wind or vandalism.
It’s important to remember that a BOP won’t cover every type of claim you might face as a soap maker. You’ll need to get other types of coverage to create a well-rounded insurance plan for your business, including:
Workers’ compensation insurance to give your employees benefits if they get a work-related injury or illness.
Commercial auto insurance to help cover bodily injury or property damage claims from an auto accident your business causes while you or an employee drives a company-owned vehicle for work.
How Much Does Soap Business Insurance Cost?
Although The Hartford doesn’t offer coverage for soap makers, here are the average costs our small business customers pay 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
Keep in mind that the cost of insurance for soap makers varies because every business faces 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 soap maker business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A customer slipped while walking by my soap display, because the floor was wet from demo units I was handing out.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Product Liability Insurance
“One of our fragrance oils caused a bad allergic reaction for a customer. They sued us, saying we didn’t disclose allergen information.”
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
“My assistant hurt her shoulder while moving a large soap mold, and she needed physical therapy to properly recover.”
Workers’ compensation insurance gives your staff benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages if they can’t return to work.
Commercial Auto Insurance
“One of my employees used our company truck to pick up supplies from a vendor. While backing up into the loading dock, he swiped the side of their building.”
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
“Our air conditioning unit was leaking, causing damage to our building’s ceiling and some of the inventory we had in storage.”
Commercial property insurance helps protect your business' building, equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Business Income Insurance
“While my wax specialist was working, a fire started and quickly spread throughout the building. It ended up damaging our tools. We had to delay orders and refund customers.”
Business income insurance can help replace your lost income if you can’t operate temporarily because of covered property damage. This coverage can help pay ongoing expenses such as rent, utility bills and payroll.
Get a Quote for Soap Makers Insurance Options
Don’t let worries stifle your creativity. Get a quote for handmade soap insurance through Tivly.
Last Updated: April 27, 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 Risk & Insurance, “Water Damage Is a Leading Cause of Commercial Real Estate Claims. How Sensor Technologies Help Mitigate These Claims,” 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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