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Frequently Asked Questions

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Our handcrafted soap and cosmetics program covers products such as handcrafted lotion, soap, bath salts, perfume, essential oils, fragrances, candles, jewelry, some clothing (check first), fragrance oils, base oils, waxes, powders, masks, and scrubs.

Candies, cookies, and brownies are covered only if they are sold in a set (such as a gift basket) in conjunction with covered cosmetics. If they are sold separately from covered cosmetics, they are excluded.

Other exclusions include: Drugs, pharmaceuticals, vitamins or supplements, invasive products, suppositories, or ingestible nutraceuticals; any product requiring a prescription, any product containing cannabidiol (CBD), any product containing talc, children’s toys, alcoholic products, ingestible hemp products, plug in electrical products, aerosol products, acetone-based products, permanent cosmetics, invasive body inks, ingestible food products (unless sold in a set (such as a gift basket) in conjunction with cosmetics that are covered), coffee and tea, electrical products, products that do not meet FDA “GRAS” (Generally Recognized As Safe) guidelines.

  • Handcrafted Artisan and Crafter Coverage Details and Exclusions
    Click here to learn more about limits and coverage details.
  • Esthetician and Massage Therapist Coverage Details and Exclusions
    Click here to learn more about limits and coverage details.
  • Food and Beverage Coverage and Exclusions
    Click here to learn more about limits and coverage details.

If you are not sure whether your product is covered, contact Veracity Insurance at (844)-520-6994 or email indiebusinessinsurance.com for assistance.

The term “handcrafted” may mean something different to each person. For the purpose of this policy, “handcrafted” means you either (1) made it from scratch by hand (2) someone under your supervision made the product from scratch by hand or (3) you purchased the unscented, unflavored and/or uncolored product in bulk and added your own scent, flavor and/or color and/or other additives to distinguish it in your line of products. 

If 80% or more of your products are “handcrafted” within this definition, then they qualify for coverage under this policy.

Handcrafted Soap & Cosmetics Program

$275 per year for $1 million annual general aggregate coverage. This limit can be increased to $2 million for just $55 more per year, with the cost totaling $330 per year.

Additional premiums may apply to larger companies and companies needing additional coverage.

Handcrafted Artisan and Crafter Insurance

Annual policies begin at $245/year for IBN members whose annual gross sales are below 50K for a $2 million general aggregate limit. If your annual gross sales are $50,001—$100K your policy will cost $360/year for a $2 million general aggregate limit.

Esthetician and Massage Therapist Insurance

Annual student policies begin at $62/year for a $3 million general aggregate limit. Annual professional policies begin at $89/year for a $3 million general aggregate limit. You may add the fitness trainer endorsement for $33/year.

Food and Beverage Insurance

Annual policies begin at $279/year for IBN members whose annual gross sales are below 50K for a $2 million general aggregate limit. If your annual gross sales are $50,001—$100K, your policy will cost $384/year for a $2 million general aggregate limit.

Payment in advance is required. It is not possible to process installment payments for premiums as low as the broker is offering.
No, unless it’s for non-compliance. The policy becomes active on your chosen effective date and will be reviewed within the first few days of purchase. If our underwriting department finds your policy non-compliant, they will issue a refund and cancel your policy. After the short underwriting period, a refund will not be given, and the policy will cover you for a year in exchange for payment in advance of the policy premium.
If the coverages provided do not meet the recommendations of the venue/show, we have other options available to you. Please contact us to discuss your particular situation.

Effective September 7, 2008, and until the present, Great American Insurance Group has been the insurance carrier.

If you should ever have a claim, please complete the Claim Form and send it to our office to be processed. It is extremely important to report claims as soon as you are aware of them!

Please call Veracity Insurance at 1-866-395-1308 or email at claims@veracityins.com.

No. The new owner would have to procure their own coverage.
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Policy/Coverage

Coverage is available in all 50 states. Although you must reside in the United States to purchase a policy, coverage territory includes US, Canada, Virgin Islands, Puerto Rico, US territories and its possessions. Which means, if you travel to these areas, your policy still provides coverage.
No, Operations in a foreign country would not be covered even if you have a physical address in the United States.
You will have coverage for 12 months beginning from the effective date of the policy. The policy term dates will appear on your certificate when you sign up.

You may sell your product in any way you would like. As long as the lawsuit or claim is brought back to the United States, the insurance policy will respond to your claim.

It is really up to you. At first, many people purchase the $1 million limit. Once they get into farmers markets or get a contract with Wholefoods or other similar vendors, they increase their limits to $2 million in coverage.

  • Handcrafted Soap and Cosmetics Coverage
    Click here to learn more about additional insureds, limits and coverage details.
  • Handcrafted Artisan and Crafter Coverage Details and Exclusions
    Click here to learn more about limits and coverage details.
  • Esthetician and Massage Therapist Coverage Details and Exclusions
    Click here to learn more about limits and coverage details.
  • Food and Beverage Coverage and Exclusions
    Click here to learn more about limits and coverage details.

Yes, only if they are handcrafted by you. If the products are made elsewhere and repackaged for you, or you buy them in bulk and repackage them, they are not covered by this program.

No problem! Your policy will cover you at: farmers markets, trade shows, local events, etc. If you are required to provide the additional insured certificate, you can issue it by logging in to your account and adding it under your policy.

If you open your own store where you sell beauty products, there is no need to purchase separate liability insurance. However, your landlord by contract may require you to carry additional coverages. For example, higher liability limits, property coverage not only for your property but also for flooring, glass windows and doors and other permanently fixed items in the rented space. Please contact Veracity Insurance at 844-520-6994 or info@indiebusinessinsurance.com to discuss your particular situation. 

The Food and beverage, massage and esthetics and handcrafted artisan and crafter policies will not provide coverage for storefront properties. However, you can contact Veracity Insurance Solutions to determine the right coverage for you.

Yes, simply send your request via email to info@indiebusinessinsurance.com or fax 801-763-1374 with a copy of your certificate number, policy number and company name.

Enclose a photo of the check written to Veracity Insurance Solutions. Your check will be processed electronically. You can also call Veracity at 844-520-6994 and they can take a credit/debit card payment over the phone. 

No, but if this program is significantly insufficient for your commercial manufacturing and/or retail establishment, your premium may be higher.

There is NO general liability deductible. However, some programs do carry a deductible for the inland marine coverage. Please give us a call at 844-520-6994 for more information regarding this.

Inland Marine is a type of property insurance that covers your goods while at a show, temporary location or while being transported on your vehicle. Inland Marine can be added to your policy though our online application or through your user dashboard after purchase. For pricing and limits, please view the application of give us a call at 844-520-6994.

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ADDITIONAL INSURED

An additional insured is a person or organization (not an employee or a friend) that can be added to your insurance policy by endorsement. When you provide additional insured status to a person or organization, your policy will protect that additional insured for claims arising out of your negligence.

The majority of venues, promoters, vendors or stores will require you to add them as an additional insured before they will allow you to occupy their premises and/or sell products. Those that require an additional insured status on your policy will usually have it written into a contract or agreement. It is a simple procedure to add them to your policy.

Yes. Simply log in to your account on the website and you will be able to print off your certificates within minutes.

There is no cost to add an additional insured for the handcrafted soap and cosmetics coverage, handcrafted artisan and crafter coverage or the food and beverage policies. You can add as many additional insureds as needed and send them certificates accordingly. All you have to do is log in to your account and under the policy screen, click on the “add additional insured” button.

There is a cost to add additional insureds for the esthetician and massage therapist coverage. The cost is $15 for a single additional insured and $30 for unlimited.

  • Handcrafted Soap and Cosmetics Coverage
    Click here to learn more about additional insureds, limits, and coverage details.
  • Handcrafted Artisan and Crafter Coverage Details and Exclusions
    Click here to learn more about additional insureds, limits, and coverage details.
  • Esthetician and Massage Therapist Coverage Details and Exclusions
    Click here to learn more about additional insureds, limits, and coverage details.
  • Food and Beverage Coverage and Exclusions
    Click here to learn more about additional insureds, limits, and coverage details.
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Membership Details

Yes. Only if:
1. You already have the insurance through another company and you fax a copy of your current Insurance Certificate to (801) 763-1374 or email it to info@indiebusinessinsurance.com;

or:

2. You reside outside the coverage area of the policy (you are a non-US business without a physical US location);

or:

3. More than 20% of your annual revenue results from the sale of ingredients, supplies, non-handcrafted products (as defined above) and/or non-consumer products such as consulting or other services.

No, in order to qualify for the IBN insurance you must be an active IBN member.

Yes. They are as follows:

1. You already have the insurance through another company and you fax a copy of your current Insurance Certificate to (801) 763-1374 or email it to info@indiebusinessinsurance.com;

or

2. You reside outside the coverage area of the policy (you are a non-US business without a physical US location);

or

3. More than 20% of your annual revenue results from the sale of ingredients, supplies, non-handcrafted products (as defined above) and/or non-consumer products such as consulting or other services. Please contact us if you need more clarification.

We will prorate your dues so that the newly added insurance and the membership both come up for renewal at the same time. Please call Donna Maria (800) 882-8875 or email Support@IndieBusinessNetwork.com.

There is a cost to add additional insureds for the esthetician and massage therapist coverage. The cost is $15 for a single additional insured and $30 for unlimited.

  • Handcrafted Soap and Cosmetics Coverage
    Click here to learn more about additional insureds, limits, and coverage details.
  • Handcrafted Artisan and Crafter Coverage Details and Exclusions
    Click here to learn more about additional insureds, limits, and coverage details.
  • Esthetician and Massage Therapist Coverage Details and Exclusions
    Click here to learn more about additional insureds, limits, and coverage details.
  • Food and Beverage Coverage and Exclusions
    Click here to learn more about additional insureds, limits, and coverage details.

In the membership application, check the membership option that says “Full Member Without Insurance” as indicated in the Member Category section of the membership application. Please email IBN with questions if you fit into this category. You may also fax or email a copy of your insurance certificate to Veracity Insurance: Email info@indiebusinessinsurance.com, fax 801-763-1374.

Yes, if you are currently a member of IBN, your membership benefits will remain in effect until your membership expires. Once it expires, you may choose to renew. It must be renewed with the insurance benefit or you can produce your current Insurance Certificate with another company as outlined above.

If you are a current member and wish to add the insurance, please complete the membership application and submit it afresh. In this way, your membership and insurance will start effective immediately and both will renew at the same time next year, but your membership start date will not change.

No, it simply adds to your benefits.

You are welcome to call 844-520-6994. Email: info@indiebusinessinsurance.com or send us a letter: Veracity Insurance Solutions 260 South 2500 West, Suite 303 Pleasant Grove, UT 84062.

Indiebusinessinsurance.com and its affiliates recognize the privacy concerns of our customers and potential customers who visit our website. We want you to be aware that we collect information through our website for our internal use. We intend to use information collected only in the normal course of our business and as permitted by law. No personal information is required when you visit our web site, however, certain information is collected in order to help us better provide the products and services we offer.

Personal Information

We may collect nonpublic personal information about you from any or all of the following sources:

  • Applications or other forms received from you
  • Insurance transactions your conduct with us or our affiliates
  • Claims information provided in the event of a claim
  • Consumer reporting agencies

We do not disclose any nonpublic personal information we gather about our customers or former customers to anyone, except as permitted by law. We may disclose nonpublic personal information about you to related or third-party brokers and/or agents, to premium financial service companies, and to third-party companies who perform marketing services for us. We restrict access to your nonpublic personal information to those employees who need to know that information in order to provide products or services to you. We maintain physical and procedural safeguards to guard your nonpublic personal information. We may use your personal information for several purposes, such as monitoring the use of our web site so that we can make improvements; diagnosing and solving technical problems; fulfilling customer requests for certain products and services; and sending material of interest (if you have so requested). Sometimes we must collect medical information in conjunction with a claim. We do not use or share your medical information for any marketing purpose, unless we receive your permission.

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We may store a cookie on your computer when you visit our website. A cookie is a piece of information that is required to create and maintain a secure session. With a cookie, each time your browser requests a page from the server, a message is sent to us. A cookie’s main objective is to identify users and personalize their visit by customizing web pages for them–for example, by welcoming them by name the next time they visit the same site. A site using cookies may invite you to provide personal information, such as your name, e-mail address and interests. Our cookies do not contain confidential or personal information. Our cookies do not track a user after leaving our website.

Emails

We may keep the emails you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send emails of specific interest to you. Please be careful about the information you give us in an email. As with any public web-site, this communication may not be secure.

Web Links

We may provide links to other websites on our site. We are not responsible for the collection, use, or security of information by the companies or organizations outside of our site. Please read the privacy policies of those web sites reached through the use of links from our site.

For further information regarding our privacy policy or for information we may have received from you, please contact us: info@indiebusinessinsurance.com

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