1 1 Policy options

2 2 Additional insureds

3 3 Payment, Review & Submit

If your physical address is in Missouri please click here.

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Additional insureds

When you add a person^†, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

† Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

† A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

Handcrafted Soap and Cosmetics - Additional Insured #{[{ $index + 1}]}(+$0.00)

Additional insured's name

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Additional insured's type

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Additional insured's email

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Please enter valid email address

Email should not be the same as the policy's holder email

Minimum length required

Please only use the additional insured email and do NOT use the policy’s holder email

(If an email is not provided no certificate will be sent to the event. You will be responsible for providing the certificate to the additional insured/event.)

Additional insured's street address

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Minimum length required

Additional insured's address line 2

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Additional insured's city

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Minimum length required

Additional insured's state

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Additional insured's zip code

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Invalid ZIP code

Minimum length required

Payment information

Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next {[{ checkoutData.configuration.monthlyPaymentCount }]} months.

Switch to annual

Pay

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Credit Card

[selected]

Credit card information

Payment profile

Use different credit card

Card number

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Invalid credit card number

Please enter your credit card and bank information. Your credit card will be used for the down payment and your bank information will be used for the Capital Premium finance agreement monthly draft. If you have questions about alternative payment methods for the capital monthly draft please contact Capital Premium.

Expiration month

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Expiration year

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CVV

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Invalid cvv

Billing zip code

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Invalid ZIP code

Use this card later

This feature will create a customer payment profile for your billing information to allow easy checkout during future policy coverage extensions or updates. Credit card information is not stored within our system. All billing information is processed through authorize.net

Your credit card expires before auto renew date ({[{ policyEndDate.format(dateViewFormat) }]}). In order to proceed, please use other credit card.

Auto renew

Enroll to EZ-Renew

Your policy is set up to automatically renew on {[{ policyEndDate.format(dateViewFormat) }]}.

With this beneficial feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy.

You will receive a Conditional Renewal Notice prior to the renewal date of your policy. If you wish to cancel your policy, you must notify us in writing prior to the policy renewal date. You can cancel EZ-renew at any time from your dashboard. Your policy will be renewed with the same coverage's, additional insureds and endorsements as your current policy. If you wish to change any coverages, you can login to your on-line account and make changes to your policy at any time.

Please note that we do NOT store credit/debit card numbers, nor do we share customer details with any third parties. Recurring billing is managed via Authorize.net.

Order summary

Policy Holder Edit

, ,

Email:

Mobile number:

Mailing Address is the Same as the Physical Address

Mailing Address:

, ,

Payment Information Edit

Payment Method:

Enrolled in EZ-Renew You are not enrolled in EZ-Renew

Edit Enroll

Your policy is set up to automatically renew on . With the EZ-Renew feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy coverage. I acknowledge that I reject the automatic renewal option and take sole responsibility for manually completing the renewal process through my client dashboard.

Indie Handcrafted Soap and Cosmetics Annual Policy

Monthly Payment Breakdown

Policy start date: - Policy end date: Edit

If changes are needed, please reach out to your agent.

Edit

Limits of Insurance

General Aggregate Limit (Other than Products-Completed Operations)	$1,000,000
Products-Completed Operations Aggregate Limit	$1,000,000
Personal and Advertising Injury Limit	$1,000,000
Each Occurrence Limit	$1,000,000
Damage to Premises Rented to You Limit	$300,000	Any One Premise
Medical Expense Limit	$5,000	Any One Person
Professional Liability	EXCLUDED	Each Claim
	EXCLUDED	Aggregate

Policy Holder Business Information

Edit

Business Type
name
DBA
Mobile number
Website
Business Activities
Business Activities Description
Product Description

IBN Membership

Edit

Do you have a current IBN membership?

Please double check your records to confirm that your IBN membership is current. If it is not, the policy is subject to cancellation due to failure to comply with underwriting guidelines.

Product Information

Edit

Do you have any products that contain CBD legally derived from the Hemp plant as described in the H.R.2- Agricultural Improvement Act of 2018?

At least 80% of sales come from Handmade/handcrafted products

Do you make hand sanitizer?

What are your annual gross sales for hand sanitizer?

Is your hand sanitizer at least 60% alcohol, either ethyl or Isopropyl alcohol?

Are you in compliance with The United States Food & Drug Administration's current 2022 guidelines with regard to hand sanitizers?

Claims History

Edit

Have you had any liability or business property claims resulting in losses in excess of $5,000 within the last five years?

Are you aware of any incident(s) that may result in a claim?

Have you or your company ever been involved in any legal dispute relating to the operations of your company?

Have you or your company ever been subject to local, state, or federal investigation relating to the type of business you are applying for?

Terms & Conditions

Edit

Products that are EXCLUDED in this policy:

Acetone-based products
Aerosol products
Alcoholic products (Hand sanitizer is okay as long as it follows FDA guidelines)
Any product containing cannabbidoil (CBD)
Any product containing Talc
Any product requiring a prescription
Digestible Products of any kind (Coverage for these products can be added from your customer dashboard after you purchase this policy. Endorsement cost depends on gross sales.)
- Gross sales up to $50k for food liability products = $135.
- Gross sales $50k - $100k for food liability products = $210.
Drugs or Medicines
Formaldehyde or products containing formaldehyde
Furniture (Coverage for these products can be purchased afterward from your customer dashboard. Endorsement cost depends on gross sales.)
- Gross sales up to $50k for artists, crafters and tradesmen products = $135.
- Gross sales $50k - $100k for artists, crafters and tradesmen products = $210.
Household Cleaning Products - if not made with 100% organic or natural products
Ingestible Hemp products
Invasive Body inks
Invasive Products - intended to remain within the body
Nutraceuticals
Permanent Cosmetics
Pharmaceuticals
Plug-in Electrical Products
Suppositories
Tanning beds or equipment
Toys (except when sold in conjunction with an eligible beauty product)
Vitamins or Supplements

Check this box confirming you understand the above products are excluded in this policy

Click this box to confirm that you are an existing member of the Indie Business Network.

By checking this box I accept the Terms & Conditions

I agree to the following email, phone and electronic delivery statement

Additional Insureds

Edit

Unlimited Additional Insureds

Additional Insureds

{[{ ai.name }]}

Employees

Edit

{[{ employee.firstName }]} {[{ employee.lastName }]}

+ {[{ optionalCoverage.employeePrice|currency }]}

Independent Contractors

Edit

{[{ contractor.firstName }]} {[{ contractor.lastName }]}

+ {[{ optionalCoverage.independentContractorPrice|currency }]}

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Based on your previous answers, it appears your business situation is unique and deserves a more personal touch. Please complete the application and our team will contact you within 48 hours to complete your quote.

Please click here to be directed to an application that is specifically for those whose business is in .

Quote only for this state.

Monthly Annual

You have selected a monthly payment plan. This is how much you will pay per month.

You have selected an annual payment plan. This is how much you will pay annually.

Order total

Indie Handcrafted Soap and Cosmetics Annual Policy

Policy Endorsements

Additional insureds

Unlimited

Cancel unlimited AIs

Coverage for Employees

Coverage for Independent Contractors

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monthly

annually

monthly

^{DUE TODAY:} ^{(downpayment)}

Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next 10 months.

Aggregate Claims-Made Liability Coverages Limit of Insurance	$100,000
Privacy and Network Security	$100,000
Regulatory Fines and Penalties	$100,000
Ransom Payment	$10,000
Cyber Deception	$10,000
Deductible	$1,000

Policy effective dates

Policy options

Limits of Insurance

Account setup

Policy holder information

Physical Address

Mailing address

Business information

IBN Membership

Product Information

Claims History

Terms & Conditions

Additional insureds

Handcrafted Soap and Cosmetics - Additional Insured #{[{ $index + 1}]}(+$0.00)

Payment information

Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

Pay

Credit card information

Order summary

Policy Holder Edit

Payment Information Edit

Indie Handcrafted Soap and Cosmetics Annual Policy

Limits of Insurance

Policy Holder Business Information

IBN Membership

Product Information

Claims History

Terms & Conditions

Additional Insureds

Employees

Independent Contractors

Order total

Policy Endorsements

Additional insureds

Coverage for Employees

Coverage for Independent Contractors

Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

Policy effective dates

Policy options

Limits of Insurance

Account setup

Policy holder information

Physical Address

Mailing address

Business information

IBN Membership

Product Information

Claims History

Terms & Conditions

Additional insureds

Handcrafted Soap and Cosmetics - Additional Insured #{[{ $index + 1}]}(+$0.00)Remove

Payment information

Initial payment: {[{ firstPayment|currency }]} {[{ monthlyPayment.firstPaymentType }]}

Pay

Credit card information

Order summary

Policy Holder Edit

Payment Information Edit

Indie Handcrafted Soap and Cosmetics Annual Policy

Limits of Insurance

Policy Holder Business Information

IBN Membership

Product Information

Claims History

Terms & Conditions

Additional Insureds

Employees

Independent Contractors

Order total

Policy Endorsements

Additional insureds

Coverage for Employees

Coverage for Independent Contractors

Initial payment: {[{ firstPayment|currency }]} {[{ monthlyPayment.firstPaymentType }]}

Sign Here

Handcrafted Soap and Cosmetics - Additional Insured #{[{ $index + 1}]}(+$0.00)

Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

Initial payment: {[{ firstPayment|currency }]}
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