Candle business insurance averages $55 monthly, ranging from $35 to $95 based on coverage type and location.
Get matched with cheap candle business insurance below.
Updated: November 4, 2025
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Candle business insurance costs range from $414 to $1,146 annually on average, depending on your coverage type, state and sub-industry.
Your candle insurance premiums depend on location, claims history, sales channels and employee count.
Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable candle business insurance costs.
We found average business insurance costs for candle companies for commonly needed coverage are as follows:
| BOP | $81 | $975 |
| General Liability | $55 | $661 |
| Professional Liability (E&O) | $42 | $502 |
| Workers' Comp | $40 | $482 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
General liability coverage costs for your candle business range from $48 monthly in Maine to $64 in New York, compared to the $55 national average.
| Alabama | $53 | $642 |
| Alaska | $50 | $599 |
| Arizona | $52 | $629 |
| Arkansas | $53 | $635 |
| California | $61 | $738 |
| Colorado | $55 | $656 |
| Connecticut | $60 | $720 |
| Delaware | $59 | $703 |
| Florida | $60 | $717 |
| Georgia | $56 | $673 |
| Hawaii | $58 | $699 |
| Idaho | $52 | $628 |
| Illinois | $61 | $727 |
| Indiana | $54 | $646 |
| Iowa | $53 | $631 |
| Kansas | $54 | $643 |
| Kentucky | $51 | $617 |
| Louisiana | $62 | $740 |
| Maine | $48 | $574 |
| Maryland | $53 | $632 |
| Massachusetts | $58 | $695 |
| Michigan | $52 | $627 |
| Minnesota | $52 | $621 |
| Mississippi | $55 | $665 |
| Missouri | $54 | $647 |
| Montana | $55 | $659 |
| Nebraska | $52 | $626 |
| Nevada | $63 | $753 |
| New Hampshire | $55 | $659 |
| New Jersey | $63 | $750 |
| New Mexico | $56 | $666 |
| New York | $64 | $771 |
| North Carolina | $48 | $574 |
| North Dakota | $48 | $576 |
| Ohio | $51 | $614 |
| Oklahoma | $51 | $611 |
| Oregon | $51 | $615 |
| Pennsylvania | $64 | $764 |
| Rhode Island | $61 | $728 |
| South Carolina | $57 | $682 |
| South Dakota | $52 | $619 |
| Tennessee | $54 | $646 |
| Texas | $56 | $668 |
| Utah | $53 | $632 |
| Vermont | $53 | $636 |
| Virginia | $50 | $603 |
| Washington | $63 | $753 |
| West Virginia | $58 | $695 |
| Wisconsin | $54 | $650 |
| Wyoming | $51 | $612 |
Note: We based these general liability rates on candle businesses with two employees across different states. Your rates will vary based on your location, claims history and the types of services you provide.
Workers' compensation insurance costs range from $35 monthly in Maine to $47 in Pennsylvania. State regulations drive these rate differences.
| Alabama | $39 |
| Alaska | $37 |
| Arizona | $38 |
| Arkansas | $38 |
| California | $44 |
| Colorado | $40 |
| Connecticut | $43 |
| Delaware | $43 |
| Florida | $43 |
| Georgia | $40 |
| Hawaii | $42 |
| Idaho | $38 |
| Illinois | $44 |
| Indiana | $39 |
| Iowa | $39 |
| Kansas | $39 |
| Kentucky | $37 |
| Louisiana | $46 |
| Maine | $35 |
| Maryland | $38 |
| Massachusetts | $42 |
| Michigan | $38 |
| Minnesota | $38 |
| Mississippi | $40 |
| Missouri | $40 |
| Montana | $40 |
| Nebraska | $38 |
| Nevada | $45 |
| New Hampshire | $40 |
| New Jersey | $45 |
| New Mexico | $40 |
| New York | $47 |
| North Carolina | $35 |
| Oklahoma | $38 |
| Oregon | $37 |
| Pennsylvania | $47 |
| Rhode Island | $44 |
| South Carolina | $41 |
| South Dakota | $38 |
| Tennessee | $39 |
| Texas | $41 |
| Utah | $38 |
| Vermont | $38 |
| Virginia | $37 |
| West Virginia | $42 |
| Wisconsin | $39 |
Note: We based these workers' comp rates on candle businesses with two employees across different states. Requirements and costs vary by state.
Professional liability costs average $42 monthly nationwide. North Carolina has the lowest rates at $36 monthly, while New York costs $50 monthly.
| Alabama | $41 |
| Alaska | $37 |
| Arizona | $40 |
| Arkansas | $40 |
| California | $47 |
| Colorado | $42 |
| Connecticut | $45 |
| Delaware | $45 |
| Florida | $45 |
| Georgia | $43 |
| Hawaii | $44 |
| Idaho | $40 |
| Illinois | $46 |
| Indiana | $41 |
| Iowa | $40 |
| Kansas | $40 |
| Kentucky | $39 |
| Louisiana | $47 |
| Maine | $36 |
| Maryland | $40 |
| Massachusetts | $44 |
| Michigan | $40 |
| Minnesota | $39 |
| Mississippi | $41 |
| Missouri | $42 |
| Montana | $41 |
| Nebraska | $40 |
| Nevada | $47 |
| New Hampshire | $41 |
| New Jersey | $47 |
| New Mexico | $42 |
| New York | $50 |
| North Carolina | $36 |
| North Dakota | $37 |
| Ohio | $39 |
| Oklahoma | $40 |
| Oregon | $40 |
| Pennsylvania | $46 |
| Rhode Island | $45 |
| South Carolina | $44 |
| South Dakota | $39 |
| Tennessee | $41 |
| Texas | $42 |
| Utah | $40 |
| Vermont | $40 |
| Virginia | $39 |
| Washington | $48 |
| West Virginia | $44 |
| Wisconsin | $41 |
| Wyoming | $39 |
Note: We based these professional liability rates on candle businesses with two employees. Your actual rates will depend on your services offered and location.
Business owner's policy (BOP) premiums show the widest range across states. BOP costs range from $69 monthly in Maine to $95 in New York.
| Alabama | $77 |
| Alaska | $73 |
| Arizona | $77 |
| Arkansas | $77 |
| California | $92 |
| Colorado | $81 |
| Connecticut | $87 |
| Delaware | $86 |
| Florida | $88 |
| Georgia | $83 |
| Hawaii | $88 |
| Idaho | $78 |
| Illinois | $89 |
| Indiana | $78 |
| Iowa | $78 |
| Kansas | $79 |
| Kentucky | $75 |
| Louisiana | $94 |
| Maine | $69 |
| Maryland | $78 |
| Massachusetts | $86 |
| Michigan | $79 |
| Minnesota | $75 |
| Mississippi | $82 |
| Missouri | $80 |
| Montana | $80 |
| Nebraska | $77 |
| Nevada | $91 |
| New Hampshire | $82 |
| New Jersey | $93 |
| New Mexico | $82 |
| New York | $95 |
| North Carolina | $69 |
| North Dakota | $70 |
| Ohio | $75 |
| Oklahoma | $73 |
| Oregon | $76 |
| Pennsylvania | $94 |
| Rhode Island | $89 |
| South Carolina | $84 |
| South Dakota | $76 |
| Tennessee | $80 |
| Texas | $81 |
| Utah | $78 |
| Vermont | $79 |
| Virginia | $74 |
| Washington | $93 |
| West Virginia | $85 |
| Wisconsin | $80 |
| Wyoming | $76 |
Note: We based these BOP rates on candle businesses with two employees. Your actual rates will vary based on your business size, location and coverage needs.
Candle business insurance ranges from $41 monthly with NEXT to $81 with Simply Business. Price differences reflect each insurer's market focus and risk appetite. Insurers shift their target markets over time based on profitability and opportunities in specific industries.
| Chubb | $65 | $782 |
| Coverdash | $53 | $636 |
| Hiscox | $57 | $686 |
| NEXT Insurance | $41 | $491 |
| Nationwide | $60 | $718 |
| Progressive Commercial | $54 | $644 |
| Simply Business | $81 | $967 |
| The Hartford | $44 | $527 |
| Thimble | $49 | $590 |
| biBERK | $46 | $552 |
Candle business insurance costs vary based on multiple factors insurers review when determining your premium rates.
Your production facility's location shapes insurance costs through multiple factors. Operating in fire-prone regions like California or areas with strict manufacturing regulations increases premiums substantially. Urban manufacturing spaces have different exposures than rural workshop settings, with proximity to other businesses affecting fire risk assessments.
Previous incidents leave lasting marks on your insurance profile. A fire claim from improper wax storage or a product liability suit over burn injuries can elevate premiums for half a decade or longer. Candle makers demonstrating consistent safety practices through documented quality control testing, proper material storage, and zero loss histories position themselves favorably when insurers review renewal applications and pricing adjustments.
Your team composition influences multiple coverage costs. Home-based candlemakers working alone keep workers' compensation expenses minimal, while companies employing pouring technicians, wick assemblers, and packaging staff see premiums escalate with headcount. Manufacturing environments with hot wax, open flames, and repetitive motion tasks create injury potential that insurers price into workers' comp rates based on total payroll and specific job classifications.
Business activities beyond production introduce distinct exposures. Retail storefronts where customers shop add premises liability for slip-and-falls and in-store injuries. Offering candle-making workshops or classes creates instructional liability concerns. E-commerce operations shipping nationwide multiply product liability exposure across jurisdictions while adding shipping damage and delivery-related claims to your risk profile.
Production volume and income determine your insurance requirements substantially. Hobbyists selling at craft fairs with $15,000 in annual sales need modest coverage, while established brands distributing through retailers and generating $600,000 require comprehensive policies.
The protection amounts you secure create meaningful cost variations. Many candle businesses begin with $1 million in general liability, though retailers and distributors often demand $2 million as contractual requirements. Product liability limits warrant careful consideration, a recall affecting thousands of units or a house fire attributed to your product could generate seven-figure claims.
Your financial track record influences insurer willingness to offer competitive rates. Candle entrepreneurs with excellent credit often receive discounts ranging from 18-42% compared to applicants with troubled credit histories. Strong financial standing demonstrates business sustainability and responsible risk management, making you a preferred client.
Use our step-by-step guide to find cheap business insurance for your candle business while improving your long-term risk profile.
Candle businesses have unique fire hazards requiring comprehensive coverage including general liability for customer injuries, product liability for fire damage or burns caused by your candles, property insurance covering your workshop and inventory and recall insurance for defective batches.
If you manufacture on-site, ensure your property policy includes coverage for flammable materials like wax, wicks, and fragrance oils stored in your workspace.
Many standard carriers charge premium rates for candle makers due to perceived fire risks, while specialty artisan and handmade goods insurers understand proper candle-making practices.
Carriers familiar with cottage food and craft industries often offer better rates and understand the difference between hobbyist and professional manufacturing standards.
Combining general liability, product liability, and property coverage through an Artisan or Makers Package Policy saves 15% to 25%. If you sell at craft fairs or farmers markets, many insurers bundle event liability coverage into your annual policy at no additional cost, eliminating the need for separate per-event certificates.
Candle companies producing small batches can benefit from higher property deductibles since individual production losses are limited. Keep product liability deductibles lower ($500 to $1,000) because even one candle causing a house fire can result in six-figure claims, regardless of your quality control measures.
Monthly payment processing fees can cost small candle businesses $200-400 annually that could be better spent on supplies or marketing. Annual payment eliminates these charges and many insurers offer 5% to 8% discounts for upfront payment, particularly for seasonal businesses ramping up before holiday shopping.
Expanding from home-based to commercial production, adding wholesale accounts, or launching new product lines like wax melts or diffusers changes your risk profile.
Annual reviews make sure property coverage matches increased inventory levels, product liability reflects your sales volume, and you're properly covered if you move into retail locations or co-packing arrangements.
Candle business insurance costs between $35 and $95 per month, though your premium will vary based on factors like location, business size, and claims history. You can save money by comparing quotes from multiple insurers, bundling policies, choosing higher deductibles, and paying annually instead of monthly.
Candle business owners commonly ask about insurance costs.
Workers' compensation is the most affordable at $40 monthly, though it only covers workplace injuries. Most candle businesses require general liability coverage ($55 monthly) for protection against customer injuries and property damage lawsuits.
You'll pay more in these states. General liability in California runs $61 monthly (versus $55 national average), and BOP costs $92 monthly (versus $81 average). New York is similar at $64 and $95, respectively.
Combining multiple policies with one insurer delivers greater savings than purchasing them individually. Insurance companies provide discounts when you bundle general liability, commercial property and commercial auto coverage together.
Key cost drivers include manufacturing hot wax and open flames, storing flammable materials, prior insurance claims, larger staff sizes, expensive equipment, poor credit history and operating in high-risk areas.
Higher deductibles reduce monthly premiums but increase out-of-pocket costs when filing claims. Consider your available cash flow and expected claim frequency when deciding.
Workers' compensation costs for candle businesses vary by state, spanning from $35 monthly in Maine to $47 monthly in Pennsylvania for coverage.
Yes. At $81 monthly, BOP combines general liability, commercial property and business interruption coverage. This bundled approach saves money and offers greater convenience than purchasing separate policies.
Shop annually when your policy renews. Compare quotes from multiple insurers to find savings, especially after business changes like adding employees or expanding services.
We collected candle business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small candle business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the candle industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
