Best Business Insurance for Candle Makers in 2025 (Top 10 Companies Ranked)
The best business insurance for candle makers is offered by our top pick State Farm alongside Allstate, and Travelers with rates as low as $75 per month. Safeguard your candle making insurance needs with peace of mind. Explore now and get a quote today for the best insurance for candle makers.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 17, 2025
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 17, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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18,154 reviewsCompany Facts
Full Coverage for Candle Makers
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
11,638 reviewsCompany Facts
Full Coverage for Candle Makers
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviews
1,733 reviewsCompany Facts
Full Coverage for Candle Makers
A.M. Best Rating
Complaint Level
Pros & Cons
1,733 reviewsState Farm, Allstate, and Travelers are the top companies providing the best business insurance for candle makers.
State Farm’s candle insurance stands out, providing unparalleled protection and affordable coverage tailored to the unique needs of candle-making businesses.
Our Top 10 Company Picks: Best Business Insurance for Candle Makers
| Company | Rank | Multi-Policy Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | 5% | Many Discounts | State Farm |
 | #2 | 25% | 30% | Add-on Coverages | Allstate |
 | #3 | 25% | 20% | Deductible Reduction | Travelers |
 | #4 | 8% | 5% | Usage Discount | Nationwide |
 | #5 | 5% | 5% | Accident Forgiveness | The Hartford |
 | #6 | 20% | 10% | Deductible Reduction | Farmers |
 | #7 | 25% | 5% | Customizable Polices | Liberty Mutual |
 | #8 | 29% | 5% | Student Savings | American Family |
 | #9 | 25% | 5% | Policy Options | Erie |
 | #10 | 12% | 5% | 24/7 Support | Progressive |
In a market filled with popular insurance companies, discerning the most cost-effective and comprehensive coverage is crucial for candle makers seeking financial security and peace of mind. With discounts of up to 20% and candle insurance cost as low as $75.
In this article, we’ll explore the importance of candle business insurance, the types of coverage you need, the cost of insurance, and how to get the right policy for your business. Enter your ZIP code above to get started on comparing business insurance quotes.
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#1 – State Farm: Top Overall Pick
Pros
- Positive Customer Reviews: With 11,412 reviews, State Farm has a substantial customer base, and the low complaint level suggests a high level of customer satisfaction.
- Competitive A.M. Best Rating: State Farm insurance review & ratings show a top-notch A+ rating from A.M. Best, reflecting its strong dependability for candle maker insurance needs.
- Wide Array of Additional Discounts: Beyond the specified discounts, State Farm offers many other discounts, providing flexibility for different customer profiles.
Cons
- Moderate Multi-Policy Discount: While State Farm offers a multi-policy discount for candle company insurance, but it is not as high as some competitors.
- Limited Digital Services: State Farm’s online platform and digital services may not be as robust or user-friendly compared to some providers of candlemaker insurance.
#2 – Allstate: Best for Bundling Bonanza
Pros
- Add-on Coverages: Allstate stands out for its emphasis on add-on coverages, allowing candle makers insurance policies to be specific beyond the standard offerings.
- Competitive A.M. Best Rating: Allstate insurance review & ratings also earns a robust A+ rating from A.M. Best, showcasing its financial robustness and stability.
- Customer Reviews: Although fewer in number than State Farm, the 3,019 reviews suggest a solid customer base with positive feedback on their candle manufacturing insurance services.
Cons
- Higher Average Monthly Rate: Allstate’s average monthly rate for candle making business insurance is $166.08, potentially making it less budget-friendly for some customers.
- Fewer Discount Options: While Allstate provides a substantial multi-policy discount, it offers fewer insurance discount options for candle making compared to some insurers.
#3 – Travelers: Best for Deductible Deals
Pros
- Deductible Reduction Discounts: Travelers offers up to 8% deductible reduction, providing insurance savings for candle businesses in the event of a claim.
- Specialized Protection: Travelers offers comprehensive craft insurance for candle making that addresses the unique fire hazards and liability concerns of artisan candle producers.
- 24/7 Support: It demonstrate their commitment to small candle business insurance policyholders with exceptional 24/7 support, ensuring assistance is readily accessible whenever required.
Cons
- Mid-Range Multi-policy Discount: Travelers’ multi-policy discount is up to 12%, limiting potential savings for bundled policies. Learn more in our Travelers insurance review & ratings.
- Limited Regional Presence: Travelers may not have an extensive a network, making it hard for those seeking insurance for selling candles in some areas.
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#4 – Nationwide: Best for Usage Advantage
Pros
- Usage Discount Focus: Nationwide excels in providing discounts based on usage, making it a cost-effective choice for candle makers with limited business-related travel.
- Low Complaint Level: Nationwide maintains a low complaint level, demonstrating their reliability when providing craft insurance for candles to artisanal businesses.
- Positive A.M. Best Rating: The A+ rating from A.M. Best for Nationwide insurance review & ratings indicates robust financial stability and dependability.
Cons
- Moderate Low-Mileage Discount: While Nationwide offers a low-mileage discount, it is not as high as some competitors, potentially limiting the appeal for those looking to maximize savings.
- Mid-Range Average Monthly Rate: Nationwide’s average monthly rate for good drivers falls between State Farm and Allstate, making it a middle-ground option in terms of pricing.
#5 – The Hartford: Best for Flexible Coverage
Pros
- Accident Forgiveness: The Hartford insurance review & ratings shows its accident forgiveness, enabling candle makers to keep their premiums low even following an at-fault accident.
- Customizable Protection: The Hartford provides the best candle maker insurance with fully customizable policies, allowing businesses to select only the coverage options they truly need.
- Specialized Coverage Options: The Hartford’s wide range of insurance for selling wax melts includes specialized policy options for artisans and small-batch manufacturers.
Cons
- Deductible Reduction Discounts: While The Hartford offers deductible reduction discounts, they are not as high as some competitors, potentially limiting overall savings.
- Potential Coverage Gaps: The customizable nature of policies may lead to confusion or oversight, and customers might inadvertently leave coverage gaps in their policies.
#6 – Farmers: Best for Generous Deductibles
Pros
- Up to 20% Deductible Reduction: Farmers offers up to 20% deductible reduction, providing potential cost savings for candle makers in the event of a claim.
- Candle Delivery Protection: With up to 10% discount for candle businesses with limited delivery exposure, Farmers recognizes the unique transportation needs of artisanal candle makers.
- Policy Options: Farmers insurance review & ratings shows a variety of policy options, allowing candle makers to choose coverage that suits their specific business requirements.
Cons
- Limited Discount Accessibility: While Farmers advertises substantial deductible reductions, many smaller candlemakers report difficulty qualifying for the full 20% benefit.
- Incomplete Online Resources: Farmers lacks dedicated educational materials about candle business insurance on their digital platform.
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#7 – Liberty Mutual: Best for Customized Protection
Pros
- E-Commerce Protection: Liberty Mutual insurance review & ratings highlight broad coverage of internet candle sales, including specialized protection against product liability claims.
- New Business Emphasis: Liberty Mutual has new candle maker packages with less than two years in business, featuring first-year premium discounts and simplified claims.
- Fire Liability Expertise: Their underwriters provide extensive risk assessments that are customized to candle production operations.
Cons
- Higher Rates: Liberty Mutual categorizes home-based candle making into higher risk categories than commercial businesses, and have higher rates for most small handcrafted producers.
- Limited Coverage for Craft Fairs: Their standard policies leaves potential coverage gaps for candle makers who sell most of their products at markets and fairs.
#8 – American Family: Best for Student Savings
Pros
- Home Studio Coverage: American Family leads the way with specialized home-business insurance packages, perfectly suited for candle makers working from home workshops.
- Handmade Product Protection: Their policies cover the special liability issues of handmade candle manufacturing, such as protection for unique scent blends and design features.
- Seasonal Business Flexibility: American Family insurance review & ratings showcase customizable levels of coverage for candle manufacturers that have seasonal manufacturing peaks.
Cons
- Limited Chemical Coverage: Their standard policies limits fragrance compounds and essential oils that are typically used in candle making.
- Shipping Damage Exclusions: American Family’s standard policies tend to exclude product damage in transit, a major issue for candle makers that depend upon shipping.
#9 – Erie: Best for Coverage Choices
Pros
- Local Candle Industry Knowledge: Erie’s regional emphasis provides their agents the opportunity to become highly knowledgeable about local candle manufacturing regulations.
- Positive A.M. Best Rating: Erie insurance review & ratings reveal a favorable A+ score from A.M. Best, signaling robust financial stability and dependability.
- Boutique Manufacturer Protection: Its small-batch manufacturer coverage involves provisions specifically for artisanal candle manufacturers who make fewer than 10,000 units per year.
Cons
- Limited Geographic Availability: Erie’s specialized candle maker’s coverage is only offered in 12 states, which can keep many businesses outside of their geographic area from accessing it.
- Wholesale Distribution Gaps: Their policies tend to necessitate supplemental coverage for candle makers who sell products through third-party retailers, exposing them to potential liability.
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#10 – Progressive: Best for Affordable Assurance
Pros
- Craft Fair Coverage: Progressive insurance review & ratings highlights specialized event liability coverage for candle makers selling mainly at markets, fairs, and pop-up events.
- Transportation-Focused Protection: Their commercial auto policies have special provisions for vehicles carrying candle inventory, including product damage.
- Flexible Payment Structures: Progressive offers payment structures specifically tailored for candle businesses that experience seasonal variations in income.
Cons
- Online Selling Limitations: Their base policies provide limited protection for e-commerce candle sales, necessitating extensive add-ons for businesses mostly selling online.
- Scent Allergy Claim Limits: Progressive has tighter restrictions on claims for scent allergies—a key issue for candle manufacturers who use essential oils and bespoke fragrance mixes.
Safeguard Your Candle-Making Business With Vital Insurance Coverage
You need insurance to sell candles and navigating the intricacies of business ownership involves not only crafting exquisite products but also protecting your enterprise from potential risks and liabilities. Here are some essential types of insurance coverage to consider:
- Business Owner’s Policy: A business owner’s policy (BOP) is a cost-effective solution that combines general liability coverage and commercial property insurance. It protects your business from third-party injury and property risks, offering comprehensive coverage in one package.
- General Liability Insurance: General liability insurance is essential for candle makers as it covers potential liabilities arising from accidents, injuries, or property damage caused by your products. This public liability insurance for candle makers can protect your business.
- Workers’ Compensation Insurance: If your candle-making business has employees, most states require you to have workers’ compensation insurance. This coverage not only protects your employees in case of work-related injuries but also safeguards you as the business owner from potential costs that health insurance may not cover.
- Cyber Liability Insurance: In today’s digital world, cyberattacks and data breaches pose a significant threat to businesses. If your candle shop handles sensitive customer information or credit card numbers, having cyber liability insurance is highly recommended. It provides coverage for legal expenses, customer notification, and data recovery in the event of a cyber incident.
- Commercial Umbrella Insurance: Commercial umbrella insurance acts as an extra layer of protection by extending the coverage limits of your general liability, employer’s liability, and commercial auto insurance policies. It comes into play when the policy limit is reached, providing additional financial security for your candle selling insurance needs.
- Commercial Auto Insurance: If your candle-making business owns vehicles used for transportation or deliveries, commercial auto insurance is crucial. This insurance covers the cost of accidents involving your business vehicles. It’s important to note that most states require commercial auto insurance for vehicles owned by a business.
Remember, each business is unique, and insurance for candle making business may vary. It’s essential to evaluate your specific risks and seek guidance from an insurance professional to determine the most suitable coverage for your candle-making business.
Jeff Root Licensed Life Insurance Agent
By taking proactive steps to address potential risks, you can protect your business and ensure its long-term success. Don’t overlook the importance of regularly reviewing your insurance coverage to adapt to any changes in your business operations or external factors.
Unveiling the Costs of Business Insurance for Candle Makers
How much is candle making insurance? The cost of insurance for candle makers can vary depending on several factors. Here are some key considerations that can impact the cost:
- Size and Scope of Your Business: The size and scope of your candle-making business play a significant role in determining insurance costs. Smaller businesses with fewer employees and lower revenues typically have lower insurance premiums compared to larger operations.
- Coverage Limits: The coverage limits you choose for your insurance policies will affect the cost. Higher coverage limits provide greater protection but also come with higher premiums. It’s important to strike a balance between adequate coverage and affordability.
- Business Location: Your business location can impact insurance costs. Factors such as local regulations, crime rates, and the prevalence of certain risks in your area can influence premiums. For instance, if your business is located in an area prone to natural disasters, you may need additional coverage or face higher insurance costs for your candle store insurance.
- Risk Factors: The specific risks associated with your candle-making business can influence insurance costs. For example, if you use hazardous materials in your candle production or operate machinery that poses a higher risk of accidents, it may result in higher premiums.
- Claims History: Your claims history can impact insurance costs. If you have a history of frequent claims or high-value claims, insurers may consider your business to be a higher risk and charge higher premiums accordingly.
So how much is candle insurance? To determine the exact cost of insurance for your candle-making business, it’s recommended to obtain quotes from multiple insurance providers.
Business Insurance Monthly Rates for Candle Makers
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $80 | $160 |
 | $79 | $158 |
 | $82 | $164 |
 | $78 | $156 |
| $81 | $162 |
| $83 | $166 |
 | $84 | $168 |
 | $75 | $150 |
 | $77 | $154 |
 | $85 | $170 |
By comparing quotes and discussing your specific needs with insurance agents, you can find a policy that offers adequate coverage at a price that fits your budget. Remember that investing in insurance is essential to protect your business from potential financial losses and liabilities.
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Acquiring Insurance for Candle Makers: A Step-by-Step Guide
Getting insurance for your candle-making business is a straightforward process. Here are the seven steps to help you obtain the necessary coverage:
- Assess your insurance needs. Begin by evaluating the specific risks and liabilities associated with your candle-making business. Consider factors such as the size of your operation, the types of products you sell, the number of employees, and your business location. This assessment will help you determine the types and amount of coverage you require.
- Research insurance providers. Look for reputable small business candle insurance providers that specialize in business insurance or offer coverage tailored to small businesses. Consider factors such as their experience, financial stability, customer reviews, and the range of coverage options they offer.
- Obtain quotes. Contact insurance providers and request quotes for the coverage you need. Be prepared to provide details about your business, such as its size, revenue, location, and any specific risks or requirements. Insurance providers will use this information to assess the level of risk associated with your business and provide you with accurate quotes.
- Compare coverage and costs. Review the quotes you receive and compare the coverage provided, policy limits, deductibles, and premiums. Ensure that the policies offered adequately address the risks and liabilities specific to your candle-making business.
- Consult with an insurance agent. If you have questions or need assistance, consider consulting with an insurance agent or broker who specializes in small business insurance for candlemakers. They can provide expert advice, help you understand the policy details, and guide you in selecting the most suitable coverage for your needs.
- Purchase your policy. Once you’ve selected a policy that meets your requirements, contact the insurance provider to proceed with the purchase. They will guide you through the necessary paperwork and payment process. Review the policy documents carefully to ensure that they accurately reflect the coverage you agreed upon.
- Maintain regular reviews. As your business evolves, it’s important to regularly review your insurance coverage to ensure it continues to meet your needs. Notify your insurance provider of any significant changes in your business operations or risks so that they can adjust your policy accordingly.
Remember, securing the right insurance is not just about fulfilling a requirement; it’s about safeguarding your investment and ensuring the continuity of your business. Regularly reassessing your coverage ensures that you stay adequately protected as your business grows and changes.
Don’t hesitate to reach out to your insurance provider whenever you have questions or need to update your policy. With proper insurance coverage in place, you can focus on nurturing your candle-making business and pursuing your entrepreneurial dreams with confidence.
Case Studies: Business Insurance Success Stories for Candle Makers
These case studies highlight the importance of business insurance for candle makers, demonstrating its role in overcoming challenges and ensuring business continuity.
- Case Study #1 – Fire Damage Recovery: Laura’s property insurance covered repair costs and lost inventory after a workshop fire, enabling her business to rebuild.
- Case Study #2 – Customer Injury at a Craft Fair: Mark’s liability insurance covered medical costs and legal fees when a customer was burned by a defective candle, protecting his business.
- Case Study #3 – Product Liability Insurance for Candle Makers: Emily’s insurance covered legal defense and settlement fees for a customer’s severe allergic reaction, ensuring her business’s survival.
- Case Study #4 – Cyber Attack on Online Store: Sophie’s cyber insurance helped with security improvements and legal fees after a hack, safeguarding her business.
- Case Study #5 – Business Interruption During Pandemic: Leo’s insurance covered ongoing expenses during a temporary closure, allowing him to pay employees and resume operations afterward.
These case studies underscore the myriad risks candle-making businesses face, from property damage and customer injuries to cyber threats and global disruptions. Refer to our comprehensive resource titled “Liability Insurance: A Complete Guide” for further details.
Laura Walker Former Licensed Agent
Adequate insurance coverage is not just about managing risks; it’s about ensuring the longevity and sustainability of your passion and livelihood in the candle-making industry.
Getting the Best Business Insurance for Candle Makers
Running a candle-making business comes with inherent risks, but you can safeguard your livelihood and financial stability by having the right insurance coverage in place. In this article, we explored the importance of business insurance for candle makers and discussed key types of coverage to consider.
General liability insurance protects against third-party claims of property damage or bodily injury. Product liability insurance covers claims related to your candle products. Cyber liability insurance helps mitigate the risks of data breaches and cyberattacks. These policies, along with others like business interruption insurance and commercial auto insurance, offer financial protection in various scenarios.
Gain additional insights into “Commercial Auto Insurance: A Complete Guide” for further information.
By assessing your business needs, obtaining multiple quotes, and working with reputable insurance providers, you can find coverage that matches your specific risks. Remember, insurance costs can vary based on factors such as the size of your business, coverage limits, and location. Regularly review your policies to ensure they align with the evolving needs of your candle-making business.
Our free quote tool below makes it easy to compare the average affordable coverage options for your business — simply enter your ZIP code to find the best commercial insurance company for you.
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Frequently Asked Questions
Why is insurance important for candle makers?
Insurance is crucial for candle makers as it provides protection against various risks and liabilities. Accidents, lawsuits, or unexpected incidents can threaten your business, and insurance helps mitigate financial losses by covering damages and legal expenses. Discover what is stop-loss and how it can help protect your investments.
What types of insurance coverage do candle makers need?
Candle makers should consider essential coverage like general liability insurance, product liability insurance, and cyber liability insurance. These policies protect against third-party claims, product-related issues, and cyber threats that could impact the business.
How much is candle making insurance?
The cost of insurance for candle makers varies based on various factors. To determine the exact cost, it’s recommended to obtain quotes from multiple insurance providers and compare them.
Use our free quote comparison tool below and find the best business insurance company for your budget and needs.
What is the best candle maker insurance?
The best candlemaker insurance typically includes coverage such as general liability, product liability, and property & casualty insurance to protect against various risks associated with the business.
Can you provide examples of insurance success stories for candle makers?
Success stories include instances where insurance covered damages from accidents at events, protected against customer claims, and managed fallout from a cyber incident – emphasizing the importance of diverse coverage for candle makers.
How can I obtain insurance for my candle-making business?
Getting insurance for your candle-making business involves a straightforward process. It includes steps like assessing your business needs, obtaining multiple quotes from reputable insurance providers, and selecting a policy that offers adequate coverage at a suitable price.
What types of insurance do candle makers need?
Candle makers insurance coverage such as general liability, product liability, property insurance, and possibly cyber liability insurance are essential to safeguard their business against various risks. Discover our comprehensive resource “Liability Insurance: A Complete Guide” to delve deeper on this topic.
Do I need insurance to sell candles?
Yes, having insurance to sell candles is essential to protect against potential liabilities such as product-related injuries or property damage.
How much does candle business insurance cost?
The cost of candle business insurance can vary depending on factors such as the size of the business, coverage limits, and location. It’s recommended to obtain quotes from multiple insurance providers to determine the exact cost.
How much is candle insurance?
Candle insurance cost can vary depending on factors such as the size of the business, coverage needs, and location. It’s best to obtain quotes from insurance providers to determine the cost. You may get free insurance quotes online.
What is candle liability insurance?
Candle liability insurance provides coverage in case a consumer alleges that your candles caused them harm or damage. It covers legal fees, settlements, and medical expenses.
Is public liability insurance for candle makers necessary?
Yes, public liability insurance for candle makers, also known as general liability insurance, is essential to protect against third-party claims of bodily injury or property damage that may occur on their premises or as a result of their products.
Which insurance companies offer candle insurance?
Several insurance companies offer affordable candle insurance, including Allstate, Travelers, and the best pick – State Farm. Explore our “What is Affordable coverage?” for further insights.
What is the average cost of candle making insurance?
The average cost of candle making business insurance can vary depending on factors such as the size of the business, coverage needs, and location. It’s advisable to obtain quotes from multiple insurers to find the most suitable coverage at a competitive price.
How can small business candlemakers find affordable insurance?
Small business candlemakers can find affordable insurance by comparing quotes from multiple insurance providers, considering bundled coverage options, and discussing potential discounts with insurers.
Do candle makers require specific candle company insurance?
Yes, candle makers should seek specialized comprehensive coverage to address the unique risks associated with their industry, such as fire hazards and product-related liabilities.
What is craft insurance for candle making?
Craft insurance for candle making provides tailored coverage for small businesses in the candle-making industry, including protection against product liability claims and property damage.
To find cheap business insurance, enter your ZIP code into our free quote comparison tool below and get covered today.
Are there any discounts available for candle insurance?
Yes, many insurers offer discounts on candle insurance for factors such as bundling multiple policies, implementing safety measures, and maintaining a claims-free record.
Can candle makers obtain insurance for candle making business online?
Yes, many insurance providers offer the convenience of purchasing insurance for candle business online, allowing candle makers to compare insurance quotes online and select the most suitable coverage for their needs.
How does candle manufacturing insurance differ from general business insurance?
Candle manufacturing insurance is specifically designed to address the unique risks faced by candle makers, such as fire hazards and product liability, whereas general business insurance may not provide adequate coverage for these specific risks.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.