LaurieF Posted February 27, 2007 Share Posted February 27, 2007 Really....anybody out there really ever been sued? What's your story.I can't stand the thought of getting insurance for the little business I do through retailer but eventually if I get big accounts I would. Quote Link to comment Share on other sites More sharing options...
dcroome2005 Posted February 27, 2007 Share Posted February 27, 2007 Never been sued, do not have insurance and been told by insurance people that I really don't need it at this time. If they sued me, they would have fun at getting NOTHING. I seriously have nothing of value to them. I just saw in the paper where a candle caused a fire in Boston and I thanked God that I don't have any customers there. lol Quote Link to comment Share on other sites More sharing options...
Vicky_CO Posted February 27, 2007 Share Posted February 27, 2007 Problem with being sued is that most likely those people are not in business any more. I am not sure I would want to go on after being sued. I have been involved in long drawn out court case ( My Parents where in a major car accident) it was a night mare. Just going through the proceedings of being sued would discourage most people from wanting to continue making stuff even if it was decided in favor of the defendant. Quote Link to comment Share on other sites More sharing options...
TeriM Posted February 27, 2007 Share Posted February 27, 2007 there is so much more involved than just being sued... and even if you don't have anything... there are still legal fees... Quote Link to comment Share on other sites More sharing options...
Michi Posted February 27, 2007 Share Posted February 27, 2007 there is so much more involved than just being sued... and even if you don't have anything... there are still legal fees...True, but it's kinda hard to get blood out of a turnip, is what I think she's saying! LOLI guess, they could attach your wages huh? Oooh that would suck big time!Insurance is exactly that-insuring that if anything happens (ANYTHING) you'll be covered.Car insurance is basically the same, you pay your premiums and whether you never have an accident you still have to pay it, JUST IN CASE! Does it suck? Car insuranceMedical InsuranceDental InsuranceLife InsuranceBusiness InsuranceDANG-that's a lot of money right there!Yes, I'd rather have all that money in my pocket! LOL Quote Link to comment Share on other sites More sharing options...
clonefan80 Posted February 28, 2007 Share Posted February 28, 2007 Well i may not have a million bucks but I do have a house, cars and such and I'd prefer to keep them. But I sell wholesale and many retailers wil ask about product liability. For me its cheap, 2 mil policy for under $400 year. And before you ask, Ohio Casulty - call an independent rep. They underwrite in 39 states. Quote Link to comment Share on other sites More sharing options...
gerrie Posted February 28, 2007 Share Posted February 28, 2007 Do any of you remember about 5 years ago when Todd had "The Scent Review" board, and someone was being sued. I can't remember who it was or why she was being sued, but she said it was a total nightmare. She also said if you don't think it can happen to you, then you've got your head buried in the sand. I can't remember the specifics, but it was quite an ordeal for her to go through, lawyers fee was huge. Quote Link to comment Share on other sites More sharing options...
dcroome2005 Posted February 28, 2007 Share Posted February 28, 2007 Yeah, I think I will be getting insurance when I get back home. I talked to hubby about it. I was quoted around $ 600 for the year up in PA.. Not sure what it is in VA Quote Link to comment Share on other sites More sharing options...
NattyCat Posted February 28, 2007 Share Posted February 28, 2007 Wow - you guys pay a lot for insurance. Mine was £100 (approx $180) for 5 million cover for one year. I'm in the UK and my insurance covers public liability, product loss, premises and pretty much any nasty thing that could happen if I were sued or my workshop burnt down! Quote Link to comment Share on other sites More sharing options...
sudsnwicks Posted February 28, 2007 Share Posted February 28, 2007 Wow - you guys pay a lot for insurance.Yes we do. And we don't have NHS here like in UK, so for those who are self employed, health insurance premiums are sky high. Quote Link to comment Share on other sites More sharing options...
sugarysweet95 Posted February 28, 2007 Share Posted February 28, 2007 Yes we do. And we don't have NHS here like in UK, so for those who are self employed, health insurance premiums are sky high.And we in the UK still moan about our NHS - think we should start being grateful!!!!!!!Luckily we also don't seem to have the same number of sueing cases either - though it's going up sadly! Quote Link to comment Share on other sites More sharing options...
cybersix Posted February 28, 2007 Share Posted February 28, 2007 Can you tell me please how this kind of insurances are called?because I can't find anything here, what type is? Quote Link to comment Share on other sites More sharing options...
gingerinarkansas Posted February 28, 2007 Share Posted February 28, 2007 People in the U.S. are sue happy...I guess it's a way to make some money without putting alot of effort into it. Ginger Quote Link to comment Share on other sites More sharing options...
NattyCat Posted February 28, 2007 Share Posted February 28, 2007 Can you tell me please how this kind of insurances are called?because I can't find anything here, what type is?Here are some UK based ones Inezhttp://www.thmarch.co.uk/Craft+Workers/index.xalterhttp://www.craftinsurance.co.uk/I'm with the 2nd one. Quote Link to comment Share on other sites More sharing options...
leisa2003 Posted February 28, 2007 Share Posted February 28, 2007 I just posted about this on the Snowtop board, about a friend of mine.She was a power seller on e-bay with her candles, and I guess for the story I got, that the buyer left the candle unattended (left the house and forgot the candle was burning), and she got a call on her cell phone that the fire dept. was at her home..etc..My friend had NO insurance, she never really profited enough to afford it.So, she is going thru the lawsuit right now, and it wasn't the buyer of the candle that forced it, but her home owners insurance is the one thats actually sueing her.Even if she can win the case, her attorney fee's are sooo outrageous. And her attorney told her their is still always that 'good' chance,... that she could loose. He quoted her about the lady that bought the coffee from McDonalds yrs. back, and sat it between her legs and sued McDonalds and won.He also told her...if the judge was having a bad day, or the lady was a single parent, and just felt sorry for her, or anything...she could loose. Basically telling her...its all up to that man in the black robe, and how he feels.Leisa Quote Link to comment Share on other sites More sharing options...
lindsaycb Posted February 28, 2007 Share Posted February 28, 2007 Wow...I've always wondered about some of the sellers on ebay if they carried it, or just thought it was okay to be a crafter. I just couldn't see a judge going for the creator of the candle unless the candle itself was defective & shot out flames or something. A candle is FIRE, you play with fire, YOU take the chance of burning your house. It'd be no different if I was burning a pile of leaves outside & some ashes blew onto my rooftop. Its a chance I take. The idea of it all just makes me want to pitch candles all together though. I would just die inside if one of mine took someone's home. Quote Link to comment Share on other sites More sharing options...
CareBear Posted March 1, 2007 Share Posted March 1, 2007 Besides, without insurance there are many venues that aren't open to you - right? Like don't most craft fares require $1 mil in liability, and malls $2 mil? I think I read that. Quote Link to comment Share on other sites More sharing options...
Meridith Posted March 1, 2007 Share Posted March 1, 2007 I don't ever recall of any time I was asked about insurance at a craft show. Now I have been asked plenty of times about the correct paperwork or what not related to sales tax. I just wouldn't ever operate my business with out insurance. Even if it isn't required. Quote Link to comment Share on other sites More sharing options...
sudsnwicks Posted March 1, 2007 Share Posted March 1, 2007 It depends on the type of craft show. The ones held here are called "homemakers craft bazaar" or something to that effect. It is not necessary to have a business or insurance to participate. Neither is sales tax paperwork needed since our state has no sales tax. Quote Link to comment Share on other sites More sharing options...
SoyKandles Posted March 1, 2007 Share Posted March 1, 2007 I do have insurance and feel it is a necessity if I'm in business. I hate to pay for insurance, but it's just part of life.It really upsets me that someone would sue another person or business over their irresponsibility. And for another insurance company to pursue this to avoid paying out to their customer is sad. I realize this is the way things work, but I guess I don't have to like it!! I hope none of us get sued! But be wise and get insurance. I have insurance for candle & soapmaking and the cost is reasonable for 1 million coverage. The insurance company I deal with feels my business is a low risk - it's probably the area where I live also. Quote Link to comment Share on other sites More sharing options...
ForHisGlory Posted March 1, 2007 Share Posted March 1, 2007 One of the ladies at NG said she doesn't have insurance and that the label on the bottom of the jar is sufficient. Quote Link to comment Share on other sites More sharing options...
Di_in_AZ Posted March 1, 2007 Share Posted March 1, 2007 If you don't have anything now, they can get FUTURE monies. They can force you to have a sheriff's auction, they can garnish wages in the future until all is paid. Unless you can live under society's radar and earn wages under the table, hide all your future assets, I wouldn't do it. You may not have much now, but you are gambling all your future assets and income on being someone else's. I would hate working just to give my stuff to someone else. Quote Link to comment Share on other sites More sharing options...
mommyof1 Posted March 1, 2007 Share Posted March 1, 2007 and it wasn't the buyer of the candle that forced it, but her home owners insurance is the one thats actually sueing her.Wow. Just curious...do you know which home owners insurance that customer had? Quote Link to comment Share on other sites More sharing options...
The_Dallas_Texas_Dean Posted March 1, 2007 Share Posted March 1, 2007 In any type of business if you elect not to have insurance, YOU are the one playing with fire. That is just the way it is. Sadly, we live in a very litigious society. Quote Link to comment Share on other sites More sharing options...
cybersix Posted March 1, 2007 Share Posted March 1, 2007 It seems I can't have an insurance.As a hobbyst, I can sell "occasionally" without any kind of tax ID, and for the italian laws it's ok.But I can't have insurance if I don't have tax ID. Quote Link to comment Share on other sites More sharing options...
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