Our Candle Add-On Insurance coverage is product liability only. Everything else would already be covered under the Commercial General Liability portion of your existing insurance.

In order to add this on to your coverage, you would need to send an email to insurance@hbbg.ca requesting the increased coverage, and we will forward it to the insurance company for a quote. Once we receive that back from them, we will set up a product specifically for you on the website that you can purchase and pay for. Intact will send us a new Certificate that will be uploaded into your account on our website.

This means your payment has been received and we are processing your certificate. You are insured from date of payment.

Yes, however coverage is limited to your total sales being below 25% to the US. This is non-negotiable.

Certificates are normally downloaded through our website. If necessary, you may send an email to insurance@hbbg.ca; however the insurance company only does mailout 4x/year. We have no control over this.

It can take between 4 to 7 business days to process your certificate, however your policy is active from date of purchase.