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Depending upon how you condict your business, your homeowners insurance probably will not cover losses resulting from the conduct of business. For example, if people come to your home to to buy your product, you will likely not be covered were they to trip and fall.

Likewise, most homeowners policies have broad exclusions concerning the conduct of most business operations from home,

Your best bet would be to contact a licensed insurance agent to obtain a commercial general liability policy. There may also be options in the Surplus Lines market because your business is so specialized.

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Q: What type of insurance or license to sell candles made from home?
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