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Tammy Beckoning Bears
Nova Scotia
Posts: 3,739
Website

Hi Everyone ,

I need some serious advice .   I am ready to get serious about selling my bears and  was wondering what you all do about business insurance.  Do you have it to cover your workroom and supplies , or do you have liability insurance also.   I have sold a few bears but don't have liability insurance yet.......I KNOW......that isn't a good thing.  I am so concerned that a child will get ahold of one of my bears and get an eye stuck in their throat.  Problem is that here in Nova Scotia it is between $500-1500 annually to have the liability included.   Apparently it  isn't covered under small business insurance so I'd need commercial business coverage .  I make sure that my tags state that the bears are collectibles and are not safe for kids, but is that enough ???

I know it is important to be insured, but it is just so expensive.  Any advice is appreciated especially from you fellow Canadians who may have the same experience.

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