As your print farm grows from hobby to business, insurance becomes essential. Understanding the coverage types and requirements protects your investment and your livelihood.
General Liability
Covers claims of property damage or injury related to your products. If a figurine allegedly causes damage, general liability protects you. Most policies start at 500-1,000 dollars annually for small operations.
Product Liability
Specific coverage for products you sell. Important if products are marketed for display near children or outdoors. Product liability may be included in general liability or available as an add-on.
Property Insurance
Covers your equipment — printers, computers, filament stock, and finished inventory — against theft, fire, and natural disasters. Home-based businesses may need a rider on homeowner insurance.
Business Interruption
If your production stops due to equipment failure or facility issues, business interruption insurance covers lost revenue during the downtime. More important as your business grows and customers depend on you.
Professional Advice
Consult with an insurance broker familiar with small manufacturing businesses. Coverage needs vary by province, business structure, and sales volume. The right coverage gives you peace of mind to focus on growth.
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