Natural Perfumers Guild deal: Liability Insurance for the Bath and Beauty Microbusiness Community

I am posting this ad for Stratus Insurance. I was in negotiations with them for both the Natural Perfumers Guild and the Yahoo Natural Perfumery group and the natural perfumery community at large.

They're offering great rates to the Guild, and some folks might want to join to save over non-Guild rates.

Coverage:
For Guild members $1/M/$475
non-Guild: $1M/$525
 
BTW, if you have a business that is not 100% natural perfumery, you can still join in the Stratus deal. I did negotiate on behalf of the NP community, but I realize many here may use fragrance oils or aromachemicals. You can still get this insurance.

Just make sure you use this page to apply:
http://www.stratusins.info/perfumers_app.php

At the bottom of the page, if you're not a member of the Guild, check off if you are a member of the Yahoo NP group. I will work with Natasaha Gray to confirm Guild members at this time, since we've had about a dozen new members in the past week and they're not listed on the website yet. In the future, the Guild will have a separate application page. Also, for the non-Guild and non-NP group members, they're going to reword this to be more inclusive in the future, perhaps "Found via a link from Anya's Garden."

Coverage:
For Guild members $1/M/$475
non-Guild: $1M/$525

Limits are as follows:

$1,000,000 General Aggregate Limit
$1,000,000 Products-Completed Operations Aggregate Limit
$1,000,000 Personal and Advertising Injury Limit
$1,000,000 Each Occurrence Limit
$100,000 Fire Damage Limit
$5,000 Medical Payments

For additional $55 they can increase Aggregate and Products to $2,000,000 at any time during the policy.