Hand-made Goods

Click on the hand-made products categories below to see detailed descriptions of pre-qualified businesses.

Calligraphy*
Calligraphers specialize in artistic, stylized, or elegant handwriting or lettering.

Ceramics*
Individuals make pottery from clay and other minerals, which are fired in a kiln to achieve permanent shape and strength. Merchandise may include: fine china, bone china, porcelain, earthenware, stoneware, sanitary ware, decorative items and artistic pieces. Materials and equipment include: raw materials, mixing equipment, forming equipment, dryers, kilns, glazing equipment, hand tools and decorating supplies.

Crafter*
A crafter has a skill or ability in making items by hand. Many crafters sell their merchandise at trade shows or fairs. It is acceptable for a crafter to place their merchandise in consignment shops as long as they do not operate, or lease space on a regular or continuous basis. The making of and/or sales/distribution of toys, weapons of any nature, as well as the making of candles and/or the sale/distribution of homemade candles are not eligible under this class.

Engraver*
Engravers carve, cut or etch into materials.

Furniture Refinisher*
Refinishes damaged, worn, or used furniture or new high-grade furniture to specified color for finish, utilizing knowledge of wood properties, finishes, and furniture styling. Smooths surface for finishing, using sandpaper or power sander. Selects and mixes finish ingredients to obtain specified color shade or to match existing finish. Brushes or sprays successive coats of stain, varnish, shellac, lacquer, or paint on work piece. Grains wood or paints wood trim, using graining roller, comb, sponge, or brush. Polishes and waxes finished surfaces. In general, this worker requires extensive knowledge of surface peculiarities and types of finishes required for different applications usually acquired through considerable on-the-job training and experience.

Note: Antiques are valued on an Actual Cash Value basis only.

Glassware*
Individuals make items from glass including miniature figurines, candy dishes, stained glass, and a variety of other decorator items.

Handicrafts*
Items are created by persons skilled in using their hands. Merchandise may include embroidery*, tatting, knitting, crocheting, etc. Blacksmiths are eligible under this class. The making of and/or sales/distribution of toys as well as the making of candles and/or the sale/distribution of homemade candles is not eligible under this class.

Note: Upholsterers should be rated separately under class 100.

*For insured’s only doing embroidery see the Embroidery class under Clothing Businesses.

Jewelry (costume)*
Costume or “fashion” jewelry is made out of base metal that may have filling, electroplating, and overlays. Products containing fake or semi-precious stones contained in base metal settings are considered costume jewelry. Sterling silver is acceptable. Fine jewelry is not eligible under this class. Fine jewelry is defined as any product containing real gold or alloys, precious stones (i.e. diamonds, rubies, sapphires, etc.). The cost of fine jewelry is significantly higher than that of costume jewelry.

Representatives and distributors of Accentz, Bead Retreat Ltd., Bracelet Club, Chu’s Pearls LLC, Cookie Lee Inc., Creative Beading Inc., Earth’s Elements, F.A.I.T.H. Company, Fifth Avenue Collection Ltd., Latasia & Company, Lia Sophia, Luxe Jewels, M Studio Inc., Michele Baratta at Home, Premier Designs Inc., Sarah Coventry, Silpada Designs, South Main Designs, The Glass Bracelet, Three Girls Who, Touchstone Crystal LP, Traci Lynn Fashion Jewelry, U Design Jewelry, Vantel Pearls in the Oyster and Yoffi Fine Jewelry are eligible operations for this classification.

Leather Goods*
Consists of individuals who manufacture leather items including luggage; briefcases; handbags; purses; wallets; belts; cases for keys, cards, coins, glasses, jewelry and toiletries; and other leather accessories and novelties. The products may be constructed of total or partial-leather content, and may include wood, metal, plastic reinforcements, and hardware. The individual may receive fully tanned leathers from tanneries or may opt to handle the final stages of tanning themselves. Animal/pet accessories are not eligible under this class.

Wooden Furniture Crafters*
Eligible risks craft and assemble wooden household furniture. Adirondack chairs and picnic tables are good examples of eligible furniture. Ineligible furniture includes upholstered furniture and infant furniture including but not limited to cribs, cradles, changing tables, furniture found in a nursery, and playpens.

Note: Selected Products Liability Exclusion will be attached to all policies written for this class.

Wood Products*
Individuals make a variety of items out of wood and will oftentimes sell them at trade shows and fairs. Eligible items are frames, pictures, sculptures, desk sets, address numbers, screen doors, vases, bowls, cup, etc. Everyday household type products such as kitchen cabinets, benches, chairs, tables, headboards, etc. are not eligible under this class. Wooden toys are not eligible under this class.

*NOTE – IN STATES WHERE APPROVED: Communicable Disease Exclusion will be attached to all policies written for this class.