I am looking for any information where a small time operation, such as myself, can purchase product liability insurance. I cannot afford the Soapmaker's Guild for $520 a year, nor the Indie Insurance. I called RLI and it sounded promising and was something I could afford, but I was refused when the agent asked what was in my soap. When I mentioned I used goat's milk in some of my soaps from our own Alpine goats - I got a definite NO & was refused insurance. I want to do the right thing, but I only sell about $200 to $300 a year in soap, lotion & lip balm in a small family run bakery gift shop where I work. It just doesn't make sense to spend $500 in year in insurance. I have tried State Farm & American Family - both NO! Does anyone know of an insurance that covers my particular situation for maybe $200-250 a year or am I dreaming??! I live in Oregon, if that makes any difference. Thanks for any help!