Liability Insurance for the Bath and Beauty Microbusiness Community

I am posting this ad for Stratus Insurance, letting everyone know about the great deal they offer to the bath and beauty microbusinesses.  I was in negotiations with them for both the Guild and the 1800+ member Yahoo! natural perfumery group and the natural perfumery community at large.
 
They're offering great rates to the Natural Perfumers Guild, and some folks might want to join to save over non-Guild rates ;-) Don't forget we have a 20% off rate for Guild memberships until 11:59 PM February 14th. http://naturalperfumers.com/payment20.htm

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 - this will work for everyone at this time. I will work with Natasaha Gray of Stratus to confirm Guild members, 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/$475yr.
non-Guild: $1M/$525yr.

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 you can increase Aggregate and Products to $2,000,000 at any time during the policy.