Soy Wax Candle Forum - Online resource for soy candle makers

I saw an interesting topic on a Yahoo discussion group recently.

How many people here carry liability insurance? If so, what policy do you have----something from Indie Beauty Network, HSMG, or RLI?

If you don't carry insurance, what is your reason?

I only make candles for my own pleasure, but might consider taking the hobby to the next level, and am interested to know what others think about the insurance.