Mary Lou, you've brought up a great issue: insurance. I want to join the soap maker's guild and have insurance before I sell. I'd also like to attend a conference or two before I actually set up a business. Once I attend the conferences, I may decide not to set up a business after all. I also want to learn about herbs, botanicals and EOs. I contacted a lab a couple of weeks ago to find out how much it would cost to have my soap tested/evaluated so I could put the "out of pot" ingredients on my labels and totally skip the lye controversy. It is $7,000 per sample. My labels will clearly state my soap is made with sidium hydroxide.