Cosmetic Liability Insurance

You’ve worked hard to establish yourself in the beauty industry. We know you’re passionate about helping people feel their best, and we’re proud to work with business owners like you. Our custom beauty product insurance is here to help protect your business in all the ways you need.

Who Needs Cosmetic Product Insurance?

Our cosmetic product insurance can help protect:

Cosmetic product retail stores
Cosmetic product distributors

What Insurance for Beauty Products Do I Need?

If you’re wondering what coverages you need in the cosmetic industry, it’s a good idea to start with a Business Owner’s Policy (BOP). This bundles together:

General Liability Insurance: Helps protect your business from claims of bodily injury and property damage. In the beauty industry, this can include instances where a customer has an adverse reaction to a product or slips and falls in your store.
Commercial Property Insurance: Covers your business’ property, whether it’s owned, leased, or rented. This includes your store, equipment, and inventory. For cosmetic retailers and distributors, this means safeguarding your shelves of products, display units, and even the storefront itself.
Business Income Insurance: Helps pay your lost income if you have to close due to an unexpected covered loss, such as a fire or severe weather event. This ensures that your financial health remains stable even if your business operations are temporarily halted.

Additional Coverages to Consider

While a BOP provides a solid foundation, there are other specific coverages that can further protect your cosmetic business: Coverage options can include:

Product Liability Insurance
Professional Liability Insurance
Cyber Liability Insurance

Protecting Your Cosmetic Business Operations

From developing new products to managing your retail space, running a cosmetic business involves many operations that need protection. Coverage options can include: