Beauty Product Insurance

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Protect Your Beauty & Cosmetic Products

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With more than a decade of experience in beauty and cosmetic product insurance, we understand the specific requirements you need. Insurance Canopy offers high quality and affordable beauty product insurance plans to businesses that manufacture, import, distribute, or sell beauty products. We have also assisted businesses like yours get products into online and in-store markets such as Ulta Beauty, Target, Walmart, Amazon, and countless others.

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Get instant coverage with our efficient and streamlined online application.

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Customize Your Coverage

Choose from a range of coverages to tailor your beauty product liability insurance.

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Exceed Industry Standards

We help you meet online and in-stores beauty product insurance requirements.

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Who Needs Beauty & Cosmetic Insurance?

Any business owner that imports, produces, distributes, or sells beauty and cosmetics products needs insurance. No matter where your business is in the supply chain you could face risks and be named in a lawsuit if your product causes bodily injury or property damage. Insurance Canopy offers affordable coverage for each group involved in the production process, including:

  • Manufacturers and importers
  • Distributors and wholesalers
  • Retailers
Get Covered Today
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What Coverages Are Offered With Beauty Product Insurance?

To make finding the right cosmetic coverage easier, Insurance Canopy bundled all your needs into one customizable plan. Some of the benefits you can enjoy with our General Liability coverage includes:

  • General Liability Insurance, protection against bodily injury or property damage caused by your business operations
  • Product Liability Insurance, coverage for bodily injury or property damage caused by your products
  • Inland Marine Coverage, which may protect against damages to products or business equipment that occur during transportation over land
Customize My Coverage

Coverage Details

General Liability Limits  
General Liability Aggregate 
The most your policy will pay for bodily injury and property damage claims, occurring during your coverage, as a result of your business operations.
Products & Completed Operations Aggregate 
This is the maximum amount your policy will pay in a 12-month period for product liability claims and completed operations claims.
  • Product Liability claims are the result of bodily harm or property damage incurred by your products
  • Completed Operations claims are the result of bodily harm or property damage incurred by business operations conducted away from your business’s premises—even after business operations have been completed or abandoned
Personal & Advertising Injury 
The amount that your policy will pay for claims arising out of one or more of the following offenses:
  • False Arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful Eviction or Wrongful Entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement
Each Occurrence Limit 
The maximum amount paid per incident during the term of the policy.
Medical Expense Limit 
A general liability coverage that reimburses others, without regard to the insured's liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.
Endorsements and Additional Coverage  
Cyber Liability 
The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, an additional cost will be added if you opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.
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Questions About Beauty & Cosmetic Insurance

Beauty and cosmetics product liability insurance can protect companies who design, manufacture, distribute, or sell beauty, cosmetic, or skincare products from liability claims that may arise from the use of their products. If one of your products causes harm, you could be held responsible for costs due to bodily injury or property damage.

Beauty & cosmetic insurance can protect your business from damages arising from claims due to your business operations.

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Once your business begins manufacturing, distributing, or selling a beauty, cosmetic, or skincare product, you are at risk of being exposed to product liability claims. Your business is an important investment to protect, and we are here to help you potentially avoid financial pitfalls from these claims such as:

  • Bodily injury or harm
  • Property damage
  • Failure to provide warnings or instructions
  • Mislabeling of products
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Beauty product insurance starts at $99 per month. That’s as low as $3.25 per day, making beauty product liability more affordable than ever.

Prices for your skincare insurance may vary based on several different factors, such as sales revenue, coverage amount desired, additional policies, and more. If you have any questions or concerns, our licensed agents are available to help you via our Live Chat feature or by calling 844.520.6993.

Build My Insurance Plan

Your product liability insurance for beauty, cosmetic, and skincare products can be customized to fit the individual needs of your business—whether you are big or small.

Our policy provides coverage for the beauty products or goods manufactured, sold, handled, distributed, or disposed of by you and/or your company. Our policy also offers protection from providing, or failure to provide, warnings or instructions about your products.

At Insurance Canopy, our experienced agents work hard to offer customizable limits and coverages of your policy based upon the exposure that you may have. Additionally, we offer the following optional coverages to better accommodate your business operations:

  • Tools & Equipment Coverage
  • Excess Liability Limits
  • Cyber Liability Insurance
  • Professional Liability Coverage
  • Worldwide Reimbursement
  • Product Withdrawal
  • Employee Benefits Liability


Customize My Coverage

Let’s say your store begins selling a new skincare cleanser that contains essential oils. You recommend the product to a customer, advising they use it in the evenings before they complete the rest of their routine with other personal products. You later receive a claim that the customer suffered an allergic reaction from using this product and they sustained chemical burns on their face. The customer is now suing the manufacturer, brand, and your store for bodily injuries. With Insurance Canopy’s skincare liability insurance, you may be able to avoid substantial legal fees and financial burdens.

In another situation, let’s say your company begins creating a new cosmetics line. An ingredient used in production is later recalled, forcing you to halt business operations and issue refunds to buyers. Several customers are filing claims for bodily injuries. Cosmetics product insurance from Insurance Canopy might help cover the costs of lost revenue and paying for legal fees out of pocket. Our team of professionals can help you navigate through the recall process so you can focus on running your business.

Get Protected Today

Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

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Need additional information before making a decision?

Give our team a call today at 844.520.6993

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Beauty Product Liability

Policies Starting at $99/Month With affordable coverage from A rated insurance carriers, you can have peace of mind knowing you have the beauty product insurance coverage your business needs.