Beauty & Cosmetics
Product Liability Insurance
Get Top-Rated Beauty & Cosmetic Product Insurance
Beauty & Cosmetics
Product Liability Insurance
Get Top-Rated Beauty & Cosmetic Product Insurance
Product Liability Insurance
For Beauty & Cosmetic Products
- Affordable Coverage
- Buy Online Quickly
- Personalized Policies
- Industry Approved
Who Needs Beauty & Cosmetic Insurance?​
What Is Beauty & Cosmetic Product Insurance?
Beauty & cosmetic insurance can protect your business from claims due to your products and business operations—such as bodily injuries and property damage.
To make finding the right cosmetic coverage easier, Insurance Canopy bundled all your needs into one customizable plan. Some of the coverages offered with beauty product insurance include:
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General Liability Insurance
Customers may sustain injuries if they slip in your store, or an employee may damage the floors of a warehouse delivering your products. -
Product Liability Insurance
Mislabelling your product or manufacturing defects may lead to allergic reactions, chemical burns, rashes or illnesses. -
Tools & Equipment Insurance
May protect against damages to products or business equipment that occur during transportation over land.
We Can Insure
Beauty product insurance starts at $89.10 per month (after initial payment of $279). That’s as low as $3.25 per day, making beauty product liability more affordable than ever.
Prices for your beauty, cosmetic, or 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.
Handmade Products
Homemade Products
Indie Beauty Brands
Indie Beauty Brands
Skincare Products
Skincare Products
Beauty Product Liability
Why Choose Insurance Canopy?
We Have A (Nearly) 5 Star Rating
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Simple and easy on line process and I saved money compared to a large nationally known insurer
January 6, 2023Very easy to quote and bind! Excellent price for the coverage.
August 26, 2022Easy to sign up and great customer service!
February 6, 2023 -
Super easy and straightforward.
October 12, 2022Reliable, efficient and affordable! The new online form was quick and simple, it took me less than 15 minutes to complete. They are also very quick on answering any... Read More questions we have.
May 26, 2023Fast Great Reasonable Coverage Price!!!! Very helpful to all who needs insurance right away and to any type of business who has to comply with proof of insurance. it's... Read More simple straightforward application available online. I would highly recommend this insurance.
December 6, 2022 -
The only company I use for event insurance! The best!
October 5, 2022It was easy to fill the forms out online and all the information
August 26, 2022Instructor at Orange Door Yoga in Grand Junction, Co
February 20, 2023 -
Customer service and experience was great. Appreciate the patience and knowledge. Thank you.
May 26, 2023Very Easy and affordable
March 4, 2023Easy to follow instructions on establishing my DJ liability insurance. Pricing was the best I've found to suit my needs.
September 26, 2022 -
The lady patiently help me out through the proces. I think her name is Stephanie. She stayed on the phone until I was done. My whole hearted thanks to... Read More her.
July 26, 2022Was in a jam. Needed the insurance for a gig coming up and the process was sooo simple! The coverage is exactly what they were looking for and we are... Read More all ready go! Thanks Insurance Canopy! This was great!
October 12, 2022Faith at Insurance Canopy is great to work with. She is very responsive and efficient with responses when requests are made and always with a positive attitude. She is... Read More great to work with!
March 3, 2023 -
So far this company has been great. Answered my questions promptly and got a quote promptly.
October 12, 2022Wonderful quick and easy!
December 6, 2022Love y’all! I highly recommend performers to use your services. I have also recommended your company to BMI. ASCAP. SESAC, etc. to list you as a resource for Entertainers. Thank... Read More you so very much!
February 27, 2023 -
Great service
August 26, 2022You can't beat the price and once I called in, the guy I spoke with told me everything I needed to know and I was signed up within minutes. Amazing!!!
July 26, 2022I’ve been looking for the right insurance company. And I’ve found it ! Awesome prices and great coverage plans. Thank you !!
August 26, 2022 -
It didn’t start out so smooth but Jamal was helpful getting my additional insured added
June 12, 2023Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!
September 26, 2022Easy to use and reasonably priced
June 19, 2023 -
Easy to use. Very good user experience. Definitely recommend insurance copy for fellow musicians performing live at events etc.
June 26, 2022It has been great working with Insurance Canopy and especially Faith Ortiz. A+++
May 26, 2023Your insurance provisions work perfectly for me. No overhead or long term contracts and I'm able to pass along the cost to my clients. Thanks!?
July 26, 2022 -
Very easy and efficient. It was just what I needed
February 27, 2023Amazing service. Very fast, straightforward and helpful. Thank you for providing me with the necessary insurance coverage for my company and equipment. ???
October 12, 2022They took care of business! Easy process and cheap price to pay for peace of mind and being able to say you are a pro and fully insured.
February 13, 2023
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My personal liability insurance for teaching fitness classes was so easy to set up! Plus, I needed to make a correction and their customer service was very prompt. Highly recommend... Read More for group fitness instructors.
December 6, 2022 -
I’m so happy with your company!!!
October 19, 2022 -
Amazing service. Very fast, straightforward and helpful. Thank you for providing me with the necessary insurance coverage for my company and equipment. ???
October 12, 2022 -
Exactly what I needed
December 6, 2022 -
Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!
September 26, 2022 -
Great rates and so easy to sign up!
January 6, 2023 -
Quick and painless way to get insured
February 20, 2023 -
Web site was very clear and easy to use
January 6, 2023 -
This was a very easy process of purchasing DJ insurance, I mostly like the affordable reasonable rates.
June 19, 2023 -
Very easy to quote and bind! Excellent price for the coverage.
August 26, 2022
Coverage Details
1 Additional Insured: $15, Unlimited Additional Insureds: $30
Limits Of Liability
The most your policy will pay for bodily injury and property damage claims, occurring during your coverage, as a result of your business operations.
$2,000,000
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
$2,000,000
- 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
$1,000,000
The maximum amount paid per incident during the term of the policy.
$1,000,000
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.
$5,000
Additional Endorsements & Coverage
An additional cost will be added for this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$100,000
$1,000
Questions About Beauty & Cosmetic Insurance
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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No, a general liability insurance policy alone cannot cover cosmetic product liability claims. General liability insurance is coverage for your business operations, not your products. It can only cover claims of customer slips, trips, and falls in your store, or your delivery driver accidentally breaks something at the drop-off location.
If someone is injured or their property is damaged because they used your product, that requires product liability insurance coverage. This means a customer purchased a product you sold, designed, imported, or manufactured and using that product led to an accident. This could be a rash from a cream or a perfume staining clothing.
You need a cosmetics insurance plan that includes product liability coverage. Luckily, Insurance Canopy’s policies include both general and product liability insurance.
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.Â
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
Let’s say your store begins selling a new skincare cleanser that contains essential oils. You recommend the product to a customer, advising them to 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.Â