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 $99 per month. 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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They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others.
Roberto Olivares
September 26, 2022Wonderful quick and easy!
shani files
December 6, 2022Great service
lamonte hatch
August 26, 2022 -
Simple and easy on line process and I saved money compared to a large nationally known insurer
Bill Ladwig
January 6, 2023Quick and easy insurance for my mobile DJ business.
Burton Nuse
October 19, 2022I’m so happy with your company!!!
Jenalyn Smith
October 19, 2022 -
Easy to sign up and great customer service!
Maureen Davis
February 6, 2023They 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.
Jimmy Fish
February 13, 2023Quick easy to understand and reasonable. Detailed instructions and easy to ise. Canopy did it all for my team
Kappa Xi
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.
Robert Lesaca
July 26, 2022Rates were very competitive and I had great help when I called with questions. The application was fast and easy to fill out online. I haven’t had to file a... Read More claim, but so far so good!
Katie Gustafson
August 26, 2022It was a very easy experience.
Pamela Burton
February 13, 2023 -
Web site was very clear and easy to use
Ken Reilly
January 6, 2023Very easy to quote and bind! Excellent price for the coverage.
Matt Forneris
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!!!
Michele Gibson
July 26, 2022 -
Very Easy and affordable
barber fire
March 4, 2023Easy to use. Very good user experience. Definitely recommend insurance copy for fellow musicians performing live at events etc.
Ted K
June 26, 2022Super fast and easy to set up. Very reasonably priced.
Rachel Miller
February 6, 2023 -
It was a easy sign up experience .
Laroi Newman
July 26, 2022Very easy to obtain a policy
John Faughey
December 6, 2022Very easy process. Stefani stayed on the phone and walked me through the process. Took about 5 minutes and my group was insured. Excellent service.
Robert Stewart
June 26, 2022 -
Super easy, easy to understand and a great price.
Alan Browning
September 26, 2022Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!
Carlos Navarro
September 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!
joe barton
October 12, 2022 -
Easy to set up And good price! I did shop around and found this company took me 20 minutes to get everything done ...got a custome made Liquor Liability insurance... Read More Anual plan
Carlos Aguirre
June 26, 2022Easy peezy
Tom Razin
September 26, 2022Incredibly user-friendly set up. Super impressed with the ease of purchasing my policy. Great!
Tim Cunningham
June 26, 2022 -
So far, so good.
Jeff Nelson
December 6, 2022Excellent online experience, clean, clear instructions. At the right price too.
Malcom Massey
September 26, 2022Exactly what I needed
Nichole Jackson
December 6, 2022
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Excellent online experience, clean, clear instructions. At the right price too.
Malcom Massey
September 26, 2022 -
Good insurance! Quick!
Ariana Hadavi
October 19, 2022 -
I had the best experience because I spoke with an agent Stephanie Davis that was truly knowledgeable and very patient with me to walk me through the entire process.... I... Read More would recommend insurance canopy to all my family and friends
Cabbage
August 26, 2022 -
They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others.
Roberto Olivares
September 26, 2022 -
Super fast and easy to set up. Very reasonably priced.
Rachel Miller
February 6, 2023 -
I'm excited excellent price
Edgar roberto Lobos
February 20, 2023 -
Easy to sign up and great customer service!
Maureen Davis
February 6, 2023 -
Fast, easy, affordable.
Steve Proctor
September 26, 2022 -
Great service
lamonte hatch
August 26, 2022 -
Very easy to quote and bind! Excellent price for the coverage.
Matt Forneris
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