844.520.6993

Beauty & Cosmetics
Product Liability Insurance

Get Top-Rated Beauty & Cosmetic Product Insurance

AS LOW AS

$99/mo*

* $89.10/mo after 25% down

Product Liability Insurance
For Beauty & Cosmetic Products

Who Needs Beauty & Cosmetic 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:

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:

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

We help you meet online and in-stores beauty product insurance requirements, even for products that you make by hand.

Indie Beauty Brands

Indie Beauty Brands

Get quickly covered with our efficient and streamlined online application, even if you're a small, independent, beauty brand.

Skincare Products

Skincare Products

Cosmetics, lotions, and other types of skincare products can be covered by our industry-specific policy.

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.

Why Choose Insurance Canopy?

We Have A (Nearly) 5 Star Rating

  • Thank you so much

    Steve Monreal Avatar Steve Monreal
    July 11, 2025

    I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More

    Jamie Calaway Avatar Jamie Calaway
    July 4, 2025

    Very easy & quick experience. We got insurance in no time with no hassle. Thank you!

    Robert Earnest Avatar Robert Earnest
    July 4, 2025
  • I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More

    Deloris Pacheco Avatar Deloris Pacheco
    June 27, 2025

    great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More

    Gretje Angell Avatar Gretje Angell
    June 18, 2025

    What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!

    Masha Rusanov Avatar Masha Rusanov
    June 18, 2025
  • Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend

    Jay Solis Avatar Jay Solis
    June 18, 2025

    Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More

    Michael Riley Avatar Michael Riley
    June 18, 2025

    Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More

    Anthony Burgess Avatar Anthony Burgess
    June 18, 2025
  • Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.

    queenkiam Avatar queenkiam
    June 18, 2025

    Very easy to renew policy

    Elyce Nissinoff Avatar Elyce Nissinoff
    June 18, 2025

    They can help.you with the right Insurance you need, and the lowest price

    Alvaro Baltazar Avatar Alvaro Baltazar
    May 18, 2025
  • Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.

    David Fox Avatar David Fox
    May 18, 2025

    Affordable for dance & yoga folk. Thumbs up!

    Maia Claire Avatar Maia Claire
    May 18, 2025

    Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!

    Ishan Arvin Avatar Ishan Arvin
    May 18, 2025
  • everything is excellent

    Radames Martinez Avatar Radames Martinez
    May 18, 2025

    I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More

    Matthew Terry Avatar Matthew Terry
    April 18, 2025

    For me, this application process was super efficient and easy to navigate on line. That goes a long way!

    Holly Mulder Avatar Holly Mulder
    April 18, 2025
  • Affordable. Thank you.

    Ana Young Avatar Ana Young
    April 18, 2025

    I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More

    John Corkins Avatar John Corkins
    March 18, 2025

    Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧

    DjVic Universal Sounds Avatar DjVic Universal Sounds
    March 18, 2025
  • I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!

    Denice Lapointe Avatar Denice Lapointe
    February 18, 2025

    Great for Event Insurance - most affordable

    Gaby Nobrega Avatar Gaby Nobrega
    February 18, 2025

    I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More

    ESPIE QUINTERO Avatar ESPIE QUINTERO
    February 18, 2025
  • TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.

    Tenisha J. Avatar Tenisha J.
    February 4, 2025

    Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.

    Ed Levitt Avatar Ed Levitt
    February 3, 2025

    As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More

    Kristie Williams Avatar Kristie Williams
    January 30, 2025
  • This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.

    Tony Felix Avatar Tony Felix
    January 23, 2025

    Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.

    John B Avatar John B
    January 16, 2025

    I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More

    jay gedeon Avatar jay gedeon
    January 6, 2025
  • Thank you so much

    Steve Monreal Avatar Steve Monreal
    July 11, 2025
  • Very easy & quick experience. We got insurance in no time with no hassle. Thank you!

    Robert Earnest Avatar Robert Earnest
    July 4, 2025
  • I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More

    Jamie Calaway Avatar Jamie Calaway
    July 4, 2025
  • I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More

    Deloris Pacheco Avatar Deloris Pacheco
    June 27, 2025
  • great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More

    Gretje Angell Avatar Gretje Angell
    June 18, 2025
  • Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.

    queenkiam Avatar queenkiam
    June 18, 2025
  • What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!

    Masha Rusanov Avatar Masha Rusanov
    June 18, 2025
  • Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend

    Jay Solis Avatar Jay Solis
    June 18, 2025
  • Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More

    Michael Riley Avatar Michael Riley
    June 18, 2025
  • Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More

    Anthony Burgess Avatar Anthony Burgess
    June 18, 2025

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

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

$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

This is the amount we deduct from a claim before paying up to your policy limits.

$1,000

Ready For A Free Quote?
Easy Quote!

Questions About Beauty & Cosmetic Insurance

Choosing the right insurance is critical.

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

Related Articles

Manufacturers

Manufacturing icon showing a beaker of liquid being poured into a cosmetic bottle.

Beauty product insurance can help protect you from claims due to defects, design malfunctions, failure to warn about proper product use, and more.

Manufacturers

icon of a building representing a manufacturing facility.

Whether you manufacture components or assemble completed products, our manufacturer insurance can help protect you from claims due to defects, design malfunctions, failure to warn about proper product use, and more.

Distributors

Grey icon of beauty products.
Having beauty product liability insurance for distributors helps protect you from costly legal fees, product recalls, and a damaged reputation.

Distributors

icon of person moving packages

Often the first person named liable in a claim, having product liability insurance for distributors helps protect you from costly legal fees, product recalls, and a damaged reputation.

Retailers

Grey icon of beauty retail bags.

Because you work directly with consumers, we help protect you from claims related to your beauty products—such as bodily injury or property damage.

Retailers

Icon of a retail store.

Working directly with consumers puts you at high risk of a product liability claim. Retail product insurance can help protect you from product liability claims, general liability claims, and professional liability claims.

Importers

Grey icon of a truck transporting beauty products.

From dock to door, our inland marine coverage helps to protect your beauty products, tools, equipment, and other types of moveable property.

Importers

semi icon

From loading dock to loading dock and loading dock to door, we offer inland marine coverage with our product liability insurance for your products, tools, equipment, and other types of moveable property.

Wholesalers

Grey icon of wholesale beauty products.

Our wholesaler product liability insurance helps to protect your beauty products and business property in the case of theft or damage.

Wholesalers

bobcat icon

Keeping a large inventory of products means you need more than just coverage for product liability claims. Our wholesaler product liability insurance also helps protect your products and property in the case of theft or damage.