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.

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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
  
  

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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. 

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