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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Quick and easy insurance for my mobile DJ business.
October 19, 2022The process to apply for insurance was very easy and I appreciated how smooth it went. However, I didn’t like auto renew without my permission. I’m 69 and... Read More I don’t know what I’ll be doing next year so please unroll me from auto renew. Other than that I liked the simplicity of the online application.
May 26, 2023Excellent online experience, clean, clear instructions. At the right price too.
September 26, 2022 -
Reliable, 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, 2023Very easy to obtain a policy
December 6, 2022Good insurance! Quick!
October 19, 2022 -
It has been great working with Insurance Canopy and especially Faith Ortiz. A+++
May 26, 2023Super easy and straightforward.
October 12, 2022Incredibly user-friendly set up. Super impressed with the ease of purchasing my policy. Great!
June 26, 2022 -
Very easy to quote and bind! Excellent price for the coverage.
August 26, 2022Easy to sign up and great customer service!
February 6, 2023Beta use only // easy, great… unbelievably easy to add and remove and insured and uninsured… almost too easy so thank you dad
May 26, 2023 -
Instructor at Orange Door Yoga in Grand Junction, Co
February 20, 2023They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others.
September 26, 2022Sarah was outstanding!!! Wonderful customer service with a smile and a laugh!! Doesn’t get any better than that!
February 6, 2023 -
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, 2022Website Easy To Navigate And Price For Insurance Cover Is Excellent. Thank You For Insuring My Event! 👊🏾
May 26, 2023This was a very easy process of purchasing DJ insurance, I mostly like the affordable reasonable rates.
June 19, 2023 -
It was easy to fill the forms out online and all the information
August 26, 2022Wonderful quick and easy!
December 6, 2022Easy to use. Very good user experience. Definitely recommend insurance copy for fellow musicians performing live at events etc.
June 26, 2022 -
Great service
August 26, 2022Easy. Quick. Responsive on chat.
May 29, 2023I am so pleased to have found "Insurance Canopy" to handle my business insurance. Karen M. was extremely knowledgeable, courteous and timely in getting me the proper insurances. ... Read More Prior to finding them I had spent many wasted hours talking with ordinary "customer service" reps at other online companies who just gave me the runaround. I am very fortunate to have found "Insurance Canopy". Karen is a bona fide "insurance agent" opposed to just a "customer service" rep. She can actually explain the details of business insurances, unlike the others. I highly recommend this company. Thank you Karen! Sincerely, Edward B.
May 29, 2023 -
The only company I use for event insurance! The best!
October 5, 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, 2022Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!
September 26, 2022 -
Very easy and efficient. It was just what I needed
February 27, 2023Very Easy and affordable
March 4, 2023I’m so happy with your company!!!
October 19, 2022
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Beta use only // easy, great… unbelievably easy to add and remove and insured and uninsured… almost too easy so thank you dad
May 26, 2023 -
Love 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 site to work with.
June 5, 2023 -
Good insurance! Quick!
October 19, 2022 -
Very easy process. Stefani stayed on the phone and walked me through the process. Took about 5 minutes and my group was insured. Excellent service.
June 26, 2022 -
Customer service and experience was great. Appreciate the patience and knowledge. Thank you.
May 26, 2023 -
I have been djing for over a decade, but just started my dj business this year. Getting insurance was something I was dreading, but Ins Canopy made the process so... Read More easy. I had a lil difficulty with the application and was helped right away. I got my policy seconds after purchase. My only regret is that I didn't purchase an annual policy, which I will be doing next month. Hopefully there is a discount! 😉
September 26, 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 -
I’m so happy with your company!!!
October 19, 2022 -
Incredibly user-friendly set up. Super impressed with the ease of purchasing my policy. Great!
June 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
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.
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.