Cosmetic Liability Insurance

Cosmetic Liability Insurance Created for You

You’ve worked hard to establish yourself in the beauty industry. We know you’re passionate about helping people feel their best, and we’re proud to work with business owners like you. Our custom beauty product insurance is here to help protect your business in all the ways you need.

Who Needs Cosmetic Product Insurance?

Our cosmetic product insurance can help protect:

Cosmetic product retail stores
Cosmetic product distributors

What Insurance for Beauty Products Do I Need?

If you’re wondering what coverages you need in the cosmetic industry, it’s a good idea to start with a Business Owner’s Policy (BOP). This bundles together:

General liability insurance, which helps protect your business from claims of bodily injury and property damage.
Commercial property insurance, for help covering your business’ property whether it’s owned, leased or rented.
Business income insurance, to help pay your lost income if you have to close from an unexpected covered loss.

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Additional Beauty Product Insurance Coverages

Depending on the risks your cosmetic company faces, you may also want:

Excess liability coverage
Product recall coverage
Hired and non-owned auto liability

Covering Your Operations

We know you work hard to keep your cosmetics company running successfully. As an insurance carrier that’s worked with countless small business owners like you, we know the struggles and challenges you face every day. We’re here to provide the kind of coverages you need to protect your business best with our cosmetic liability insurance.

In 2018, the U.S. was the leading market for cosmetics, fragrances and personal care products, with a revenue of over $89 billion.¹

Customer Injury

“We had just had our floors redone, so they were a little slick. We did have signs posted, but an older customer slipped and fell, requiring a 911 call.”

Commercial general liability insurance can help pay for bodily injury or property damage claims.

Computer Hack

“I keep all of my customer information using a certain software. Somehow, a hacker got in to the system and stole all the info, including email addresses and credit card numbers.”

Data Breach helps you pay for response expenses, legal costs and income protection if the sensitive personal information you collect or store is lost or stolen.

Covering Your Property

It’s expensive to be competitive and successful in today’s beauty industry. From setting up your store to managing your staff, there’s so much that goes into hitting your sales goals. Our cosmetic liability insurance was created specifically for small business owners like you, offering the protection you need to keep your company running smoothly.

Inventory shrinkage costs the U.S. retail industry over $45 billion each year.²

Fire Damage

“The restaurant next door had a bad fire after hours, taking over my store with terrible smoke damage. Because of my franchise contract, I had to make major upgrades to bring everything current.”

Franchise Upgrade helps pay additional costs a franchisee may incur to upgrade damaged property to franchise standards following a covered loss.

Employee Theft

“I noticed a box of expensive perfumes I had ordered were missing. I notified the shipping company and it turned out that they were delivered, but my employee had stolen them.”

Employee Dishonesty provides coverage if an employee steals money, securities or other property owned by your business.

Covering Your Team

Keeping your employees safe is one of the most important aspects to protect your business. No matter how careful business owners try to be, accidents happen every day. From bodily injury issues to employee incidents, having the right cosmetic liability insurance can make all the difference.

Private industry employers reported 2.8 million nonfatal workplace injuries and illnesses in 2019.³

Employee Injury

“After years of stocking shelves, one of my employees started having pain in her wrist. She was diagnosed with carpal tunnel and now goes to physical therapy on a weekly basis.”

Workers’ compensation insurance can help pay for benefits for an employee with a work-related bodily injury or illness.

Employee Harassment

“I hate letting employees go, but after one of my staff reported that she was being sexually harassed, I had no other choice. After firing the individual, I received notification that he was suing me for discrimination.”

Employment practices liability insurance (EPL) provides coverage if you’re sued by an employee, patron or vendor alleging discrimination, sexual harassment, wrongful termination or other types of claims relating to your employment practices.

The Best Cosmetic Liability Insurance for Your Business

To get the kind of coverages you need, you’ll want to compare insurance carriers and the options they each provide. With us, you’ll find an insurance company who puts their clients first and offers the kind of customer service you’ll appreciate.

We’ve been helping small business owners like you for over 200 years. We’d be honored to help you get the insurance coverages you need to help protect your business best.

Other beauty and wellness professions we also insure include:

What insurance do I need for cosmetic liability insurance

Beauty Liability Insurance That Has Your Back

We’ve worked hard to create specialty cosmetic insurance coverage to keep your small business protected.

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