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The full beauty & cosmetics insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
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Required for most beauty and cosmetics operations
GL policies for beauty brands sometimes include endorsements that restrict or exclude claims from product application or ingredient sensitivity. The policy is reviewed to confirm that cosmetic product claims, including skin contact and allergic reaction, are covered rather than excluded by endorsement.
Read the General Liability guideWhen a consumer alleges harm from your cosmetic or skincare product, this line pays for defense and settlement. For example: a customer reports a rash after using your serum, and product liability funds the legal defense and any settlement. Common triggers include allergic contact dermatitis, chemical burns from active ingredients, and contamination. This is the coverage line carriers restrict most aggressively for topical and personal care products.
Read the Product Liability guideA single class action from a contaminated batch or a product with an undisclosed allergen can exceed primary GL limits. Umbrella coverage extends above general liability, product liability, and employers liability. Beauty brands with retail distribution typically need limits above the primary layer.
Read the Umbrella Insurance guideCommon for DTC and retail-distributed brands
GL excludes recall costs. A voluntary or FDA-mandated recall under MoCRA triggers expenses for notification, retrieval, warehousing, destruction, and public communications. Standalone recall policies cover both first-party costs and third-party liability from the contaminated product.
Read the Product Recall guideDTC beauty brands collect payment card data, customer PII, and purchase history through Shopify, Amazon, and direct channels. A cyber sublimit on your GL is not a substitute for standalone coverage that includes breach notification, forensic investigation, regulatory fines, and business interruption.
Read the Cyber Liability guideYour warehouse, inventory, raw materials, and equipment are covered against fire, theft, and storm damage. Cosmetics inventory includes temperature-sensitive products and regulated ingredients that may be difficult or time-consuming to replace after a covered loss.
Read the Commercial Property guideDepends on your specific operation
Brands that also provide consulting, formulation services, or professional beauty treatments carry a separate professional liability exposure. This line covers claims alleging negligent advice, improper product recommendations, or errors in formulation consulting that result in client harm. Standard GL does not cover professional services.
Read the Professional Liability guideOnce you have employees in manufacturing, fulfillment, or warehouse operations, most states require this coverage. Premium is rated on payroll under NAICS 325620 for cosmetics manufacturing or the applicable warehouse and distribution class code, depending on your operation type.
Read the Workers Compensation guideEach coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
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