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
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.
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.
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.
Beauty Liability Insurance That Has Your Back
We’ve worked hard to create specialty cosmetic insurance coverage to keep your small business protected.