Cosmetics Sales Business Insurance

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Why do cosmetics retailers need business insurance?

When you work in the beauty industry, you could be held liable for adverse effects to products, such as an allergic reaction to perfume. Business insurance helps pay for legal costs if a customer sues over an injury or damaged property. It also covers theft of inventory, fires, and car accidents.

Makeup and skin care products on shelves in a cosmetics shop.
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Find affordable coverage

Independent sales reps and small cosmetics companies can save money on insurance by comparing quotes from top-rated providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.

What types of business insurance do cosmetics retailers need?

These insurance policies cover common risks in the cosmetics industry.

General liability insurance icon

General liability insurance

This policy covers common third-party accidents. It may include product liability insurance for protection against harm caused by soaps, lotions, and other beauty products.

  • Allergic reactions to cosmetic products
  • Property damage caused by products
  • Libel and other advertising injuries
Business owner’s policy icon

Business owner's policy

A BOP bundles general liability and commercial property insurance in one plan. It's often the most cost-effective type of business insurance for sellers of cosmetic products.

  • Injuries caused by skin care products
  • Theft of beauty products
  • Business property damage
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for small businesses that have employees. It also protects independent cosmetic sales reps from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy covers the cost of accidents involved cosmetics delivery vans and other business vehicles. Each state has its own requirements for auto liability coverage.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Cyber insurance icon

Cyber insurance

This policy helps cosmetics retailers survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts coverage on your cosmetics shop's general liability, employer’s liability, and commercial auto insurance once the policy limit is reached.

  • Customer injury lawsuits
  • Auto accident lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for retail stores?

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An independent cosmetics sales rep will pay less for insurance than a large retailer.

Factors that affect insurance premiums include:

  • Services and products offered, such as essential oils or hair care products
  • Business equipment and property
  • Business income and size
  • Type of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get cosmetics sales insurance?

It's easy to get business insurance for cosmetics retailers and cosmetics wholesalers if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right cosmetics insurance coverage, whether you sell products out of your home or own a store.

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