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.
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.
These insurance policies cover common risks in the cosmetics industry.
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.
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.
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.
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.
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.
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.
An independent cosmetics sales rep will pay less for insurance than a large retailer.
Factors that affect insurance premiums include:
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:
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.