Business Insurance for Cosmetics Wholesalers

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Cosmetics & Toiletries Distributor
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Why do cosmetics distributors and wholesalers need insurance?

A fire at your warehouse could bankrupt a small cosmetics wholesaler. Business insurance helps you recover from fire, theft, injuries, and accidents. It also covers legal costs if a customer sues over harm caused by a product.

An employee at a cosmetics wholesaler checking beauty products on a conveyor belt.
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Get same-day insurance

With Insureon, cosmetics wholesale distributors can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of insurance do cosmetics wholesalers need?

These insurance policies cover common risks of wholesale cosmetics.
General liability insurance icon

General liability insurance

This policy covers basic cosmetics wholesaler risks, such as customer property damage and injuries. Bundle it with commercial property insurance for savings in a BOP.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for cosmetics wholesalers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Medical costs for workplace injuries
  • Disability benefits
  • Employee injury lawsuits
Business owner’s policy icon

Business owner's policy

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

BEST FOR
  • Customer injuries
  • Stolen or damaged inventory
  • Business interruption incidents
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts the limits on a cosmetics wholesaler's general liability insurance, commercial auto insurance, and employer’s liability insurance policies.

BEST FOR
  • Product liability lawsuits
  • Employee injury lawsuits
  • Auto accident lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers costs when a delivery truck or other vehicle owned by a cosmetics wholesaler gets into an accident. Each state has its own requirements for auto liability insurance.

BEST FOR
  • Auto accident injuries
  • Property damage caused by your vehicle
  • Vehicle theft and vandalism
Cyber liability insurance icon

Cyber liability insurance

A cyber liability policy helps cosmetics wholesalers recover from data breaches and cyberattacks. It's recommended for any small business that stores credit card numbers or other sensitive data.

BEST FOR
  • Customer notification costs
  • Credit monitoring services
  • Data breach investigations
Looking for different coverage? See more policies.

How much does insurance cost for wholesalers? 

Woman calculating wholesale costs with cargo, truck, and people.

A wholesale makeup distributor with only a few employees will pay less for insurance than a larger company.

Factors that affect premiums include:

  • Wholesale products offered, such as skin care and beauty products
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
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How do I get insurance for cosmetics wholesale distributors?

It's easy to get business insurance and surety bonds for 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 insurance coverage for your wholesale cosmetics business, whether you work independently or hire employees.

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Cosmetics & Toiletries Distributor