Cosmetics Manufacturers

With our FOUNDATION® program, Brownyard Group provides specialized liability insurance to the domestic cosmetics industry, including cosmetics manufacturers, importers and distributors.

Our qualified team of insurance experts, experienced attorneys, and other highly skilled professionals in the cosmetics fields is available to help you minimize your risks, assess your insurance coverage and navigate through any claims you may face with in-house claims servicing.


This tailored program is available in all states and features:

  • The backing of insurance experts who know the cosmetics industry
  • Quick turnaround time on quotes.
  • Expert claims handling and loss prevention.
  • Available financing for premiums.

FOUNDATION specifically insures:

  • Cosmetics Manufacturers
  • Cosmetics Distributors
  • Cosmetics Importers


Brownyard recognizes the unique exposures and risks faced by professionals in the cosmetics industry. That’s why FOUNDATION is the leader in product liability insurance for cosmetics manufacturers, distributors and importers. Our underwriters develop competitively priced, customized programs to meet the needs of the industry and each client. Our programs are written with highly rated, admitted insurance carriers at highly competitive premium rates. Call 1-800-645-5820 for more information about these coverages.

Coverage Highlights:

  • Comprehensive General Liability Coverage
  • Products Liability
  • Employee Benefits Liability
  • Demonstrators Liability
  • Additional Insured Coverage
  • Commercial Property
  • Workers’ Compensation

Commercial Property

For our General Liability clients, the Commercial Property product provides:

  • Building and Business Personal Property coverage.
  • Business Income and Extra Expense coverage.
  • The backing of a highly rated carrier.
  • Competitive premiums.

Coverage is available in most states.

Workers’ Compensation

The Brownyard Group offers custom-tailored Workers’ Compensation coverage to the cosmetics industry through our Brownyard Advantage Program. Our highly skilled and responsive staff provides outstanding service to your account, and you can enjoy the backing of insurance companies highly rated by A.M. Best.

Product Highlights:

  • Highly rated insurance carriers
  • Available in most states
  • Convenient, interest-free payment options
  • Competitive pricing


Please complete the appropriate applications and return them by fax at 631-666-7646 or by email to

Foundation Products Liability Application Download
Foundation Products Liability Renewal Application Download


Frequently Asked Questions about FOUNDATION for Cosmetics Manufacturers

How do we apply for coverage?
It’s easy! Ask your broker to email, fax or mail the completed required information as soon as you can. An Agency Agreement or Appointment is not needed to write this coverage through our program. We can usually have a quote for you within a few days.

In what states is the coverage available?
Available countrywide.

What information is required for a quote?

  • Completed, signed Brownyard application.
  • Four-year loss information.
  • Detailed Resume (for clients with less than three years of experience in the industry).
  • Copy of Broker’s License and proof of Errors & Omissions Insurance.
  • We will need the signed, original application to bind coverages, but no original signature required to quote.

What are your carriers’ ratings?
We only write our program through the very best carriers that have ratings of at least “Superior” or better.

Is your Program admitted?
Yes, our program is admitted in all states.

Are your rates competitive?
The coverages we offer through our program are not only very broad, but very reasonably priced.

Do you provide general liability and products liability for cosmetics manufacturers and distributors?
Yes, we can provide general liability including products liability or products liability only in all states. Call for more details.


Communication and workers’ compensation:

Timeliness in workers’ compensation: