Cosmetics Industry Insurance
Liability Insurance for Cosmetics Manufacturers, Distributors & Importers
With our FOUNDATION® program, Brownyard Group provides specialized liability insurance to the domestic cosmetics industry. Our team has decades of industry expertise to help businesses navigate complex risks.
Who We Insure:
- Cosmetics Manufacturers
- Cosmetics Importers
- Cosmetics Distributors
Why Choose
Cosmetics businesses face unique risks, from product safety and regulatory compliance to liability from consumer claims or recalls. FOUNDATION gives brokers specialized coverage to help clients protect their brand and manage these challenges with confidence.
Core Coverages Include:
- Comprehensive coverage
- Product Recall coverage
- Additional Insured Vendors Blanket coverage
- Employee Benefits Liability ($750 Flat Fee)
- Hired and Non-Owned Auto
- World-Wide coverage (Form CG2422 – with carrier approval)
- Demonstrators Liability, Primary & Noncontributory
- Additional Insured Vendors Blanket coverage
For our General Liability clients, our Commercial Property product provides coverage for:
- Building and Business Personal Property coverage
- Business Income and Extra Expense coverage
- Tenant Glass and Sign coverage
Commercial Excess Liability coverage can be tailored to meet your specific needs and exposures. In general, these products are:
- Licensed in most states
- Available with limits up to $5,000,000 to protect against that once-in-a-lifetime judgment
Ready to Apply?
Submit completed applications to info@brownyard.com
Questions?
Call Teri Pereira at 631-666-5050 ext. 118 for more information about this program
| Name | Format | Download |
|---|---|---|
| Foundation Product and General Liability Application |
Download |
Commercial Property – Requires ACORD forms 125 & 140
New Business – Requires ACORD forms 125 & 126 along with any loss runs that are available (4-5 years worth is preferred.)
Eligibility Map
Key:
- Eligible States
- Ineligible States
FAQs - Questions About Cosmetics Industry Insurance
Please ask your agent or broker to submit the completed required information as soon as you can. We can usually have a quote for you within a few days.
- For General Liability and Product Liability: Completed, signed Foundation application
- For Property: Completed, signed ACORD applications
- Five-year loss run information
- We will require the original, signed application to bind coverage
- W-9 Form
- Agency/Broker License
- Proof of Errors & Omissions (E&O) Insurance – Certificate or Dec Page
- Proof of Fidelity (Crime) Insurance – Certificate or Dec Page
FOUNDATION® cosmetics manufacturers insurance is available in all states.
We can provide limits as high as $6,000,000.
Yes. Our policies are subject to minimum premiums which vary depending on the coverage limits. Our Cosmetics program starts with minimums of $2,600 for Commercial General Liability policies and $1,600 for Product Liability Only policies.
Yes, we can provide general liability including product liability in all states. We can also offer coverage for product liability only.
Yes. Please ask your broker or our underwriter for more detail.
Yes. See our Foundation Core Coverages section for more detail.
We only write our program through the very best carriers that have ratings of A+ (“Superior”) or better.
The coverages we offer through our program are not only very broad, but very reasonably priced.
No, we value the relationship between you and your insurance representative and encourage you to stay with a local broker for the best possible service.