Cosmetic Product Liability

We offer affordable Product Liability, General Liability, Property, Package and Worker's Compensation coverages for Cosmetic Product manufacturers. We can protect your business whether you manufacture your own products, sub-out the manufacturing, or import your products directly from overseas.

Product Liability insurance protects manufacturers and suppliers when claims are made for injuries and damage incurred in the use of their goods or products. Product Liability insurance can be purchased on a stand alone basis or as part of a broader General Liability policy. In most cases, it does not cost significantly more to purchase the broader General Liability policy (which includes Product Liability) and this is clearly in the best interests of the manufacturer or distributor.

The typical modern General Liability coverage form contains the following component coverages:

• Premises And Operations – Protects against covered lawsuits alleging bodily injury or property damage caused by an occurrence arising from the premises or operations of the insured.
• Products And Completed Operations – Protects against covered lawsuits alleging bodily injury or property damage caused by an occurrence arising out of the sale of a defective product (products liability) or out of a completed operation (ex: construction of a building). Products And Completed Operations Coverage can only be triggered after the final sale of a product or construction job.
• Personal / Advertising Injury – Protects against certain lawsuits arising from personal injury (ex: slander, libel, false imprisonment) or advertising injury (ex: disparagement of a competitor’s product or service).
• Damage To Premises Of Others – Protects against certain covered lawsuits when the insured damages the premises of a landlord.
• Medical Expense Payments – Protects against certain covered lawsuits arising from guest injuries (ex: slip and fall) while on your premises.

We offer a wide variety of A-rated insurance companies who specialize in the cosmetic industry.

Let us help you to protect your business by offering you insurance products that are tailored to meet your specific needs.

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