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Professional Program Insurance Brokerage®
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Professional Program Insurance Brokerage®
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Home-Based Manufacturing Insurance

Professional Program Insurance Brokerage (PPIB) offers: Home Based Manufacturing Insurance

Are you placing accounts that manufacture cosmetic or personal care products from a residential location? Professional Program Insurance Brokerage (PPIB) offers a focused Home-Based Manufacturing Insurance program for small-scale cosmetic manufacturers, private labelers, and boutique distributors who operate from home. The program is built for businesses that formulate, package, and brand their own natural or organic lotions, creams, soaps, salt scrubs, and similar items — not for large industrial plants or facilities using heavy industrial chemicals.

Ideal Accounts and Target Appetite

PPIB’s Home-Based Manufacturing program targets agents with clients such as:
  • Home-based cosmetic manufacturers and formulators
  • Natural and organic skincare producers
  • Private label brands operating from residential locations
  • Small-batch distributors selling online, at markets, or through retail partners
This program works best for insureds who control formulation, packaging, and branding and who use primarily natural/organic ingredients. It is not intended for large-scale, industrial manufacturing, operations using synthetic or regulated chemicals beyond personal care scope, or businesses with heavy production equipment or significant on-site employee exposure.

Coverage Highlights and Advantages

PPIB provides flexible liability and property solutions tailored to the exposures of home-based cosmetic businesses. Typical coverages include:
  • General Liability for premises and operations
  • Products Liability to address bodily injury or property damage from product use
  • Property coverage for eligible contents and equipment (where applicable)
  • Optional endorsements to address unique risks such as additional product exposure or expanded distribution outlets
These options help agents protect clients from claims related to product reactions, labeling errors, packaging defects, and distribution incidents — common risks in small-batch skincare and cosmetics.

Underwriting Notes and Minimum Premiums

This program is offered on a non-admitted basis in available states. Underwriting focuses on product type, ingredient transparency, labeling and ingredient lists, good manufacturing practices for small operators, and distribution channels. Agents should be prepared to provide product lists, ingredient declarations, labeling examples, and information about where and how products are sold. Accounts are reviewed individually; underwriting may decline or restrict accounts that exceed the scope of home-based operations or use regulated chemicals.

Territories and Availability

PPIB’s Home-Based Manufacturing Insurance is broadly available nationwide. The program is open in 48 states plus the District of Columbia and commonly placed in states including CA, TX, FL, NY, IL, and WA. Availability can vary by state and product exposures — submit details for a prompt territory confirmation.

Why Work With Professional Program Insurance Brokerage?

PPIB is a program administrator with deep experience placing creative and hard-to-place risks. Agents benefit from a responsive underwriting team that understands the nuances of small-batch cosmetics, private labeling, and home-based branding. PPIB provides access to specialty non-admitted capacity that may not be available through standard admitted markets, helping you place clients who need tailored product and liability protection.

You might have a client who crafts an organic soap line sold online and at local markets, or a small private-label skincare brand that develops its own formulas and ships nationwide. Those are the types of accounts where this program is intended to help agents secure appropriate limits and endorsements to manage product and premises exposures.

Contact PPIB to discuss eligibility and submission requirements so you can place your clients with confidence.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for home-based businesses that manufacture natural cosmetic products such as lotions, creams, soaps, and salt scrubs. It’s also suitable for small distributors and private label brands operating out of residential locations.

Does the program cover product liability?

Yes, products liability is a core component of the coverage and addresses exposures from the sale and use of cosmetic and skincare products.

Is this program admitted or non-admitted?

This program is offered on a non-admitted basis in most U.S. states through Professional Program Insurance Brokerage.

Can clients who sell their products online or in retail stores qualify?

Yes. Businesses that sell online, through retail outlets, at markets, or at events are typically eligible provided they meet underwriting guidelines around ingredients, labeling, and operations.

What underwriting information is required to submit an account?

Underwriters typically request the list of products manufactured, ingredient lists or declarations, copies of product labels, a description of the production area and processes, and details on distribution channels (online, retail, markets, etc.).

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    -

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