Veracity Insurance Solutions, LLC is a recognized leader in the beauty and cosmetics product liability space, offering tailored insurance solutions for over 3,000 clients nationwide. As a Managing General Underwriter and Excess & Surplus Lines Broker, Veracity brings deep industry expertise and a strong commitment to protecting businesses involved in manufacturing, distributing, importing, or reselling beauty and personal care products.
Comprehensive Product Liability Coverage for the Beauty Industry
Beauty and personal care businesses face unique liability exposures that standard general liability policies may not fully address. Veracity’s Beauty Products Liability Insurance program is specifically designed to fill those gaps—providing broad protection for bodily injury, property damage, product withdrawal, pollution liability, and more. Whether your client is a small startup or a national brand, this program is flexible enough to meet the needs of a wide range of operations.
Ideal Accounts and Target Products
This program is ideal for agents with clients who manufacture, distribute, import, or sell:
- Cosmetics and skincare products
- Hair care and toiletries
- Essential oils and fragrances
- Spa supplies and beauty accessories
- Topical animal care products
- Jewelry, candles, apparel, and pre-made bases
You might have a client who sells facial serums at tradeshows or a private-label pet shampoo manufacturer—both are excellent candidates for this program.
Program Highlights and Key Coverages
- Low minimum premiums (varies by risk)
- 24-hour quote turnaround
- Worldwide coverage available
- Limits up to $50,000,000
- Low deductible options
- Product withdrawal and pollution legal liability
- Hired/non-owned auto coverage
- Employee benefits liability
- Inland marine and tradeshow coverage
- Additional insured vendors endorsements included
Underwriting Flexibility and Program Access
Veracity works with multiple carriers to offer flexible underwriting and competitive rates. Minimum premiums vary based on the size and scope of the business, but the program is designed to accommodate startups to well-established brands. Coverages are available on a non-admitted basis in all 50 states and Washington, DC, giving agents broad market access wherever their clients operate.
Why Work With Veracity Insurance Solutions?
Veracity’s niche focus on product liability in the beauty and cosmetics industry sets them apart. Their team understands the unique risks associated with personal care products and offers responsive service, fast turnaround times, and comprehensive coverage structures. Agents benefit from working with an experienced partner who knows how to navigate regulatory concerns, product safety issues, and global exposures.
Target Products
Cosmetics
Skin Care Products
Hair Care Products
Toiletries
Jewelry
Candles
Essential Oils
Perfume & Body Fragrances
Topical Ointments
Pre-Made Bases and Materials
Beauty Accessories
Spa Supplies
Topical Products for Animals (shampoos, ointments, etc.)
Program Highlights
Low Minimum Premiums
24-Hour Quote Turnaround Time
Additional Insured Vendors Endorsements Included
Inland Marine Coverage
Hired/Non-Owned Auto Coverage
Employee Benefits Liability
Tradeshow Coverage
Product Whithdrawal Coverage
Pollution Legal Liability Coverage
Low Deductible Options
Worldwide Coverage
Limits Up to $50,000,000
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for manufacturers, distributors, importers, and resellers of beauty, skincare, grooming, and cosmetic products—including pet care and wellness items.
Can startups or small businesses qualify for coverage?
Yes. Veracity offers flexible underwriting and low minimum premium options that accommodate new ventures and small businesses.
Is coverage available nationwide?
Yes, this program is available in all 50 states and Washington, DC through non-admitted carriers.
Does the policy include coverage for tradeshows and events?
Yes, tradeshow coverage is included, making it a great fit for clients who sell or promote products at events.
How quickly can I get a quote?
Veracity typically provides a quote within 24 hours after receiving a complete submission.
Need help placing an account? Connect with a market specialist.