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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. Ready to place beauty product liability risks? Visit our Complete Markets storefront or learn more on our website. 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 For other product liability needs, visit our Complete Markets Product Liability Storefront! 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.

Policy Highlights for Barber Shop Insurance: Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Barber Shop Insurance program designed for independent insurance agents and brokers looking to place barber-related risks. Whether your client owns a single-chair barber shop or operates a full-service grooming business, this program provides tailored coverage options to help protect their property, operations, and liability exposures. Ideal Accounts and Appetite This program is an excellent fit for a wide range of grooming and personal care businesses, including: Traditional barber shops Independent barber operators Manicurists and nail technicians Masseuses and spa professionals Ear piercing and facial services Beauty makeover specialists Accounts with clean loss histories and professional operations are ideal candidates. The program also accommodates individual professionals working as independent contractors or within larger businesses. Coverage Highlights and Advantages Property Coverage Property insurance is available on a mono-line or package basis and includes options such as: Basic, Broad, or Special Form coverage Building and Contents coverage Business Income coverage Equipment Breakdown Computer Equipment Inland Marine Outside Signs Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value options General Liability Primary limits up to $3 million occurrence/aggregate Included Errors and Omissions coverage at policy limits Independent contractors included as additional insureds Hired and Non-Owned Auto liability Sexual and/or Physical Abuse coverage: $50,000 per claim/$100,000 aggregate (higher limits available) Medical Payments: $5,000 limit Excess or Umbrella limits available up to $25 million No deductible required Crime Coverage Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes Colonial General works with a variety of carriers to provide flexible options based on risk characteristics. While some admitted markets are available, availability may vary by state and account type. Submission requirements are streamlined for ease of quoting. Territories and Availability This program is available to agents and brokers placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep experience placing niche service business risks. They understand the unique exposures of barber shops and personal grooming professionals, and they provide tailored insurance solutions to help you serve your clients better. Their access to both admitted and non-admitted markets allows for flexibility in coverage design, while their regional focus ensures market familiarity and responsiveness. Whether you're working with a small-town barber or a multi-operator grooming salon, Colonial General can help you find the right fit for your client's insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for barber shops, independent barbers, manicurists, masseuses, and similar personal grooming professionals. Can individual operators be covered under this program?Yes, coverage is available for individual operators, including independent contractors, with options to include them as additional insureds. Is this program available on an admitted basis?Some admitted markets are available; availability depends on the specific account and state. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are higher limits available for abuse and molestation coverage?Yes, higher limits are available beyond the base $50,000 per claim/$100,000 aggregate limits upon request. Need help placing an account? Connect with a market specialist.

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. Ready to place beauty product liability risks? Visit our Complete Markets storefront or learn more on our website. 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 For other product liability needs, visit our Complete Markets Product Liability Storefront! 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.