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...clude: Laser hair removal Photo facials and age/sun spot treatment ...edspa that offers laser hair removal, photo facials, and non-ablative skin resurfacin...

.... Coverage is available for: Facials and Peels Microdermabrasion ...vice day spas offering services like facials, massage, waxing, and aesthetic t...

...e or payroll breakdown by service. Photographs of the premises and information... basic sanitation/training practices. Photos and any loss history help underwr...

AIG Accident & Health's CosmediCareSM Program Brown & Riding provides access to AIG Accident & Health’s CosmediCareSM Program — a targeted insurance solution for complications that can arise from elective cosmetic surgeries and medical spa procedures. The program is designed for agents and brokers who need a supplemental option to protect clients from unexpected post-operative medical costs that standard health insurance may not cover. Ideal Accounts and Coverage Appetite This program is intended for individuals undergoing elective cosmetic or aesthetic medical procedures and for producers who want to reduce their clients’ financial exposure after surgery. Typical clients include: Patients scheduling body contouring or facial rejuvenation procedures Medical spa clients receiving injectables or laser treatments Individuals undergoing breast augmentation or body lift surgeries The CosmediCareSM Program is organized into three tiers based on procedure type and relative risk: Tier 1 – Low to Moderate Risk Procedures: Autologous Fat Injection Arm Contouring/Upper Arm Lift Botox/Cosmetic Injectables Brow Lift Chin Augmentation/Reduction Cosmetic Eyelid Surgery Face Lift/Rejuvenation Facial Implants Facial Resurfacing (Dermabrasion/Chemical Peel) Hair Replacement Surgery Labiaplasty Laser Hair/Vein Removal Otoplasty Rhinoplasty Vaginoplasty Tier 2 – Moderate Risk Procedures: Breast Augmentation/Revision Breast Lift Breast Reduction Male Breast Implants and Gynecomastia Tier 3 – Higher Risk Procedures: Abdominoplasty Body Implants Body Lift Buttock Lift/Gluteal Augmentation Liposuction (including laser-assisted) Lower Body Lift Thigh Lift Thoracoplasty/Upper Body Lift Coverage Advantages The CosmediCareSM Program helps cover medically necessary expenses that result from complications such as infection, bleeding, scarring, or other adverse outcomes tied to elective procedures. This is a supplemental product — not a replacement for primary health coverage — that helps reduce out-of-pocket exposure for clients seeking aesthetic care. Underwriting and Premiums Policies are underwritten by AIG, offering the financial strength and claims experience of a national carrier. Minimum premiums and final pricing vary by procedure tier, client risk profile, and state regulations. Brown & Riding supports submission preparation and placement to help speed underwriting and increase placement success. Territories and Availability The program is available in most U.S. states, including AL, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MI, MS, MO, MT, NV, NJ, ND, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, and WY. Coverage is offered on an admitted basis where applicable; availability can vary by state. Why Place This Business With Brown & Riding Brown & Riding is a specialist wholesale partner and E&S broker with deep experience in accident & health products. We provide direct access to AIG’s CosmediCareSM Program plus underwriting guidance and responsive service for faster decisions. Use our team when you need reliable underwriting support for cosmetic and medical spa exposures. Example accounts that fit this program You might have a 35–50 year old client scheduling a facelift and injectable treatments who wants supplemental coverage against surgical complications that could result in additional medical bills or revision surgery. You may place a medical spa client receiving multiple laser procedures and injectables who prefers to limit out-of-pocket risk if an adverse event requires follow-up care. For more information, contact Brown & Riding: Jeffrey Jarboe Principal, Senior Vice President, Broker Telephone: 678.225.1381 Cellphone: 404.422.2483 E-Mail: [email protected] Web: http://www.brownandriding.com/health-cosmedicare/ Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for clients undergoing elective cosmetic or medical spa procedures who want protection against post-operative complications and related out-of-pocket costs. What procedures are covered under the CosmediCareSM Program?The program covers a broad range of cosmetic procedures, including Botox, facelifts, breast augmentations, liposuction, and more. Procedures are grouped into three tiers by risk and complexity. Is this coverage available nationwide?This program is available in a majority of U.S. states, including CA, FL, TX, NY, and many others. Contact Brown & Riding for confirmation of eligibility in a specific state. Who underwrites the CosmediCareSM Program?Coverage is underwritten by AIG, a global insurance carrier with extensive experience in accident and health insurance. How can I submit a risk to this program?Contact Jeffrey Jarboe at Brown & Riding to discuss submission requirements and get assistance with placing your client's coverage. Need help placing an account? Connect with a market specialist.

...r salon offering color, cuts, and facials seeking combined liability/property ...

... Dermal filler injections Facials and skincare treatments HCG ther...

...Treatments, Skin Care Treatments (Facials, Chemical Peels, Microdermabrasion),...

...ering services like ear piercing, facials, and makeovers Whether your client ...

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.

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.