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Professional Program Insurance Brokerage (PPIB) offers: Products Liability Insurance. Overview of the Program from PPIB Professional Program Insurance Brokerage (PPIB) provides access to specialized Products Liability Insurance for manufacturers, distributors, importers, and other businesses that deal with physical goods. As a program administrator with deep experience in niche markets, PPIB delivers flexible, responsive underwriting for hard-to-place product liability risks, including emerging and unconventional industries. Ideal Accounts and Appetite This program is tailored for insureds involved in the production, sale, or distribution of consumer and industrial products. Target classes include: Manufacturers Importers and exporters Distributors Private label and white label brands Tattoo equipment and supplies Medical devices Marijuana and cannabis-infused products Research & development firms Clinical trial vendors PPIB has also placed coverage for accounts in: Beauty products Electronic cigarettes (e-cigs) Skin care and cosmetics Makeup lines Vitamins and nutraceuticals Medical marijuana edibles Tattoo and body piercing supplies If you represent clients launching new or innovative products, or clients who have been declined by standard markets, this program can provide a viable placement option. Coverage Highlights and Advantages PPIB’s products liability program includes features designed for complex and higher-exposure risks: True worldwide coverage — Claims brought anywhere in the world are eligible for coverage, supporting global distribution models. Retroactive coverage — Available for risks transferring from other carriers to help preserve continuity of protection. Non-admitted capacity — Useful for accounts outside the appetite of admitted carriers due to product type, claims history, or other factors. Underwriting Notes Submissions are underwritten on a case-by-case basis. PPIB evaluates product type, distribution channels, sales volume, manufacturing controls, and quality/safety protocols. Provide complete applications and supporting documents — product descriptions, labels, safety data, manufacturing processes, and loss history — to expedite review. Minimum premiums vary by risk; PPIB focuses on placing niche and specialty risks that may not fit standard markets. Territories and Availability Coverage is available nationwide. PPIB can write business in all 50 states plus Washington, D.C., and routinely places business in states such as CA, NY, TX, FL, IL, and WA. Policies are offered on a non-admitted basis. Why Work With PPIB? PPIB brings decades of underwriting experience in specialty and emerging product classes. Their team understands the technical and regulatory complexities that come with novel or high-exposure products and offers tailored solutions when admitted markets are unavailable. You get underwriters who will consider unconventional risks, flexible placement options, and support for continuity of coverage. Examples agents might present: A small manufacturer of a new cosmetic line that needs worldwide product liability limits after being turned down by standard carriers. An importer of tattoo equipment seeking coverage with specific limits and retroactive protection after switching carriers. Contact Professional Program Insurance Brokerage (PPIB) today for your Products Liability Insurance placement needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, importers, distributors, and private label businesses, especially those in niche industries like tattoo supplies, cannabis products, skin care, and medical devices. Can this program handle products sold internationally?Yes, PPIB offers true worldwide coverage, which means claims brought anywhere in the world can be covered, making it suitable for global distribution models. Is retroactive coverage available?Yes, retroactive coverage is available for risks renewing from another carrier, helping maintain continuity in coverage for your insureds. What documents are needed for submission?Complete applications along with product details, safety information, manufacturing processes, and loss history (if any) are typically required to begin the underwriting process. Is this program admitted in any states?No — this program is written on a non-admitted basis across all available states. 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.

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.