Our Cosmetic Product Maker Insurance has you covered

Just like you work tirelessly to formulate that flawless skincare range, our Brokers have done the same in formulating a policy that fits your business like a glove. A recipe inclusive of Public and Products Liability Insurance, and a dash of ongoing support from an AUZi broker; the TGA (Test Group Analysis) send their approval of this exquisite mix.

What could go wrong ?

The most talked about error that can occur when manufacturing cosmetics is a reaction relating to the skin/body from a Products Liability perspective.

A manufacture may be trialing a new ingredient, testing it until the recipe is perfect. Though when making the final product, the ratios were not precise. Unknowingly, the product has been sold to a customer with an ingredient that caused a huge skin reaction which would not have happened had the right recipe been formulated. The customers reaction stopped them from working for a period of time, and they needed special rehabilitation and medical care to heal. In an instance like this case study, the manufacturer can protect themselves from financial ruin with AUZi’s Public and Products Liability Insurance for Cosmetic Manufacturers.

Why do I need Insurance?

While Insurance is not compulsory, it is a smart investment to make to protect yourself and your business. Unfortunately, manufacturers only consider the products when contemplating insurance, rather than considering the whole picture. Something can go wrong during the tasks you complete in your daily business activities. This includes during your drive to suppliers, making deliveries or setting up your pop-up or stall; everything inline with your business has the potential to cause injury and damage whereby a third party can bring a claim against you. A Cosmetic Product Maker Insurance policy with AUZi can cover you in these instances.

Supported Products

  • Anti-aging creams, lotions, serums and oils (without SPF sunscreen)
  • Anti-wrinkle creams, lotions, serums and oils (without SPF sunscreen)
  • Cuticle Oils
  • Deodorant
  • Emollients eg creams, emulsions, lotions, gels and oils for the skin (hands, face, feet, etc)​
  • Eyelash and Eyebrow Serum
  • Face Masks
  • Facial Cleansers
  • Facial Serum
  • Facial Toners
  • Fake Tan Moisturiser Cream / Mousse / Foam / Lotion / Solution
  • Hair Balm for moisturising only
  • Hair Shampoo
  • Hair Conditioner
  • Lipstick, Lip Gloss and Lip balms without SPF sunscreen​
  • Make up (mascara, eyeshadow, primer, bronzer etc)
  • Makeup removers
  • Nail hardeners and Nail biting deterant solution
  • Nail polish and varnish
  • Shaving foam, Shaving balm and Shaving cream
  • Soaps for cleansing the skin
  • Soaps for cleansing the hair
  • Tinted bases and foundations (liquids, pastes, powders) without SPF sunscreen

Excluded Products

  • Acne Preparation
  • Antiseptic Cream
  • Any Baby related Products including Baby Soap Bars, Baby Wash, Baby Lotion, Nappy Cream
  • Any Products made for use on animals
  • Any Products used to treat, heal or repair skin
  • Barrier Balms, Creams, Lotions, Ointments
  • Cleaning Products of any kind
  • Depilatories
  • Disinfectant
  • Essential Oil blending for any items that are not on the supported list
  • Feminine hygiene products
  • Hair tints, hair dyes and bleaches
  • Hair Care - Medical Grade Hair Treatment Products
  • Hair setting products (e.g. gels, sprays, lotions)
  • Hairdressing products (e.g. lotions, lacquers, brilliantines)
  • Hand Sanitiser
  • Head Lice Prevention Activities
  • Insect repellent, creams or sprays
  • Oral hygiene including tooth soap, toothpaste and gel. Dental bleaches/whiteners, Denture cleansers and adhesives
  • Perfumes (eau de toilette, eau de colognes, eau de parfum)
  • Perfumes / Solid Perfumes / Perfume Balms
  • Personal Lubricants
  • Products for waving, straightening, and fixing hair
  • Skin salves or Skin ointments for healing, soothing or repair
  • Skin whitening products of any kind
  • Soothing, healing or repair balms
  • Sunbathing products of any kind
  • Sunscreen / Sun Balm / Sun Butter / Sun Paste
  • Washing Powder/Detergent
  • Zinc
Don't see your Product listed above?

Your Dedicated Contact

Got a question? Call our Specialist Cosmetics broker Bec today on 1300 939 698 or email at bec@auzi.com

Excluded Activities

  • Workshops
  • Classes
  • Training

Included Activities

  • Market Stalls
  • Pop Up Shops
  • Expos
  • Retailing
  • Wholesaling (subject to Insurers acceptance)

Automatic Extensions covered under this policy

  • Defence costs and expenses
  • Cost of Court Attendance
  • Indemnity to other persons
  • Cross Liabilities

This policy provides the following features

  • Protects your company for all amounts which you shall become legally liable to pay for Personal Injury and Property Damage (as per the policy wording)
  • Choice of limits between $5,000,000 and $20,000,000 Professional Indemnity
  • Option to pay by the month

Important Information

All Products including manufactured and imported goods** must meet and comply with Australian Standards and in particular ACCC, NICNAS and TGA standards. It is also the customers duty to understand the requirements and whether they need to be registered with NICNAS and TGA to be able to import, manufacture and sell their goods. 

** Goods imported into Australia need to meet the applicable standards that are determined by the government.

Be business savvy and protect what you have worked hard to build.
Partnered with AUZi
Implications of Cancelling your Product Liability OR Professional Indemnity Insurance Policy

Product Liability is an occurrence-based wording. This means, the insurance needs to be in place at the time the incident/injury/damage occurred for there to be a valid claim. Professional Indemnity Insurance is a Claims Made wording. This means an insurance policy needs to be in place at the time you provide the service and at the time of the claim and/or incident in order for your interest to be protected.

If you cancel your insurance today and an incident is notified and/or occurs tomorrow for a product or service you provided last week, you will not be covered. Read more on this here.