Cosmetic Manufacturer's Insurance
Public and Products Liability Insurance for Cosmetic Product Makers
Annual Cover Starting from
$616
Instantly generated quote, coverage and Certificate of Currency.
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. With a recipe inclusive of Public and Products Liability Insurance, and a dash of ongoing support from an AUZi broker, you have the perfect formula.
Why AUZi's Cosmetic Manufacturer's Insurance?
Included Activities
- Market Stalls, Pop up Shops & Expos
- Retailing and Wholesaling
- E-Commerce (Online)
Your Choices
- Multiple Policy Options
- $10mil or $20mil Limit of Liability
- Pay by Card, Bank Transfer, or Monthly Instalments
Why do I need Insurance as a Cosmetic Manufacturer?
Insurance is something that any small business should take time to consider, after all, you do have a duty of care to your customers. While Insurance is not compulsory, it is a smart investment to make to protect yourself and your business. We understand you have taken all the care in the world to ensure your products are the safest and best on the market but accidents do happen, and not everything is in our control. 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 in line with your business has the potential to cause injury or property 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.
What if I don't make the Products, I just label them?
As you are labelling the products as your own, you are deemed the Manufacturer of the product. If a claim does arise, you will be held accountable as the Manufacturer of that Product. This is similar to if you are directly importing the Product into Australia, Under Australian Law, if you are a direct importer, you have deemed the Manufacturer.
What Does AUZi's Cosmetic Manufacturing Policy Cover?
Public Liability Insurance
Public Liability Insurance is designed to protect you and your business against Personal Injury or Property Damage arising from your business activities.
Products Liability Insurance
Products Liability Insurance is designed to protect you against Personal injury & Property damage arising from the products you have sold.
What can go wrong as a Cosmetic Product Maker?
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 manufacturer may be trialling 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.
Cosmetic Manufacturer Insurance Options
3 Month Cover
from $306.37
at $5,000,000 Liability
Your Choice:
- $5mil, 10mil or $20mil Limit of Liability
6 Month Cover
from $489.27
at $5,000,000 Liability
Your Choice:
- $5mil, 10mil or $20mil Limit of Liability
Annual Cover
Lowest Daily Rate
from $891.09
at $5,000,000 Liability
Your Choice:
- $5mil, 10mil or $20mil Limit of Liability
- Anti-aging/wrinkle creams, lotions, serums and oils (without SPF sunscreen)
- Cuticle Oils
- Deodorants
- Emollients eg creams, emulsions, lotions, gels and oils for the skin (hands, face, feet, etc)
- Exfoliator
- Eyelash and Eyebrow Serum
- Face Masks
- Facial Cleansers
- Facial Serum
- Facial Toners
- Fake Tan Moisturiser Cream / Mouse / Foam / Lotion / Solution
- Hair Balm for moisturising only
- Hair Shampoo & Conditioner
- Lipstick, Lip Gloss and Lip balms without SPF sunscreen
- Lip liner
- Make-up (mascara, eyeshadow, primer, bronzer etc)
- Make-up removers
- Nail hardeners and Nail biting deterant solution
- Nail polish and varnish
- Perfumes / Solid Perfumes/ Perfume balms - 100% Natural only
- Shaving foam, Shaving balm and Shaving cream
- Skincare Essence
- Soaps for cleansing the skin
- Soaps for cleansing the hair
- Tinted bases and foundations (liquids, pastes, powders) without SPF sunscreen
This policy is an extension of our Soap and Candle Makers policy, please CLICK HERE to see the full Supported Products List.
Excluded Products
- Any skin or hair product with medicinal, antiseptic or therapeutic intention claims. Refer to TGA Cosmetic Advertising guidelines
- Acne Preparation
- Any Baby related Products including Baby Soap Bars, Baby Wash, Baby Lotion, Nappy Cream
- Depilatories
- Feminine hygiene products
- Hair setting products (e.g. gels, sprays, lotions)
- Hairdressing products (e.g. lotions, lacquers, brilliantines, tints, dyes & bleaches)
- Hand Sanitiser
- Head Lice Prevention
- Insect repellent products
- Oral and Dental Hygiene Products
- Perfumes (eau de toilette, eau de colognes, eau de parfum)
- Personal Lubricants
- Skin whitening products
- Any topical product primarily offering sun protection
- Washing Powder/Detergent
Don't see your Product listed above? PLEASE DO NOT ASSUME IT IS INCLUDED / COVERED;
Your Dedicated Contacts
Chat live with our Specialist Brokers, Nicole & Tracy by hitting the live chat bar below. Only available during Office hours.
Alternatively, give us a call on 1300 939 698, or email us at mail@auzi.com
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On the Blog
Implications of Cancelling your Product Liability Cover.
Products Liability is an occurrence-based wording. This means, the insurance needs to be in place at the time the incident occurred for there to be a valid claim.
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