Cosmetic Manufacturers Insurance

Public & product liability insurance for cosmetic product makers

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Cosmetic manufacturers insurance

Just like you work tirelessly to formulate your flawless skincare range, our insurance brokers have formulated a policy that fits your business like a glove. With a recipe inclusive of public and product liability insurance, and a dash of ongoing support from an AUZi broker, you have the perfect formula to insure your cosmetic business.

Why choose AUZi's cosmetic manufacturer insurance?

Included activities

Policy options

Why do I need insurance as a cosmetic manufacturer?

Insurance is something that every small business needs 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 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. Anything can go wrong throughout 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?

Since you are labelling the products as your own, you are deemed the manufacturer of the products. If a claim does arise, you will be held accountable as the manufacturer of that product. Likewise if you directly import the product into Australia. If you are a direct importer, you are deemed the manufacturer under Australian law.

What's covered under AUZi's cosmetic manufacturing insurance?

Public liability insurance

Public liability insurance is designed to protect you and your business against personal injury or property damage to third parties arising from your business activities.

Product liability insurance

Product liability insurance is designed to protect you against personal injury or property damage to third parties 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 or body from a product liability perspective.

A manufacturer may be trialling a new ingredient, testing it until the recipe is perfect. However, 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 customer’s reaction stopped them from working for some time, and they required special rehabilitation and medical care. In this instance, the manufacturer can protect themselves from financial ruin with AUZi’s public and product liability insurance for cosmetic manufacturers.