Remodelling the View of Insurance for Cosmetic Companies 

As a cosmetics insurance brokers, we have expertise on arranging tailored insurance programmes for the cosmetics industry.  

We work with specialist insurers who equally understand your industry and have developed insurance products that align with your unique exposures. 

We support businesses in the following sectors:

• Fragrance and Perfumes 
• Makeup Cosmetics
• Skin Care Cosmetics 
• Hair Care Cosmetics
• Oral Care
• Sun Care and Protection
• Aesthetic Clinics and Surgeries (Including Botox, Derma Fillers, Semi-Permanent Tattoos, Mole & Skin Tag Removal)
• Platelet Rich Plasma
• Cryotherapy
• Liposuction 

Why choose us? 

• We Understand the Risks you Face—ranging from start-ups to multinationals, we are here to offer our guidance and support to your business. 
• Tailored Insurance Programmes – We tailor programmes that meet the specific needs of your company, from initial incorporation all the way through to large multinational corporate.
• Personal Service—As your dedicated partner, we are not a transactional broker but an advisor. 
• Dedicated Support – We are on hand to respond quickly to queries, arrange times to meet and provide you with dedicated contacts that you can use in emergencies. 
• Risk Management Guidance – Insurance (risk transfer) is the last pillar of the risk management tree, we can actively assist in guidance concerning risk identification, risk analysis, risk control and mitigation. As well as providing options for how you want to transfer the risk or how much of that risk you want to retain. 

What insurance does a cosmetics or aesthetics business need? 

• Medical Malpractice Insurance – Protection for the provision of treatments, covering claims made against you for injuries arising from the administration of your business activities.
• Management Liability Insurance – Cover for allegations of wrongful acts made against directors (protecting their own personal assets) and the company, plus options to include employment related disputes and employee crime. 
• Cyber Insurance - Immediate incident response, system damage and reinstatement, business interruption, cybercrime (i.e. theft of funds), third party liability, notification expenses and brand protection.
• Intellectual Property Insurance – Cover for your defence costs and the costs to pursue third parties, as well as cover for the financial loss to your company stemming from the loss of IP rights.
• Clinical Trial Insurance - Legal and compensation liability cover for adverse effects or injuries arising during your clinical trial, in accordance with UK regulations and ABPI guidelines.
• Liability Insurance - Including employers’ liability insurance, public liability and products liability (including any material, drug product, laboratory consumable or equipment).
• Asset Protection Insurance - Cover for your equipment, stock (including perishable stock/cell lines) and buildings (where you own the property). 
• Business Interruption Insurance - Cover for lost turnover, profit or R&D expenditure, R&D income, committed costs and project delay costs for pre-revenue companies due to your premises being damaged and becoming uninhabitable. 
• Professional Indemnity Insurance - Cover for your professional negligence (caused by an error or omission with your design, service or advice and an unintentional breach of contract).
• Marine Insurance – Cover to protect goods whilst in transit around the world, whether being sent or received. 
• Product Recall Insurance - Cover for the costs to recall products due to them being defective, contaminated or tampered with.
• Engineering Inspection & Insurance - Cover to meet your statutory inspection obligations - under ‘PUWER 1998’ and ‘PSSR 2000’.

We can also arrange the following additional covers for you:

• Business Travel Insurance
• Engineering Inspection & Insurance
• Transaction Liability (Warranties & Indemnities) Insurance
• Motor Fleet Insurance
• Employee Benefits Insurance 

Our approach:

• Review/Consultation – Please reach out for initial advice, we’d be delighted to arrange a meeting. At this stage we can develop an understanding of your business, assess your potential exposures, discuss your ongoing concerns.
• Tailor Programme & Negotiate with the Market – Once we have developed a knowledge of your business and understand your concerns, we enter the market and negotiate with well suited specialist insurers.
• Implementation – Once we have tailored your programme, we discuss our recommendation in depth with you, giving you the opportunity to build a deep understanding of what you are being covered for and why.
• Ongoing Support – We are here and on-hand to help, no question or query is too big or small.