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1 1 Policy options
2 2 Additional insureds
3 3 Payment, Review & Submit
Sorry, we don't have availability to purchase it online, but we are working on it! In the meantime, please submit quote for underwriting and we’ll reach out with any remaining questions!

Policy effective dates

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This policy will go into force on the start date and stay in force for 12 months.

Payments for this policy will stay in effect until cancelled.

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Policy options

Please select from the options below. Some may affect the final price.

Your application will be submitted for underwriting.
+ $91.00+ $7.58
+ $181.00+ $15.08
+ $272.00+ $22.67
+ $544.00+ $45.33
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
+ $500.00+ $41.67
+ $1,000.00+ $83.33
+ $1,500.00+ $125.00
+ $2,000.00+ $166.67
+ $2,500.00+ $208.33
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Nearly 1 in 4 businesses have experienced a cybersecurity event. If you collect and/or store customer and financial data, we strongly advise adding Cyber Liability Coverage for greater protection and peace of mind.

Your application will be submitted for underwriting.
+ $149.00+ $12.42
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
+ $50.00+ $4.17
+ $100.00+ $8.33
+ $250.00+ $20.83
+ $500.00+ $41.67
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
+ $250.00+ $20.83
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
+ $250.00+ $20.83
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
+ $200.00+ $16.67
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

Your application will be submitted for underwriting.
Your application will be submitted for underwriting.

Due to the natural disaster in your area, some options are disabled from this group. You may purchase this option when the suspension has lifted.

This will provide coverage for your topical CBD products as long as it does not contain more than 0.3 percent THC.

General liability limits

General Liability Aggregate $2,000,000
Products & Completed Operations Aggregate $2,000,000
Personal & Advertising Injury $1,000,000
Each Occurrence $1,000,000
Damage to Premises Rented to you $300,000
Medical Expense Limit $5,000

Account setup

Policy holder information

Physical Address

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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
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Please click here to be directed to an application that is specifically for those whose business is in .
Quote only for this state.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Invalid physical ZIP code

Mailing address

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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
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This field is required
This field is required
Please click here to be directed to an application that is specifically for those whose business is in .
Quote only for this state.

Due to the current natural disaster in your area, we are unable to provide all Inland Marine options associated with this program at this time. All Inland Marine options will be available soon.

Note: If you are trying to add a policy from your customer dashboard and your current policy is expired, please change your State selection above, and then change it back to your correct state. This will allow you to continue to step two. We apologize for any inconvenience this has caused. (i.e., North Carolina > Texas > North Carolina)

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Invalid ZIP code

Business information

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Business name - Only letters (A-Z), numbers (0-9), & (ampersand), and - (hyphen) are allowed.
Please provide your full name under mailing address.
A business you own and operate, not a business that employs you.
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Invalid phone
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Select an option
Your application will be submitted for underwriting review.
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Your application will be submitted for underwriting review.
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Your application will be submitted for underwriting review.
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Your application will be submitted for underwriting review.
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Your application will be submitted for underwriting review.
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Select an option
  • Acetone Products
  • Aerosol Products
Select an option
  • Acetone sales are below $1M
  • Acetone products' end use are for cosmetic or beauty product purposes only
  • Acetone products do not contain parabens or phthalates
  • Aerosol products are stored in a temperature controlled environment, have warning labels, and have adequate safety controls in place
Your application will be submitted for underwriting review.
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Select an option
Your application will be submitted for underwriting review.
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Your application will be submitted for underwriting review.
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Your application will be submitted for underwriting review.
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Your application will be submitted for underwriting review.
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Your application will be submitted for underwriting review.
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Your application will be submitted for underwriting review.
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  1. You maintain record of design changes and reasons justifying these changes.
  2. Your designs are subject to independent external review, testing or certification.
  3. Warranties are obtained from all suppliers.
  4. Quality control records are kept so that you can identify at a later date what tests you applied to a given product at a given time.
  5. Warning labels comply with federal statutory warning labeling requirements.
  6. All product labeling complies with FDA guidelines.
  7. You expressly disclaim or limit warranties for your products.
  8. You provide specific training/instructions for the user in the proper use of your product.
  9. You have a procedure to record data on product related complaints, accidents, or injuries.
  10. Your procedure provides for examining and preserving any allegedly defective product, with the results of such examination recorded.
  11. You maintain copies of old instruction or operation manuals and advertising material.
  12. Your products have not been investigated for safety by any government agency.
  13. You do not have any foreign operations.
Your application will be submitted for underwriting review.
Select an option

Consumable alcoholic products, any product containing cannabidiol (CBD), any product developed with or containing human stem cells or human stem cell media, drugs, medicines, or products requiring a prescription, Formaldehyde or products containing Formaldehyde, furniture, hand sanitizer that is not in compliance with The United States Food & Drug Administration's current 2022 guidelines with regard to hand sanitizers, invasive body inks or permanent cosmetics, invasive products intended to remain within the body, inversion tables, nail curing lights, nutraceuticals, pharmaceuticals, plugin electrical products, suppositories, tanning beds or equipment, toys (except when sold in conjunction with an eligible beauty product), vitamins or supplements.

Your application will be submitted for underwriting review.
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Select an option
Your application will be submitted for underwriting review.
  1. Date of Claim
  2. Description
  3. Amount of Loss
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Select an option
Your application will be submitted for underwriting review.
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REVIEW THE TERMS AND CONDITIONS.
 

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Terms and Conditions
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Read Company Email, Phone and Electronic Delivery Statement

Additional insureds

When you add a person†, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

† Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

† A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

Beauty Product Additional Insured #{[{ $index + 1}]}(+$0.00)

{[{ searchItem.title }]}
{[{ searchItem.state_code }]} | {[{ searchItem.start_date|date:"MMM dd, yyyy" }]} - {[{ searchItem.hasOwnProperty('end_date') ? (searchItem.end_date|date:"MMM dd, yyyy") : "no end date" }]}
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Please enter valid email address
Email should not be the same as the policy's holder email
Minimum length required

Please only use the additional insured email and do NOT use the policy’s holder email

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Invalid ZIP code
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Payment information

Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next {[{ checkoutData.configuration.monthlyPaymentCount }]} months.

Switch to annual

Credit card information

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Invalid credit card number
Please enter your credit card and bank information. Your credit card will be used for the down payment and your bank information will be used for the Capital Premium finance agreement monthly draft. If you have questions about alternative payment methods for the capital monthly draft please contact Capital Premium.
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Invalid cvv
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Invalid ZIP code

This feature will create a customer payment profile for your billing information to allow easy checkout during future policy coverage extensions or updates. Credit card information is not stored within our system. All billing information is processed through authorize.net

Your credit card expires before auto renew date ({[{ policyEndDate.format(dateViewFormat) }]}). In order to proceed, please use other credit card.

Your policy is set up to automatically renew on {[{ policyEndDate.format(dateViewFormat) }]}.

With this beneficial feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy.

You will receive a Conditional Renewal Notice prior to the renewal date of your policy. If you wish to cancel your policy, you must notify us in writing prior to the policy renewal date. You can cancel EZ-renew at any time from your dashboard. Your policy will be renewed with the same coverage's, additional insureds and endorsements as your current policy. If you wish to change any coverages, you can login to your on-line account and make changes to your policy at any time.

Please note that we do NOT store credit/debit card numbers, nor do we share customer details with any third parties. Recurring billing is managed via Authorize.net.



Order summary

Policy Holder Edit

, ,
Email:
Email:
Mobile number:

Mailing Address is the Same as the Physical Address
Mailing Address:
, ,

Payment Information Edit

Payment Method:

Enrolled in EZ-Renew You are not enrolled in EZ-Renew
Edit Enroll
Your policy is set up to automatically renew on . With the EZ-Renew feature your insurance coverage will be continuous without you worrying about having a lapse in your insurance policy coverage.

Indie Beauty Products Annual Policy

Monthly Payment Breakdown

Policy start date: - Policy end date: Edit

If changes are needed, please reach out to your agent.
Edit

General liability limits

General Liability Aggregate $2,000,000
Products & Completed Operations Aggregate $2,000,000
Personal & Advertising Injury $1,000,000
Each Occurrence $1,000,000
Damage to Premises Rented to you $300,000
Medical Expense Limit $5,000

Policy Holder Business Information

Edit
Business Type
name
DBA
Mobile number
Website
Business Activities
Business Activities Description
Product Description
Is your business domiciled in the US?
Please provide more information:
Are 100% of your products topical?
Are all non-topical products related to the beauty and/or cosmetic industry?
Please Describe Products:
Do you make Hand Sanitizer?
What are your annual gross sales for hand sanitizer?
Are you in compliance with The United States Food & Drug Administration's current 2022 guidelines with regard to hand sanitizers?
Do any of your products contain CBD?
Are your estimated gross sales $1M or more?
At any time have you manufactured, sold, distributed, or imported any of the following products?
  • Acetone Products
  • Aerosol Products
Please confirm the following are true:
  • Acetone sales are below $1M
  • Acetone products' end use are for cosmetic or beauty product purposes only
  • Acetone products do not contain parabens or phthalates
  • Aerosol products are stored in a temperature controlled environment, have warning labels, and have adequate safety controls in place
Do you sell products containing Acetone?
Please confirm that any acetone products end use are for cosmetic or beauty purposes only, are stored in a temperature controlled environment, have warning labels, and have adequate safety controls in place
Do you sell any aerosol products?
Please confirm that aerosol products are stored in a temperature controlled environment, have warning labels, and have adequate safety controls in place
Aside from eyeshadows, foundations, and toners, concealer, blush, eyeliner, or mascara, at any time have you manufactured, sold, distributed, or imported any products containing talc?
Other than what's listed on this application, do you offer any other products or services?
Please describe:
Do you have a written products recall plan?
Attached file:
Have you ever recalled products because of a potential product safety hazard?
Do you do your own formulating and design your work for all products?
Please confirm the following are true:
  1. You maintain record of design changes and reasons justifying these changes.
  2. Your designs are subject to independent external review, testing or certification.
  3. Warranties are obtained from all suppliers.
  4. Quality control records are kept so that you can identify at a later date what tests you applied to a given product at a given time.
  5. Warning labels comply with federal statutory warning labeling requirements.
  6. All product labeling complies with FDA guidelines.
  7. You expressly disclaim or limit warranties for your products.
  8. You provide specific training/instructions for the user in the proper use of your product.
  9. You have a procedure to record data on product related complaints, accidents, or injuries.
  10. Your procedure provides for examining and preserving any allegedly defective product, with the results of such examination recorded.
  11. You maintain copies of old instruction or operation manuals and advertising material.
  12. Your products have not been investigated for safety by any government agency.
  13. You do not have any foreign operations.
You understand the following are excluded from the policy and there will be no coverage for claims arising out of these products:

Consumable alcoholic products, any product containing cannabidiol (CBD), any product developed with or containing human stem cells or human stem cell media, drugs, medicines, or products requiring a prescription, Formaldehyde or products containing Formaldehyde, furniture, hand sanitizer that is not in compliance with The United States Food & Drug Administration's current 2022 guidelines with regard to hand sanitizers, invasive body inks or permanent cosmetics, invasive products intended to remain within the body, inversion tables, nail curing lights, nutraceuticals, pharmaceuticals, plugin electrical products, suppositories, tanning beds or equipment, toys (except when sold in conjunction with an eligible beauty product), vitamins or supplements.

Please Provide Details:
Have you had any liability or property claims in the last 5 years?
Please provide the following information:
  1. Date of Claim
  2. Description
  3. Amount of Loss
Are you aware of any fact, incident, circumstance, situation, defect or suspected defect which may result in a claim?
Please Describe:
PRODUCT LABELS AND INGREDIENT LISTS ARE REQUIRED TO PURCHASE THIS INSURANCE. DID YOU PROVIDE A WEBSITE URL ON STEP 2 WHICH INCLUDES THIS INFORMATION?
Attached file:
Have any new products or services been added or are you anticipating adding any new products or services?
Please Describe:
Have you had any unreported claims or are you aware of any incident that could result in a potential claim?
Please Describe:

 


REVIEW THE TERMS AND CONDITIONS.
 

I agree to the following Terms and Conditions.
Terms and Conditions
I agree to the following email, phone and electronic delivery statement.
Read Company Email, Phone and Electronic Delivery Statement

Additional Insureds

Edit
Unlimited Additional Insureds
Additional Insureds
{[{ ai.name }]}

Employees

Edit
{[{ employee.firstName }]} {[{ employee.lastName }]} + {[{ optionalCoverage.employeePrice|currency }]}

Independent Contractors

Edit
{[{ contractor.firstName }]} {[{ contractor.lastName }]} + {[{ optionalCoverage.independentContractorPrice|currency }]}
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Based on your previous answers, it appears your business situation is unique and deserves a more personal touch. Please complete the application and our team will contact you within 48 hours to complete your quote.

Please click here to be directed to an application that is specifically for those whose business is in .
Quote only for this state.
You have selected a monthly payment plan. This is how much you will pay per month.
You have selected an annual payment plan. This is how much you will pay annually.
Indie Beauty Products Annual Policy

Policy Endorsements

Additional insureds

Coverage for Employees

Coverage for Independent Contractors

Loading... $
monthly
annually
$
monthly
DUE TODAY: (downpayment)

Initial payment: {[{ firstPayment|currency }]}
{[{ monthlyPayment.firstPaymentType }]}

We'll automatically charge your card {[{ monthlyPaymentAmount|currency }]}/mo for the next 10 months.

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