Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 5 named markets · read 2026-10-28

Who insures Cosmetics manufacturers?

Cosmetics manufacturers is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

5 markets publicly write Cosmetics manufacturers: Admiral Insurance Group, Kinsale Insurance, Amwins, Beazley, Professional Program Insurance Brokerage (PPIB). 2 E&S carriers, 1 wholesaler, 1 admitted carrier, 1 program administrator.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
Admiral Insurance Group
E&S carrier		Health, Nutrition & Lifestyle casualty program Beauty & Consumer Wellness sample classes: Cosmetics/Makeup, Essential Oils, Topical Products, Fragrance Products, Skincare Products, for manufacturers, contract manufacturers, distributors, importers and private-label brands.
“Designed for organizations across the health, beauty, and wellness supply chain”		not statednot statedadmiralins.com · read 2026-10-28
Kinsale Insurance
E&S carrier		Life Sciences specialty casualty target classes include health and beauty products, with a Nutraceuticals and Cosmetics application.
“Health and beauty products”		not statednot statedkinsaleins.com · read 2026-10-28
Amwins
Wholesaler		Life sciences practice lists Cosmetics among the life science and nutraceutical product classes it places.
“Cosmetics”		not statednot statedamwins.com · read 2026-10-28
Beazley
Admitted carrier		NutraGuard covers nutraceutical organizations including personal care & cosmetics products; an example scenario involves an insured cosmetic manufacturer.
“Personal care & cosmetics products”		not stated (US- and Canada-domiciled organizations)not statedbeazley.com · read 2026-10-28
Professional Program Insurance Brokerage (PPIB)
Program administrator		Product liability program for manufacturers, distributors, retailers, private labeling and importers listing Beauty & Skincare, Beauty Devices, Essential Oils and Permanent Makeup Supplies, with general liability, property and product demonstrations coverage.
“Beauty & Skincare”		nationwide (all states)not statedppibcorp.com · read 2026-10-28

Markel life sciences, Hartford, Travelers, Chubb and CNA were not fetched beyond robots.txt (no class-specific cosmetics pages located without search); Hiscox and Crum & Forster returned 403; Coaction has no products pages. CRC Group has a Cosmetics tag in its Tools + Intel listing but no article was verified.

How Cosmetics manufacturers gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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