1 1 Policy Options
2 2 Application Form
3 3 Additional Insureds
4 4 Payment, Review & Submit

Beauty Product Insurance (CBD)

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

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
You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
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Name can be between 2 and 70 characters long and can contain letters, hyphens, commas, dots, apostrophes and spaces
You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
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WE CANNOT ACCEPT A PO BOX AS A PHYSICAL ADDRESS. KINDLY ENTER A PHYSICAL ADDRESS FOR YOUR BUSINESS.
You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
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You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
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You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
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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 natural disaster in your area, We are unable to provide a policy to purchase for your selected effective date, please go back to this option and select a date that is available to you. We will begin selling same day policies again in your state when the memorandum has been lifted.

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Mailing address

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You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
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You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
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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 natural disaster in your area, We are unable to provide a policy to purchase for your selected effective date, please go back to this option and select a date that is available to you. We will begin selling same day policies again in your state when the memorandum has been lifted.

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You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.

Business information

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Business name - Only letters(A-Z), numbers(0-9), &(ampersand), -(hyphen), '(apostrophe), .(dot), comma, ()brackets, spaces, ‘ ’(curly apostrophes), /(slash), :(colon), ;(semicolon) are allowed.
You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
Please provide your full name under mailing address.
A business you own and operate, not a business that employs you.
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You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
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Invalid phone
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You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.

Primary Business Activity

Secondary Business Activities

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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

Applicant Information

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Sales and Marketing Data

(i.e., lotions, soaps, etc.)
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(i.e., night face cream)
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Select an option
(i.e., creams 20%, soaps 80% - percentages must total 100%)
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Sales Exposure information (in $) for the next 12 months (projected)

US, Canada, & US Territories
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Outside of US Territories
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Application will be submitted for underwriting review.
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Application will be submitted for underwriting review.
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Application will be submitted for underwriting review.
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Application will be submitted for underwriting review.
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Liability Insurance Information:

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1.) Insurance Company: 2.) Limits of Liability: 3.) Deductible/SIR: 4.) Expiring Premium: 5.) Expiration date: 6.) Retroactive date:
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Select an option
Application will be submitted for underwriting review.
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Application will be submitted for underwriting review.
1.) Date of Claim 2.) Description 3.) Amount of Loss
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Application will be submitted for underwriting review.
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Products

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Application cannot be completed online.
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Application cannot be completed online.
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Application cannot be completed online.
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Please confirm that you understand 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, ingestible hemp or CBD products, 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 are excluded from the policy and there will be no coverage for claims arising out of these products.
1.) Acetone Products
2.) Aerosol Products
3.) Products Containing Hemp
4.) Digestible Products of Any Kind
5.) Products Containing Talc
Select an option
Application will be submitted for underwriting review.
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Select an option
Application will be submitted for underwriting review.
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Application will be submitted for underwriting review.
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Application can no longer be completed online
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Application will be submitted for underwriting review.
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Application will be submitted for underwriting review.
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Risk Transfer

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Select an option
Application will be submitted for underwriting review.

LOSS CONTROL AND PREVENTION

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Application will be submitted for underwriting review.
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Select an option
Select an option
Application will be submitted for underwriting review.
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Select an option
  • You maintain records of design changes and reasons justifying these changes.
  • Your designs are subject to independent external review, testing or certification.
  • Warranties are obtained from all suppliers.
  • 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.
  • Warning labels comply with federal statutory warning labeling requirements.
  • All product labeling complies with FDA guidelines.
  • You expressly disclaim or limit warranties for your products.
  • You provide specific training/instructions for the user in the proper use of your product.
  • You have a procedure to record data on product related complaints, accidents, or injuries.
  • Your procedure provides for examining and preserving any allegedly defective product, with the results of such examination recorded.
  • You maintain copies of old instruction or operation manuals and advertising material.
Select an option
Application will be submitted for underwriting review.
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Can you determine, based on available records, for all products you have sold:

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Application will be submitted for underwriting review.
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Application will be submitted for underwriting review.
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Application will be submitted for underwriting review.

Ingredient Labels

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Such as needing Primary Non-contributory, Waiver of Subrogation, etc.
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TERMS AND CONDITIONS

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

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)

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{[{ 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
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Please only use the additional insured email and do NOT use the policy’s holder email
The endorsements listed below have been added to the policy requirements by the Additional Insured/Sponsoring Organization.
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Payment information

Initial payment:

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Credit card information

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You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
This field requires 13 to 16 digits. Use only numbers. No spaces or dashes.
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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Use the up and down arrow keys to select your card's expiration month. Each option is labeled with the full month name.
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Use the up and down arrow keys to select your card's expiration year.
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You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
This is a 3-digit number on the back of Visa, MasterCard, and Discover cards, or a 4-digit number on the front of American Express cards.
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Invalid ZIP code
You must own the business to purchase the insurance policy. We identify that this business name is disallowed from purchase.
Enter your 5-digit ZIP code. Only numeric input is accepted.

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) }]}.

More Details


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.

Beauty Product Annual Policy CBD

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

Applicant Information

Edit
Physical Address of Operation:
City:
State:
Zip Code:
Year Business Started:

Sales and Marketing Data

Edit
Description of Major Products:
(i.e., lotions, soaps, etc.)
Principal End Use For Major Products:
(i.e., night face cream)
Do You Manufacture, Distribute and/or Import:
% of Annual Gross Sales of Major Products:
(i.e., creams 20%, soaps 80% - percentages must total 100%)

Sales Exposure information (in $) for the next 12 months (projected)

Edit
Domestic Sales ($):
US, Canada, & US Territories
Foreign Sales ($):
Outside of US Territories
Other than those listed on this application, do you have any other operations or sell any products under the company name(s) / insured listed above?
Please Describe:
Do you plan to manufacture, distribute, or import any new products in the next 12 months?
Please Describe:
Have you discontinued manufacturing, distributing, or importing any products within the past 5 years or have plans to discontinue any product listed above?
Please Describe:
Do you sell any of your products direct to consumers at more than one retail location you operate?
How many retail locations do you operate?
Do you ever host special events on or off your premises?
Please Describe:

Liability Insurance Information:

Edit
Do you currently have Liability Insurance?
Please list insurance information below:
1.) Insurance Company: 2.) Limits of Liability: 3.) Deductible/SIR: 4.) Expiring Premium: 5.) Expiration date: 6.) Retroactive date:
Attached file:
Has any insurer declined, cancelled, or nonrenewed any product liability insurance or any similar insurance on behalf of any person(s) or organization(s) proposed for this insurance?
Please Explain:
Has the applicant had any liability or business property claims in the past 5 years?
Please provide the following information:
1.) Date of Claim 2.) Description 3.) Amount of Loss
Is (are) any person(s) or organization(s) proposed for this insurance aware of any fact, incident, circumstance, situation, defect or suspected defect which may result in a Liability claim?
Please Describe:

Products

Edit
Do you make hand sanitizer?
What are your annual gross sales for hand sanitizer?
Is your hand sanitizer at least 60% alcohol, either ethyl or Isopropyl alcohol?
Are you in compliance with "The United States Food & Drug Administration's Temporary Policy for Preparation of Certain Alcohol-Based Hand Sanitizer Products During the Public Health Emergency (COVID-19) Guidance for Industry”?
Do you import any products from other countries?
Please List Countries:
Do you export products or have foreign operations?
Please Provide Details:
I Understand and agree:
Please confirm that you understand 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, ingestible hemp or CBD products, 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 are excluded from the policy and there will be no coverage for claims arising out of these products.
At any time have you manufactured, sold, distributed, or imported any of the following products or ingredients?
1.) Acetone Products
2.) Aerosol Products
3.) Products Containing Hemp
4.) Digestible Products of Any Kind
5.) Products Containing Talc
Describe Product:
Do you make or handle any products that are explosive, flammable, or poisonous either by itself or in combination with other materials?
Please Provide Details:
Could any of your products be classified as pharmaceuticals?
Please Provide Details:
Are your products generally regarded as safe?
Do any of your products contain color additives regulated by the FDA?
Is the additive approved?
Do any of your products contain CBD?
a. How long have you been selling CBD products?
b. Do you source your CBD from legally grown Hemp plant as described in the H.R.2- Agricultural Improvement Act of 2018?
c. Do you claim in any of your maketing and promotional materials that your CBD products are intended for use in the diagnosis, cure, mitigation, treatment, or prevention of diseases?
d. What percentage of sales relate to CBD products?
e. Do any of your products have ingestible CBD exposure?
f. What percentage of sales?

Risk Transfer

Edit
Do your suppliers provide you Additional Insured status under their general and product liability policy?
Do you provide “Hold Harmless” status to your suppliers?

LOSS CONTROL AND PREVENTION

Edit
Have your products ever been investigated for safety by any government agency?
Please Provide Details:
Do you have a written products recall plan?
Attached file:
Have you ever recalled products because of a potential product safety hazard?
Please Provide Details:
Do you do your own formulating and design your work for all products?
Please confirm the following are true:
  • You maintain records of design changes and reasons justifying these changes.
  • Your designs are subject to independent external review, testing or certification.
  • Warranties are obtained from all suppliers.
  • 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.
  • Warning labels comply with federal statutory warning labeling requirements.
  • All product labeling complies with FDA guidelines.
  • You expressly disclaim or limit warranties for your products.
  • You provide specific training/instructions for the user in the proper use of your product.
  • You have a procedure to record data on product related complaints, accidents, or injuries.
  • Your procedure provides for examining and preserving any allegedly defective product, with the results of such examination recorded.
  • You maintain copies of old instruction or operation manuals and advertising material.
Please Describe:

Can you determine, based on available records, for all products you have sold:

Edit
a. When any given product was manufactured?
b. To whom it was sold and the date of sale?
c. Who supplied parts and supplies in the final product?

Ingredient Labels

Edit
Did you provide a website on step 1 which includes product labels with ingredients?
Attached file:
Do you have any additional comments or requests you would like to make?
Such as needing Primary Non-contributory, Waiver of Subrogation, etc.

TERMS AND CONDITIONS

Edit
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 }]}

Independent Contractors

Edit
{[{ contractor.firstName }]} {[{ contractor.lastName }]}

Your policy will be issued and your documents available immediately after clicking the "Purchase Policy" button below. Your policy application may be subject to review by our underwriting team to verify that the business operation, product, and/or service meet the eligibility guidelines established for the program. In the event we need further clarification to determine eligibility, we will contact you via email at the email address used to establish your account. If an account is found to be ineligible during the underwriting period, the policy will be subject to immediate cancellation and a full refund will be issued. After the underwriting period, the premium is 100% earned and no refunds will be given.

Your agent will be contacting you soon. There is a pending document to be submitted.
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You need a policy that's as unique as your business. After your quote is submitted, one of our sales agents will contact you within 48 hours to complete your quote.

We noted you have made changes to the application you previously submitted. After clicking SUBMIT FOR QUOTE, your application will be sent again for our team to review.

Please click here to be directed to an application that is specifically for those whose business is in .
Quote only for this state.
Beauty Product Annual Policy CBD

Policy Endorsements

Additional insureds

Coverage for Employees

Coverage for Independent Contractors

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