Why do you need specialist Product Liability Insurance cover for UK Beauty Products being exported to the USA

Why do you need specialist Product Liability Insurance cover for UK Beauty Products being exported to the USA?

The Beauty and Cosmetic products business is a booming global industry and in recent years, and with the increase in distribution channels such as Amazon, exports have been soaring from the UK to the USA.

Every year hundreds of new skincare and cosmetics products come to market. Many insurers will not cover beauty, cosmetic or skincare products being exported to the USA due to the high risk nature and litigious society comprising of 50 states but 51 insurance jurisdictions, each with different rules, regulations and exposures. Most manufacturers or distributors have additional exposures not limited to their products. A defective product for example that causes injury can result in a product liability legal claim against either the manufacturer, distributors or exporters.

USA Protect have access to specialist insurers who can provide tailored Product Liability Insurance advice for the Beauty Product and Cosmetic Industry that export to the United States including online businesses, high-risk products, new products or companies that have had past claim problems.

Specialist product liability insurance cover is available for companies exporting popular products such as:

  • Aftershave
  • Anti-ageing Cream
  • Conditioner
  • Deodorant
  • Eye Cream
  • Eye Liner
  • Eye lash extensions
  • Eye Shadow
  • Foundation
  • Gel nails
  • Hair extensions
  • Hair Spray
  • Hair Dye
  • Lip Balm
  • Lipstick
  • Lotion
  • Makeup
  • Mascara
  • Microblading
  • Moisturiser
  • Nail Varnish
  • Perfume
  • Serum
  • Shampoo
  • Shaving Cream
  • Shaving Gel
  • Skin Cream

From product recalls to third-party liability, specialist health and beauty businesses operating in today’s global supply chain faces many challenges with exporting their products to the USA. 

Product Liability Insurance is essential for all size of manufacturer, distributors and exporter within the UK beauty products industry exporting to North America and Canada (including Amazon FBA and Pro Sellers).

While there are many challenges around arranging insurance cover for UK businesses exporting to the USA, they are certainly not impossible. 

Do not assume that a UK policy can just be extended to cover the USA. Insurance to cover your liabilities in the USA must be flexible enough to be scalable with your business requirements, buying insurance cover today knowing that sales to the USA or Canada is going to increase soon could cause a problem.

Insurance that provides protection for your business from production, its storage and then finally the transport to its final destination in the USA or Canada.

For suppliers of specialist health and beauty products such as Aftershave, Anti-ageing Cream, Hair products, Deodorants, Eye Cream, Eye Liners, Eye Shadow, Foundation, Gel, Lip Balm, Lipstick, Lotion, Makeup, Moisturiser, Nail Varnish, Perfume and Shave Gel purchased elsewhere you might be storing products in the UK that require warehousing before your products are shipped or perhaps you sell your products online that go into the USA through Amazon, where Amazon FBA Insurance is a contractual requirement.

All exporters to the USA will need insurance cover whatever they are doing, it’s an essential part of your business and protects your assets whether it is just whilst stock is being moved or if you have a full manufacturing business. USA Protect can provide an insurance policy that gives you with peace of mind and the correct product liability protection when exporting to North America. Insurance cover should enable you to fulfil your business’s ambitions and make the most of opportunities – not prevent you from doing so.

Click here to download our Insurance Buyers Guide for Exporting to the USA from the UK.

Is your business correctly insured?

To ensure you have insurance that provides best available cover for product liability when exporting to North America or Canada please contact one of our USA Protect specialists today on 01623 889530.

USA Protect isa  trading Style of Real Insurance Group Limited