Tag: Cosmetics, Beauty Supplies, and Perfume Stores

What could go wrong?

Here are the claims cosmetics and beauty supply stores see most often: product reactions, falling displays and slippery tester areas. Landlords usually require GL in the lease, and every shopper is a potential premises claim. If your business is found negligent, medical bills or repair costs can land on you.

A class Coterie knows

Cosmetics, Beauty Supplies, and Perfume Stores ranks #33 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Choosing your coverage

General liability: General liability covers third-party bodily injury, property damage and, for most classes, personal and advertising injury. Per-occurrence limits are $300K, $500K, $1M or $2M, with aggregates at twice that, and the policy includes medical payments and damage to rented premises.

Business owner’s policy: A BOP protects inventory, fixtures and outdoor signs and adds business income if a covered loss closes the store.

Eligibility notes for cosmetics and beauty supply stores

Eligibility depends on size, one location per policy and loss history. Across all classes, Coterie generally accepts up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K) and no prior cancellations or non-renewals.

Service built for small business

Instead of waiting days on paperwork, you get an online quote, bind in minutes and instant certificates when a client or landlord asks. Every policy includes Manage My Risk, with free OSHA updates, safety checklists and a personalized risk plan.

All coverage is subject to underwriting and availability.

Start now: Get your Coterie quote

Want a second opinion? Call America Insurance Brokers and we’ll review your options together.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina cosmetics, beauty supplies, and perfume stores.