The cosmetics sector is specialist and innovative, with a range of risks facing those that develop, manufacture and distribute products. We can provide a product that fully meets the needs of all sizes of companies within this dynamic sector.  

Some of the simplest, most basic cosmetics products used every day carry significant safety risks. From low risk cosmetics tools like hairbrushes and razors through to higher risk products such as hair dye and sunscreen.

We recognise the importance of having a specialist insurance solution for UK based cosmetics manufacturers and companies that support the development of their products. 


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Our coverage is tailored for UK based SMEs in the following fields:

  • Research and development
  • Contract research organisations
  • Manufacturers of cosmetics
  • Contract manufacturing organisations
  • Importers / wholesalers / distributors

Legal liabilities

  • Liability - injury and property damage
  • Liability - financial loss
  • Clinical trials
  • Employers’ liability

Management risks

  • Entity defence
  • Directors’ and officers’ liability

Protection of assets

  • Property damage
  • Business interruption
  • Specified all risks
  • Money and personal assault
  • Transit

Extensions available

  • Public utilities
  • Denial of access
  • Restrictions to premises
  • Customers extension
  • Suppliers extension
  • Product withdrawal expense

Cosmetics - Claim example

Shampoo causes hair loss

An importer of a US manufactured shampoo was sued by an injured party under the Consumer Protection Act (CPA), for injury caused by the product. The CPA places a strict liability on those who import products from outside of the EEA. 

Cosmetics - Claim example

Pencil eyeliners failed to include warnings

A manufacturer of pencil eyeliners failed to include warnings on the label of potential particles entering the eye. A claim for an eye infection was made alleging that the risk was not known to the claimant.

Alongside insurance solutions, we can also assist your clients with tax and funding services such as R&D tax relief, tax funding and patent box through our partner Abbey Tax. 

Download the service brochures below: 

For more information about any of these specialist tax and funding services, please contact your local Markel underwriter.