The Handmade Industries Insurance Program

If you are in the handmade beauty products industry, and looking for affordable General and Product Liability Insurance, you found it!!! With very  few insurance companies having a real understanding of the beauty products  industry, companies and individuals were having a difficult time finding cost  effective insurance options. In 2006  Specialty Programs Insurance was contacted by The Handcrafted Soapmakers Guild  and The Indie Beauty Network to create a product liability insurance program for their  members. By bringing both associations together it gave us the opportunity to  greatly reduce the insurance costs to their members.

Program Qualifications: 

• 80% of your product must be Handmade. "Handmade" (or "handcrafted") means you either made your product from scratch by hand, someone under your control made the product from scratch by hand or you purchased the unscented and/or uncolored product in bulk and added your own scent and/or color and/or other additive to distinguish it in your line of products. If 80% or more of your products are "handcrafted" within this definition, then they qualify
  for coverage under this policy. Products that are made for you by an
  outside company and which you purchase packaged and ready to go, do not qualify as handcrafted.
• Become a Member of HSMG or IBN

Handcrafted Soapmakers Guild's Insurance/Membership FAQ's  Click here
Indie Beauty Network's Insurance/Membership FAQ's  Click here

Program Highlights: 

• $1,000,000 or $2,000,000 in coverage limits available
• Optional professional liability endorsement for teaching classes
• Additional Insured Vendors Endorsements
• Inland Marine Coverage Included and higher limits available
• No liability deductible
• Tradeshow Coverage

Approved Products for the Handcrafters Program: 

• Soaps
• Hand & Body Lotions
• Facial & Body Creams
• Natural Cosmetics
• Lip Balms
• Bath Salts
• Essential Oils
• Body Powders
• Hair Care Products
• Perfume & Body Fragrances
• Handmade Beauty Accessories
• Topical Products for Animals (shampoos, ointments etc)