Insurance for Selling Skin Care Products

Selling skin care products — whether you manufacture them yourself or work with a supplier — comes with exciting opportunities and important responsibilities. From customer safety to product liability, having the right insurance protects your business, your reputation, and your future.

At Grace Insurance, we’re here to help you with all your insurance needs — making insurance simple and tailored to your needs. 

Quick Summary

• Selling or manufacturing skin care products carries customer safety and legal risks.
• Key insurance types include Product Liability and Public Liability.
• Specialised insurance ensures you’re protected from unexpected claims.
• Grace Insurance offers tailored cover for businesses of all sizes.

Why Insurance Matters for Selling Skin Care Products

Businesses that manufacture or sell skin care products face unique risks. Even when you use high-quality, natural ingredients, there’s always the potential for allergic reactions, skin irritations, packaging issues, or manufacturing faults.

Without the right insurance, a single claim could threaten everything you’ve built. Insurance gives you peace of mind — allowing you to focus on growing your brand, knowing you’re protected if something goes wrong.

Common risks include:

• Allergic reactions or skin issues
• Contamination during production or packaging
• Manufacturing defects
• Incorrect labelling (missing allergy warnings)
• Claims relating to misleading advertising
• Stock damage due to fire, water, or theft

Key Types of Insurance You May Need

Product Liability Insurance

This is essential. If a customer claims that your product caused them harm, Public and Products Liability Insurance can cover legal fees, compensation payouts, and related costs. Even natural, organic products can trigger unexpected reactions, so don’t leave yourself exposed — whether you make the products or sell them.

Public Liability Insurance

If you sell at markets, events, retail spaces, or even online, Public Liability Insurance protects you if someone is injured or their property is damaged in connection with your business activities.

Professional Indemnity Insurance

If you offer skincare advice alongside your products — such as recommendations for skin types or conditions — Professional Indemnity Insurance can protect you if a client alleges your advice caused them harm.

General Property Insurance

Your ingredients, mixing equipment, packaging materials, and finished products are all business assets. General Property Insurance covers these assets against damage or theft at your premises, markets, or during transport.

Business Interruption Insurance

If an insured event (like a fire or flood) prevents you from trading or manufacturing, Business Interruption Cover helps cover lost income while you get back on your feet.

Common Risks for Skin Care Product Businesses

Running a skincare business isn’t just about creating or selling great products — it’s about managing risk too. Here are some examples:

• Allergic Reactions: Even hypoallergenic ingredients can trigger unexpected responses.
• Packaging Failures: Leaks, contamination, or broken packaging can result in claims.
• Manufacturing Defects: Small faults can cause significant customer issues or recalls.
• Labelling Errors: Missing ingredients, incorrect usage instructions, or failure to warn of allergens.
• Defective Batches: Supply chain issues can lead to a faulty product run.
• Marketing Claims: Unsubstantiated health claims on labels or websites can attract legal action.
• Asset Loss: Theft, damage, or spoilage of your stock and supplies can halt your operations.

Insurance is not just protection — it’s a foundation for building trust with your customers and protecting your brand’s reputation.

Tailoring the Right Cover for Your Business

No two skin care businesses are the same. Whether you’re manufacturing products, selling online, operating a physical retail shop, or wholesaling to other businesses, your insurance needs will vary.
At Grace Insurance, we help you find the right solution based on:

• Whether you manufacture, sell, or both
• Where and how you distribute (markets, online, wholesale, retail)
• Product types and ingredients used
• Whether you offer advice alongside products
• Your production volumes and business growth plans

Insurance made simple and tailored to your needs — that’s our promise.

How Grace Insurance Can Help

With decades of experience helping Australian businesses, Grace Insurance understands the challenges you face.

We offer:

• Tailored insurance solutions for manufacturers, sellers, and growing brands
• Personalised support from award-winning brokers
• Assistance at every stage — from policy set-up to making a claim
• Access to a wide range of insurers to find the right fit for your needs

We care about your success as much as we care about our own. Whatever you need, just give us a call.

Protect Your Brand and Your Future

Starting and growing a skincare business is a huge achievement — protect it properly.

At Grace Insurance, we make insurance simple, affordable, and tailored to your needs. Our team of experts will help you find the right solution so you can focus on creating great products and building a brand you’re proud of.

Protect your business and your future. Speak to an expert today and get a tailored quote.

FAQs About Insurance for Selling Skin Care Products

Is insurance mandatory for selling or manufacturing skin care products in Australia?
Insurance is not legally mandatory, but it’s strongly recommended. Many markets, retailers, and distributors require proof of insurance before allowing you to sell or supply products.

What happens if someone sues me over an allergic reaction or product defect?
Without insurance, you may be personally liable for legal costs, compensation, and damages. Public and Products Liability Insurance can protect you financially.

Do I need insurance if I only sell at markets or online?
Yes. Selling at markets exposes you to public liability risks, and selling online can still lead to product liability claims if customers are harmed.

How much does insurance for selling skin care products cost?
Costs vary based on your business size, whether you manufacture, and your distribution channels. Speak to Grace Insurance today for a tailored quote that suits your needs and budget.

Can I get insurance if I’m just starting out?
Absolutely. We work with businesses of all sizes, including startups, manufacturers, and growing brands.