Beauty brands have risks other brokers don't understand.
Ingredient liability. Labeling claims. Co-manufacturer contamination. In beauty, every one of these can pull your product from shelf and trigger legal exposure. We've covered them all.
The four claims that hit beauty brands hardest
Skin reactions. A class action over an 'all-natural' claim. A co-manufacturer batch gone wrong. Most indie beauty brands have product liability but no co-manufacturer coverage — and find out when it's too late.
Skin irritation from product use
A customer experiences a reaction to your formula — even a fragrance-free, "clean" product. Skin irritation is the most common beauty claim our underwriters see. Even private-label brands are named in suits.
Undisclosed allergen on product label
If your label fails to disclose an allergen — whether it's in your formula, your co-manufacturer's facility, or a fragrance blend — you face recall exposure. Notification, retrieval, and disposal costs add up fast.
Website or email hacked
A compromised DTC store or business email exposes customer data and payment records. Cyber coverage handles breach notification, credit monitoring, and regulatory fines — even when the breach came from a third-party platform.
Unsubstantiated product claims
"Clinically tested," "dermatologist approved," "reduces wrinkles by 47%" — if you can't substantiate it, you're exposed. Unsubstantiated claims are a leading driver of class action filings and FTC enforcement against beauty brands.
Coverage built for your stage
An early-stage DTC beauty brand has different exposure than one getting into Sephora. We build your coverage stack around where you actually are — and update it as you grow into new retailers.
Launchpad
$0 – $5M revenuePre-revenue to ~$1M. Getting into your first retailer or launching DTC.
Scaling
$5M+ revenueIn major retail. Co-manufacturer relationships. Investor conversations.
The founders who've been through it — and stayed.
We have used SecureCPG for 2 years and have been impressed with their depth of knowledge in our space and ability to work with carriers to ensure we are getting the best coverage possible.
SecureCPG has been a consistent and reliable partner who takes the time to understand our business and deliver critical results.
Highly recommend SecureCPG! They are timely with communication and experts at navigating the specific needs of our brand portfolio. They make the insurance process simple, transparent, and stress-free.
We started working with SecureCPG when we could not find a broker who understood our unique business and products. They found improved coverage at a better price and consistently demonstrate their knowledge of both CPG and insurance.
We know your business before you have to explain it.
CPG-only, not CPG-adjacent
We don't cover restaurants or tech companies. Only CPG brands — so we know what Target's COI actually requires and what Sephora's vendor agreement says.
Russ picks up the phone
Sephora's vendor portal flags a missing COI requirement 72 hours before your launch window closes. Russ knows what their compliance team needs. He picks up, gets it issued the same day, and your launch stays on track.
Built for every stage of growth
We've seen the scenarios — co-manufacturer contamination, retailer COI deadlines, D&O asks from VCs. Nothing surprises us because we've handled it before.
Carrier access for cosmetic and personal care brands
We've built relationships with carriers who know Sephora's vendor requirements, understand cosmetic ingredient liability, and don't confuse DTC beauty with a medical device company. You don't have to educate them.