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These stores conduct the retail sale of cosmetics, personal care and toiletry products, which are used for cleansing, beautifying and grooming the body. These products include facial and eye makeup, lotions, soaps, shampoos, hair products, deodorants, toothpaste, mouthwash and fragrances. They may offer makeup consultation services to customers. Some cosmetic and toiletry stores are located within beauty salons, where tanning, waxing, massage and/or nail services may also take place.

General Liability Insurance for Cosmetics & Toiletries Stores – Cosmetic and toiletry store employees must keep their licenses current if services are offered that require a license. Stores may be at risk if products are not properly labeled and if consultants fail to ask customers about any possible allergies. Cosmetic and toiletry stores must be clean and have clear walk areas. Glass counters and display cases should be free of defects and sharp corners in order to prevent injury to customers. If stairs are located on the premises, they should have skid resistant surfaces, sturdy handrails, and should be constructed to code. Parking areas should also be in good condition. If the store carries its own brand of cosmetics, then products liability is increased.

Workers’ Compensation Insurance for Cosmetics & Toiletries Stores – Cosmetics and toiletries may have ingredients that could damage or irritate the skin. Lifting is also a concern if there are any heavy objects to be moved. Cosmetic and toiletry store employees may also be injured when using knives, razors, or box cutters when opening stock and supplies.

Property Insurance for Cosmetics & Toiletries Stores – Loss is possible to cosmetics and toiletries stores as a result of fire. Cosmetics are likely to be damaged from smoke, heat and water. Shoplifting is a significant risk of theft at cosmetics and toiletry stores, especially because the merchandise is small and, therefore, easy to steal.

Crime Insurance for Cosmetics & Toiletries Stores – The crime exposures for a cosmetic and toiletries store arise from credit card and check fraud, employee dishonesty, and theft of money and securities by outsiders.