Beauty and alternative therapies liability with ASR Underwriting agencies





Beauty & Alternative Therapies Liability

Is the solo hobby business selling homemade lip balm and all natural handcream at your local farmer’s market insured? Is your hairdresser thinking of producing their own range of organic shampoo?

From commercially produced, medicated skincare ranges to boutique soy wax candles and handmade soaps, ASR has expanded its pharmaceutical public and products liability cover to include a wider spectrum of small and large scale manufacturers, distributors and retailers of alternative therapies and beauty products.
From clinical trial through to distribution, cover is available for products used in or on the body that have been approved by the Therapeutic Goods Administration (TGA) Australia, as well as a range of personal products that do not require TGA approval.


Acceptable classes

  • Body and hand lotions
  • facial and body creams
  • candles
  • soaps
  • lip balms
  • bath salts
  • body powders
  • haircare products
  • perfumes and body fragrances
  • essential oils
  • tea and honey
  • bush flower essences
  • cosmetics
  • associated crafts
  • Beauty tools and accessories. For example, jewellery, nail clippers, emery boards, artificial nails, eyelash curlers, eyelash extensions, make-up brushes, foundation pads, tweezers, hair extensions, combs and brushes.

Market sectors include

  • Pharmaceutical manufacturers, contract manufacturers and manufacturers of active pharmaceutical ingredient
  • Parallel importers and wholesalers
  • Pharmacies Medical device manufacturers and suppliers (invasive and non-invasive)
  • Clinical research
  • Clinical trial sponsors and contract research development
  • Biotechnology Cosmetics Chemical synthesis
  • Nutraceuticals
  • Veterinary products
  • Homeopathy
  • Alternative medicines

Options available for all classes of cover include:

  • Public and products liability
  • Errors and endorsement
  • Medical malpractice
  • Clinical trials no fault compensation – subject to legal requirements
  • Worldwide jurisdiction
  • Worldwide domicility

Policy features

  • Sub-limits: $100,000 goods in physical or legal control of the insured
  • Additions loadings: as per the rating table for errors and omissions, teaching activities and trade show activities.

Mandatory requirements

  • Specify all products manufactured in the schedule


To download key facts flyer click here

To download pharmaceutical liability proposal form click here

For a Quick Quote click here

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