Handcrafted Soap and Cosmetics Insurance

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How Does Program Insurance Work?

The HSCG policy is a group policy that allows each insured to have their own dedicated limits and no deductible. The policy covers your product and general commercial liability as a handcrafted soap or cosmetic vendor and includes Inland Marine coverage for your business personal property other than buildings.

With Member Benefit Insurance through HSCG, you receive quality insurance from an A+ rated carrier and a trusted broker, a policy that is available in all 50 states, and access to all of your policy documents 24/7.


General Liability Aggregate Limit
Product-Completed Operations Aggregate Limit
Personal Advertising Injury Limit
General Each Occurrence Limit
Damage to Premises Rented to You (Any One Premises)
Liability Deductible
No Deductible
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$1,000** / $5,000***
Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible
Identity Recovery Coverage Aggregate Limit
Identity Recovery Coverage Deductible

*Coverage limit can be increased up to $2,000,000 aggregate.

**Coverage limits can be increased up to $15,000 for any one article.

***Coverage limits can be increased up to $30,000 for any one article.

Program Benefits

hscg icon No Quote Process

hscg icon 24/7 Access to Policy Documents

hscg icon Convenient Online Purchasing

hscg iconAvailable in all 50 States

hscg icon No Gross Sales Cap

hscg icon A+ Rated Insurance Carrier

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Access your account TODAY and view all your documents in one simple location. Never has it been easier to keeps tabs on the coverage your company deserves.


To get started with a protection plan right for your business, register TODAY. The coverage you need has never been closer than at your finger tips.