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.

Coverages

General Liability Aggregate Limit
$1,000,000*
Product-Completed Operations Aggregate Limit
$1,000,000*
Personal Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You (Any One Premises)
$300,000
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
$100
Identity Recovery Coverage Aggregate Limit
$15,000*
Identity Recovery Coverage Deductible
$250

*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.

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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.