Common questions about Cosmetic stores
Answering the most frequently asked questions about Cosmetic stores.
Do in-store services change my coverage?Gravity Certs2026-08-17T23:36:38-04:00
Yes. Application or treatment services add professional liability exposure. Disclose them.
Is shrinkage covered?Gravity Certs2026-08-17T23:36:36-04:00
Ordinary shoplifting generally isn’t. Crime coverage responds to employee dishonesty and robbery.
Are testers a specific exposure?Gravity Certs2026-08-17T23:36:35-04:00
Yes. Shared testers create contamination and reaction claims, and hygiene protocols are your defense.
Do I need cyber coverage?Gravity Certs2026-08-17T23:36:35-04:00
Yes. POS and loyalty programs hold card data, and breach obligations apply regardless of size.
Am I liable for a reaction to a product I sold?Gravity Certs2026-08-17T23:36:34-04:00
Yes. Chain of distribution liability names the retailer alongside the brand.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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