I'm wondering how common law suits are in skincare and if people bother to sue tiny companies. Say you're selling a 2% salicylic otc anti acne formula, which could cause some redness and peeling, or a product with an natural ingredients that could cause allergic reactions in rare cases. I'm sure most products can cause problems for some small percentage of people.
These examples seem quite low risk compared to selling say 70% glycolic acid peels.
I'm well aware that large companies get sued, but haven't heard of this happening much to tiny ones since there's not much money to take from them in the first place. Perhaps someone would ask to get dermatologist bills reimbursed, but that likely wouldn't cost much compared to the cost of insurance. Another way to phrase the question - how big do you need to be before you really need insurance?