Product Liability

Help protect your business from claims from a product you made or sold that caused bodily injury or property damage.

Product liability coverage protects your business from having to pay out of pocket for costly claims related to product defects.

If your businesses creates manufactures, distributes or sell products should consider product liability insurance. This type of coverage protects your business from costs if a product doesn’t work properly and causes harm to a third party.

Defects in your product may cause injury or property damage. For instance if your product is used incorrectly by the customer, your business could be liable for any damage caused by the product.

Product liability insurance may also covers legal fees, medical costs and compensatory damages.

Product liability insurance covers numerous claims relating to the items you sell, including:

May cause bodily harm or injury to the consumer
Potentially cause damage to property
Illness as a result of ingesting food or beverages sold by your company

There are many reasons why a product may cause the damages mentioned above. The issue causing the damage can happen at any stage in the products development or lifespan. In some cases, a design flaw can cause serious issues with the product.

Product Liability Insurance Questions

Who needs product liability coverage?

If you sell products to customers or clients, or if you have a supply chain, having product liability insurance can be helpful. Whether it’s small businesses or larger companies, many industries can benefit from this coverage, such as:

Manufacturers
Retailers
Wholesale & distribution businesses

What is covered under product liability?

If you have a general liability insurance policy, it can help cover product liability claims related to:

Design defects
Manufacturing defects
Strict liability
Improper warnings

Does Product Liability cover recalls?

Product liability insurance does not cover the cost of recalling a product. However, it will help pay for legal costs if your product is recalled after a customer is injured.

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